E-Sign Consent to Use Electronic Records and Signatures

E-SIGN CONSENT TO USE ELECTRONIC RECORDS AND SIGNATURES

You are entitled by law to receive certain information in writing. The federal E-SIGN Act allows West Texas National Bank, hereafter referred to as the “Bank”, to provide this information to you electronically with your prior consent. Your consent is also required in order for the Bank to use electronic records and signatures in relation to your consumer account(s).

By your agreement with the terms outlined below, you are providing your consent to use electronic records and signatures. You are also confirming that you have the capabilities to receive and review electronic records and that you have an active email account. You are also confirming that you have the authority to consent on behalf of all co-owners of your consumer account(s).

Consent to use electronic records and signatures; Privacy Policy
Statements, disclosures, notices and other documentation may be provided to you in electronic form at our option. You may receive a paper statement in addition to your first e-statement. We will discontinue delivering your periodic account statements by mail after your first e-statement. You may request a paper copy of your statement by calling 432-685-6500, in person in any of our branches, or on our website; www.wtnb.com. A $4 fee per statement copy will be assessed to your account.

We will continue to provide your tax statements on paper unless you elect to receive them electronically.

We may, at our option, satisfy our obligation to provide you with an annual copy of our Privacy Policy by providing availability to it on our website; www.wtnb.com.

Online products and services
All of your transactions relating to your consumer account(s) are covered by your consent to access them electronically and remains in effect until you withdraw your consent.

Withdrawing your consent
You may withdraw your consent at any time. We will honor your request as soon as practicable. Removing your consent will cause your statements to be mailed to you. There is no fee to discontinue your e-statement service and revert to receiving paper statements for your account(s). If you wish to remove your consent please contact us by sending us a secure Bank Mail while logged into Online Banking or by regular mail.

E-statements are required for the Ultimate Checking account. Requesting to receive paper statements will result in the account being converted to a Gratis Checking account and forfeiture of interest.

Email, hardware and software requirements
In order to provide you with statements, disclosures and other important notices for your account(s), you must notify us of any change in your email or other electronic address. To notify us you may call us at 432-685-6500 or on our website; www.wtnb.com.

In order for you to access and obtain your electronic records you system must meet the following requirements:
• Internet Access
• An internet browser that supports 128-bit encryption
• An active email account
• A current version of a program that accurately reads and displays PDF files; a free version of Adobe reader is available at www.adobe.com/products/reader.html.
• A computer and an operating system capable of supporting all of the above

Password Security
Your User 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.

Duty to Review Periodic Statements
You must promptly access/review your e-Statement 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 are still 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 e-Statement email notification date regardless of when you access and/or review your e-Statement. If you do not immediately report to the 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 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 e-Statement 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 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 and notifying us of your election by sending us a secure Bank Mail while logged into Online Banking or by regular mail.
The Bank reserves its right to terminate this Electronic Statement Disclosure Agreement and your access to the e-Statement 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.

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 e-Statements provided to you under the 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 your 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 or based on a warranty or any other legal theory.
The Bank makes no warranty that:
• The service will be uninterrupted, timely, secure or error-free
• The service will meet your requirements
• The results that may be obtained from the use of the service will be accurate or reliable
• The quality of any products, services, information or other material purchased or obtained by you through the service will meet your expectations
• Any errors in the software will be corrected

The 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:
• The use or the inability to use the service
• The cost of procurement of substitute goods and services resulting from any goods, data information or services purchased from the service
• Unauthorized access to your transmission
• Unauthorized alteration of your data
• Statements or conduct of the third party service provider
• Any other matter relating to the service

The Bank can not control information on other web sites. We are not responsible for the content or privacy of web sites linked from the Bank’s web sites. Please review the privacy policy of the service provider.

Our Right to Terminate
You agree that we can terminate the e-Statement service and revert to printed statements for any reason at any time.

Last updated: 10-27-2011