Electronic Statement (eStatement) Disclosure Agreement

Electronic Delivery of Statements and Notices

By accepting the “Anstaff Bank Electronic Statement (eStatement) Disclosure Agreement”, you consent and
agree that Anstaff Bank may provide certain disclosures and notices to you in electronic form, in lieu of paper
form, including electronic delivery of statements (eStatements) for your Anstaff Bank deposit account(s).


As used in this Agreement, the words “we”, “our”, and “us” mean Anstaff Bank. “You” and “your” mean the
account owner(s) authorized to receive eStatements under this Agreement. “Account” or “accounts” mean your
deposit accounts at Anstaff Bank. “Business days” mean Monday through Friday, excluding Federal holidays.

Electronic Statement/Notices Consent

Your consent to receive eStatements covers the periodic statements you are provided in connection with your
Anstaff Bank deposit account(s). Your consent also covers disclosures that are required with your account
statements, including, but not limited to, the error resolution notice required by the Electronic Fund Transfer
Act, as well as marketing information on products and/or promotions that Anstaff Bank may provide to you
electronically. By using eStatements, you accept and agree to be bound by the general terms and conditions
governing eStatements, including without limitation all the terms and conditions in this Agreement. You agree
to be bound by any and all laws, rules, regulations and official issuances applicable to eStatements now
existing or which may hereafter be enacted, issued or enforced, as well as such other terms and conditions
governing the use of other facilities, benefits or services that Anstaff Bank may from time to time make
available to you in connection with eStatements. Anstaff Bank has absolute discretion to make eStatements
available to you. Further, Anstaff Bank has the discretion from time to time and upon giving notice to you to
modify, restrict, withdraw, cancel, suspend or discontinue eStatements without giving any reason. You
understand that by using eStatements after any modification or change has been effected, you would have
agreed to such modification or change. Once you retrieve your first eStatement, Anstaff Bank will discontinue
mailing paper account statements for your eStatement account. All future statements for that account will be
eStatements which you will access through Anstaff Bank’s Online Banking to obtain, review, print, and
copy/download your periodic deposit account statements. Each month we will send an e-mail notice to you
advising you of the availability of your eStatement with instructions on how to access your eStatement. You
may then access your eStatement via the procedures that we authorize. Your electronic statement will be
available for viewing for a period of twelve (12) months (or such period as decided by Anstaff Bank and
notified to you) from the applicable statement date. Your consent to receive electronic notices covers any
notice or other type of communication provided to you pursuant to the terms of this Agreement. We will send
all notices, attachments, and/or documents via e-mail to the last known e-mail address provided by you. You
agree to notify us promptly of any change of your e-mail address.

Anstaff Bank eStatement Procedures

You must enroll each of your deposit account(s) for which you want to access eStatements. To enroll your
account(s) for eStatement access simply sign up online or complete the eStatement enrollment form and return
to Anstaff Bank. In order to access you eStatements, you must log in to Anstaff Bank’s Online Banking
service, go to your account, then: 1) Click on the “Documents” button, 2) Under the document type choose "estatments
with images”, 3) Then select the statement date that you wish to view.

Requesting to Receive a Paper Statements

You can request a paper copy of your account statement by calling your local Anstaff Bank branch. A nominal
fee per statement copy may be assessed to your account.

Duty to Review Periodic Statements

You must promptly access/review your eStatement and any accompanying items and notify us in writing
immediately of any error, unauthorized transaction, or any other irregularity. If you allow someone else to
access your statement, you remain fully responsible to review the statement for any errors, unauthorized
transactions, or any other irregularities. Any applicable time periods within which you must notify us of any
errors on your account statement(s) shall begin on the eStatement e-mail notification date regardless of when
you access and/or review your eStatement. If you do not immediately report to Anstaff Bank any non-receipt
of eStatements or any error, irregularity, discrepancies, claims or unauthorized debits or items, you shall be
deemed conclusively to have accepted all matters contained in the eStatements to be true, accurate and correct
in all respects.

Change of Mailing Address, E-mail Address, and Other Information

You must provide us with a valid e-mail address in order to use the eStatement service. You agree to notify us
immediately of any change in your mailing address, e-mail address or other particulars relevant to this
Agreement. To notify us of your e-mail address change, please log in to Anstaff Bank’s Online Banking
service, or call us at (800) 445-5745.

Joint Accounts

If your Anstaff Bank account is owned jointly with another person, either one of you may consent to receive
electronic disclosures and eStatements and that person’s election to access eStatements shall apply to both of
you. Anstaff Bank will automatically turn off the paper statement for that account once the first eStatement has
been made available unless you request to continue to receive your paper statements in addition to your
eStatements (please refer to ‘Requesting to Receive or Cancel Paper Statements in Addition to eStatements’).


