You must agree to the Electronic Records, Disclosure & Agreement, the US Patriot Act Notice and authorize First National Bank to access credit records and related information for all applicants in order to process this application.

Electronic Records Disclosure & Agreement

By applying for an account online you affirmatively consent to receiving the legal disclosures, agreements, notices, and instructions relating to your account(s) (collectively “Account Documents”) via electronic means.

You must consent to receiving the Account Documents electronically before we can provide them to you in an electronic format. Your consent will only apply to the account opening disclosures that are related to this online application process. You will not be consenting to receiving other electronic records and disclosures at this time.

You have the right to withdraw your consent to receive Account Documents electronically that are related to your enrolled account(s). You may withdraw your consent by either failing to complete this application process or, if you have already applied, by contacting First National Bank Customer Service at 1‐800‐555‐5455.

You may request a paper copy of your Account Documents or update your e‐mail address by contacting First National Bank Customer Service at 1‐800‐555‐5455. We will not charge you any fees for providing you with a paper copy of the Account Documents.

To receive an electronic copy of your Account Documents, you must have the following:

• A personal computer or other access device which is capable of accessing the Internet;

• A valid, active account with an Internet Service Provider or other means of accessing the Internet;

• A display with a minimum resolution of 1024x768 pixels or above;

• Software which permits you to receive and access “Portable Document Format” or "PDF" files (such as Adobe Acrobat Reader®, available for free online at [http://www.adobe.com%3c/a]http://www.adobe.com); and

• One of the following computer operating system and web browser combinations:

Operating System	Web Browser
Windows 7 or higher	Microsoft Internet Explorer 8.0 or higher Firefox 5.0 or higher Google Chrome Version 37.0 or higher
Mac OS X 10.6 or higher	Firefox 5.0 or higher Safari 5.0 or higher

Your access to this Electronic Records Disclosure & Agreement verifies that your system has the necessary software to permit you to receive and access account documents electronically.

To retain an electronic copy of your Account Documents, you must have one of the following:

1. The ability to download copies of these documents to a hard disk drive or other storage media; or

2. The ability to print these documents.

By completing the application process, you acknowledge that you meet the requirements listed above to retain this information.

USA Patriot Act – Notice

Important Information About Procedures for Opening a New Account:

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person (businesses and individuals) who opens any financial transaction account(s) including deposits, loans and safe deposit boxes.

What This Means For You:

When you open any financial transaction account, we will ask for your name, address (mailing and physical, if different), date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents.

In all cases, protection of our applicant's identity and confidentiality is our pledge to you.