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United Minnesota Bank

Electronic Communication Disclosure

Electronic Delivery of Statements and Notices

By accepting the “United Minnesota Bank Electronic Communication Disclosure”, you consent and agree that United Minnesota Bank may provide certain disclosures and notices to you in electronic form, in lieu of paper form, for your United Minnesota Bank account(s).

Definition

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

Scope of Consent for Electronic Delivery of Communication

Your consent to receive electronic communication covers the periodic communication you are provided in connection with your United Minnesota Bank account(s). Your consent also covers disclosures that are required with your account, 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 United Minnesota Bank may provide you electronically. By using electronic communications, you accept and agree to be bound by any and all laws, rules, regulations and official issuances applicable to electronic communication now existing or which may hereafter be enacted, issued or enforced, as well as other terms and conditions governing the use of other facilities, benefits or services that United Minnesota Bank may from time to time make available to you in connection with electronic communication.

United Minnesota Bank has absolute discretion to make electronic communication available to you. Further, United Minnesota Bank has the discretion from time to time and upon giving notice to you to modify, restrict, withdraw, cancel, suspend, or discontinue electronic communication without giving any reason and you understand that by using electronic communication after any modification or change has been effected, you would have agreed to such modification or change.

You understand that once you sign up for electronic communication you will no longer receive a paper statement. All future statements for that account will be electronic communication which you will access through an encrypted e-mail attachment or United Minnesota Bank’s Personal Online Banking to obtain, review print, and copy/download your periodic account statements. Each month we will send you an e-mail notice to you advising you of the availability of your electronic communication with instructions on how to access your electronic communication. You may then access your electronic communication via the procedures that we authorize.

Scope of Consent for Electronic Delivery of Notices

Your consent to receive electronic notices covers any notice or 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 changes of your e-mail address.

United Minnesota Bank E-Statement Procedures

You must enroll each your account(s) for which you want to access electronically. The online statements are in text format only and no images are attached. Statements sent via e-mail will contain images. To enroll your account(s) for E-Statement or online access, simply contact your local office for details.

Your E-Statements for your current statement cycle should be available for viewing the business day after your statement date. You will receive a notification with an attached encrypted PDF file. The encrypted PDF file can be opened with the Personal Identification Number (PIN) sent at the time of enrollment.

United Minnesota Bank has the absolute discretion, without giving any reason or notice to reject any of your requests for enrollment in the E-Statement service.

Duty to Review Periodic Statements

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

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

You agree to notify us immediately in writing of any changes in your mailing address, e-mail address or other particulars relevant to this Agreement. Please note that you must provide us with an e-mail address in order to use the E-Statement service.

Joint Accounts

If your United Minnesota Bank account is owned jointly with another person, either one of you may consent to receive electronic disclosures and E-Statements and that person’s election to access E-Statements shall apply to both of you. United Minnesota Bank will automatically turn off paper statements for that account immediately and you first E-Statement will be made available when your next statement is produced.

Security

You agree that United Minnesota Bank shall not be liable if you are unable to gain access to the website or United Minnesota Bank’s system from time to time. Your understand that some or all of the E-Statement services and/or other United Minnesota Bank’s system may not be available at certain times due to maintenance and/or computer, communication, electrical or network failure or any other causes beyond United Minnesota Bank’s control.

You understand the importance of your role in preventing misuse of your accounts and you agree to promptly examine your E-Statement for each of your United Minnesota Bank accounts as soon as you can access them. 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 can not 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, antivirus and spy ware 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. For additional online security information, please review our Privacy Statement posted on our Web site www.umbnl.com and on the Online Banking service.

United Minnesota Bank does not warrant the security of 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 E-statements.

You agree that you shall not disassemble copy, modify or reverse engineer any United Minnesota Bank proprietary software or allow anyone else to do so.

Password Security

Your User ID, Password and Personal Identification Number (PIN) that are used to access Online Banking services and your E-statement(s) should be kept confidential. We strongly recommend that you change your password regularly. You are responsible for keeping your password, PIN, account numbers and other account data confidential.

System Requirements

In order for you to access and retain your E-statement records, your system must meet the following requirements:

United Minnesota Bank recommends you utilize the latest 128 bit encryption version of Microsoft Internet Explorer. The online banking system is best viewed and is most secure when you use Microsoft Internet Explorer, as it is certified for use at our site. To print or download disclosures and E-statements you must have a printer connected to your PC or sufficient hard-drive space to save the disclosure or E-statement.

Change in Terms

The Bank reserves the right to change the terms and conditions of this agreement at any time, which includes the addition and deletion of E-statement services. We shall update this agreement and will notify you of such changes by 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 any stricter limits on 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 E-statement 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 E-statement service by notifying us of your election by e-mail or regular mail.

Your Right to Withdraw Consent

You have the right to withdraw your consent to have your statements provided in an electronic form by notifying us in writing. We will then discontinue E-statement service for that account and you will receive paper statements for subsequent statement periods. There is no fee to discontinue your E-statements service and to revert to receiving paper statements for you account(s). If you would like to recieve check images with your statement there will be a $4.00 fee per statement cycle.

Disclaimer of Warranty and Limitation of Liability

We make no warranty of any kind express or implied, including any implied warranty of merchantability of fitness for a particular purpose, in connection with the E-statements provided to you under this Agreement. We do not and can not warrant that the E-statement service will operate without error, or that the E-statement 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 you use of the E-statement service, including loss of profits, revenue, data, or use by you or any third party, whether in an action in contract or tort based on warranty or any other legal theory.

United Minnesota Bank makes no warranty that:

United Minnesota Bank shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use data or other intangible losses resulting from:

United Minnesota Bank can not control information on other Web sites. We are not responsible for the content or privacy of Web sites linked from United Minnesota Bank’s Web sites. Please review the privacy policy of the service provided.

Our Rights to Terminate

You agree that we can terminate the E-statement service and revert to printed statements for any reason at any time.

Communications between United Minnesota Bank and You

If you need to contact us immediately, you can call us at our local office (1-320-354-2277).

Requesting a Paper Copy of Your Account Statement Disclosure Agreement

This agreement is in addition to the terms and conditions described in the Account Agreement and Disclosures; corresponding fee schedules; or any other documentation which related to your account(s) 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 other agreements, the terms and conditions of this agreement shall control with respect to E-statements. 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 E-statements and Online Banking. If you should need another copy of disclosure, please contact us at 1-320-354-2277.