CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT

Please read this information carefully and print a copy and/or retain this information electronically for future reference.

Introduction. You are submitting an application, form, and/or request (�Application�) to North Georgia Credit Union. In order to do this, we need you to consent to North Georgia Credit Union providing you with certain disclosures electronically. This document informs you of your rights when receiving legally required disclosures, agreements, notices and other information (�Disclosures�) from North Georgia Credit Union. By completing and submitting an Application through North Georgia Credit Union, you acknowledge receipt of this document and consent to the electronic delivery of such Disclosures. All agreements with North Georgia Credit Union are subject to the terms and conditions of your North Georgia Credit Union Membership Agreement.

Electronic Communications. Any Disclosures related to your request will be provided to you electronically by clicking on the following link Disclosures. However, if you wish to obtain a paper copy of any of the Disclosures, you may write to us at: P.O. Box 280, Toccoa, GA 30577 with the details of your request. Paper copies will be provided to you at no charge.

Scope of Consent. You consent to receive Disclosures and to do business electronically. The following information and Disclosures will be provided electronically:

• the agreements and Disclosures for all Services you elect to use; and,
• all communications (including Disclosures and notices) regarding online banking, all future amendments (including to the agreements), and all notices of changes, suspension, restriction, and termination of e-Banking services.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: the latest version of Chrome, Firefox, Edge, Safari or equivalent software; and hardware capable of running this software.

Withdrawing Consent. You understand that you may not withdraw consent as to the Disclosures we will provide to you at this time with your Application. You may withdraw your consent to do further business electronically with us at no cost to you. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You are responsible for keeping us informed of any change in your e-mail or mailing address. North Georgia Credit Union is only required to attempt to communicate with you at the most recent address you have provided to us. You may write to North Georgia Credit Union at P.O. Box 280, Toccoa, GA 30577 regarding any such changes.

Electronic Records. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically, and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You further acknowledge and understand that we will routinely destroy all original documentation. We may store records electronically via imaging, scanning, filming or other technology used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records.

�E-mail� and Facsimile Communications. You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application and Signature Card, or any other Application or written communication actually received by us. Any account owner, co-borrower, or authorized user may change the e-mail address for statements or other information from us at any time.

Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of North Georgia Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, North Georgia Credit Union may not immediately receive e-mail communication that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through unsecured e-mail communications. If you need to contact North Georgia Credit Union immediately regarding an unauthorized transaction, stop payment request, or otherwise, you may call North Georgia Credit Union at 706-886-1441, 706-356-7001 or 706-376-6961.

You expressly consent and agree to us, our agents or any parties we authorize sending and your receiving any communications hereunder by facsimile or other electronic methods including any offers for North Georgia Credit Union, affiliate or third-party services and/or products.

Links to Other Sites. Our website may contain links to third-party websites. These links are provided solely as a convenience to you and not as an endorsement by North Georgia Credit Union of the contents on such third-party websites. North Georgia Credit Union is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third-party websites. If you decide to access linked third-party websites, you do so at your own risk.

YOUR ABILITY TO ACCESS DISCLOSURES. BY COMPLETING AND SUBMITTING YOUR APPLICATION OR REQUEST YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE ELECTRONIC DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

Consent for Electronic Disclosures on North Georgia Credit Union Website:

I ACCEPT � I/We consent to electronic Disclosures of all electronic records as indicated above, and confirm that I/we will receive and read the terms and conditions of all agreements, Disclosures, notices and other documents provided electronically. If there is more than one owner or authorized user, etc., by clicking �I ACCEPT� you are consenting on behalf of all other joint owners and/or authorized signers to enroll the accounts you have selected in the service, as applicable, and that you are authorized to consent on their behalf.

CANCEL � I/We do not consent to electronic Disclosures and understand that this choice cancels the Application, form, or other transaction now being performed.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.