You agree that Anstaff Bank shall not be held liable if you are unable to gain access to the website or Anstaff
Bank system from time to time. You understand that some or all of the eStatement services and/or other
Anstaff Bank system services may not be available at certain times due to maintenance and/or computer,
communication, electrical or network failure or any other causes beyond Anstaff Bank’s control. You
understand the importance of your role in preventing misuse of your accounts, and you agree to promptly
examine your eStatement for each of your Anstaff Bank accounts as soon as you can access it. You agree to
protect the confidentiality of your account and account number and your personal identification information.
You understand that personal identification information by itself or together with information related to your
account, may allow unauthorized access to your account. You acknowledge that the internet is inherently
insecure and that all data transfers, including electronic mail, occur openly on the internet and potentially can
be monitored and read by others. We cannot and do not warrant that all data transfers utilizing the internet, or
e-mail transmitted to and from us, will not be monitored or read by others. In order to help protect your
personal information, we recommend that you install Firewalls, anti-virus, and spyware protection software
(and update as required) on your computer. We also recommend that you update your operating system and
browser application on a periodic basis to better protect your computer and online banking sessions. Anstaff
Bank does not warrant the security or confidentiality of any information transmitted through any applicable
Internet service provider, information/communication network service provider, network system or such other
equivalent system in any jurisdiction via eStatements. You agree that you shall not disassemble, decompile,
copy, modify or reverse engineer any Anstaff Bank proprietary software or allow anyone else to do so. Your
access ID and password that are used to access Online Banking services should be kept confidential. We
strongly recommend that you change your password regularly. You are responsible for keeping your password,
account numbers and other account data confidential.

System Requirements

In order for you to access and retain your eStatement records, your system must have a personal computer that
has Internet access and an Internet browser that supports 128-bit encryption. If your browser does not support
128-bit encryption, you must upgrade it in order to access the Online Banking secure pages to gain access to
your eStatements. To print or download disclosures and eStatements you must have a printer connected to your
PC or sufficient hard-drive space to save the disclosure or eStatements.

Change in Terms

The Bank reserves the right to change the terms and conditions of this agreement (including fee schedule) at
any time, which includes the addition and deletion of eStatement services. We shall update this agreement on
our website and may notify you of such changes by mail or electronic message to your most recent address
listed on our records. The notice will be posted or sent at least thirty (30) days in advance of the effective date
of any additional fees or of any stricter limits on the type, amount or frequency of transactions or any increase
in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the
security of the system. If such a change is made and it can be disclosed without jeopardizing the security of the
system, we will provide you with electronic or written notice within thirty (30) days after the change. By using
the eStatement service when the changes become effective, you agree to be bound by the revised terms and
conditions contained in this agreement or you can decline the changes by discontinuing the use of the
eStatement service and notifying us of your election by e-mail or regular mail. The Bank reserves its right to
terminate this Electronic Statement Disclosure Agreement and your access to the eStatement service, in whole
or in part, at any time, including but not limited to when customers have not logged in to use Online banking
services for over 180 days.

The Right to Withdraw Consent

You have the right to withdraw your consent to have your statements provided in an electronic form by
contacting us via e-mail at info.3@anstaffbank.com or calling us at (800)445-5745. You may also write to us
at P.O. Box 1900, Green Forest, AR 72638. We will then discontinue eStatement service for that account and
you will receive paper statements for subsequent statement periods. There is no fee to discontinue your
eStatement service and to revert to receiving paper statements for your account(s). However, since eStatements
are a requirement for a First Rewards Account, your account will then be converted to a Traditional Checking
account and any First Rewards benefits will be terminated.

Disclaimer of Warranty and Limitation of Liability

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or
fitness for a particular purpose, in connection with the eStatements provided to you under the Agreement, We
do not and cannot warrant that the eStatement service will operate without error, or that the eStatement service
will be available at all times. Except as specifically provided in this Agreement, or otherwise required by Law,
you agree that our officers, directors, employees, agents or contractors are not liable for any indirect,
incidental, special or consequential damages under or by reason of any services or products provided under the
Agreement or by reason of your use of the eStatement service, including loss of profits, revenue, data or use by
you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory.
Anstaff Bank cannot control information on other web sites. We are not responsible for the content or privacy
of web sites linked from Anstaff Bank’s web sites. Please review the privacy policy of the service provider.

Communications between Anstaff Bank and You

You can use e-mail to communicate with Anstaff Bank by clicking on the Contact Us link on our web site
www.anstaffbank.com. However, e-mail is not available to initiate transactions on your accounts. Since we
may not receive it immediately, you can call us at (800)445-5745, Monday through Thursday 8:00 a.m. – 4:30
p.m. and Fridays until 5:00 p.m.

Additional Terms and Conditions of your Electronic Statement Disclosure

This Agreement is in addition to the terms and conditions described in the “Anstaff Bank Online Banking
Service Agreement”, the Consumer and Business Account Agreement and Disclosures; corresponding fee
schedules; or any other documentation which relates to your account(s), collectively referred to as the “Master
Agreement”, that were given to you at account opening. To the extent that this Agreement is inconsistent with
any of the terms and conditions contained in the Master Agreement, the terms and conditions of this
Agreement shall control with respect to eStatements. You should review those agreements for any applicable
fees, for limitations on the number of transactions you can make and for other restrictions that might impact
your use of an account with eStatements and Online Banking. If you should need another copy of a disclosure,
please contact us through our web site at www.anstaffbank.com or call our Customer Service Representatives
at (800)445-5745 or (870) 438-5214 between 8:00 a.m. and 4:30 p.m. Central Time, Monday thru Thursday or
between 8:00 a.m. thru 5:00 p.m. on Friday, or write to our Customer Service Department at P.O. Box 1900,
Green Forest, AR 72638.

Our Right to Terminate

You agree that we can terminate the eStatement Service and revert to printed statements for any reason at any