Common use of Electronic Statements Clause in Contracts

Electronic Statements. 7.1 You agree to accept such electronic statement(s) facility which may at any time and from time to time availed by the Bank for such Products and Services at such intervals and frequencies and by such means of delivery as the Bank may decide at its absolute discretion. Further the Bank has the discretion from time to time to modify, restrict, withdraw, cancel, suspend, terminate or discontinue your use of the electronic statement(s) facility and you understand that by using the electronic statement(s) facility after any modification or change has been effected, you are taken to have agreed to such modification or change. 7.2 The Bank reserves the right to impose such fees and charges for the use of the electronic statement(s) facility with your prior consent. 7.3 You agree that the availability of the electronic form of your respective Statements of Account on the corresponding statement dates (as determined by the Bank) shall be taken as the date of delivery of the Statements to you. 7.4 You agree that your use of the electronic statement(s) facility is to be in such manner as may be prescribed by the Bank from time to time. Electronic statements may be delivered to you through OCBC Online Banking, e-mail or such other means as the Bank may determine at its sole discretion and notified to you : (a) your statements may be availed through OCBC Online Banking, which is further subject to the terms and conditions governing OCBC Online Banking Services; (b) your statements may be delivered as attachments to your last known e-mail address registered with the Bank. You represent, warrant and covenant that you have provided to the Bank your e-mail address of which you are the registered or authorised user, or such other information requested by the Bank to ensure and facilitate the Bank’s delivery of the electronic statements including electronic Statements of Account, Confirmations and (where applicable) statements of Contracts to you. You understand that if you do not provide the required information, or if there is any inaccuracy in the information provided to the Bank or if the information is outdated, these may result in failure to deliver the electronic statements to you and/or delivery of the electronic statements to an unauthorized third party, at your risk and detriment and for which the Bank shall assume no responsibility. 7.5 You agree that it is your sole responsibility to update the Bank should there be any change of your information such as changes in your e-mail address, in order to ensure that the electronic statements shall continue to be delivered to you in a timely manner. The Bank shall be entitled to act on your last known information in the Bank’s records on the basis that such information remains correct, complete and updated, if you have not taken steps to update your information with the Bank through such channels availed and subject to such processes imposed by the Bank for updating and changing your information. 7.6 The Bank shall have absolute discretion to deliver (a) both paper and electronic statements or

Electronic Statements. 7.1 13.1 You agree that the availability of the electronic form of your respective Statement(s) on statement date (as determined by the Bank) shall be deemed the date of delivery of the monthly Statement(s) to accept you. 13.2 You agree that the Bank reserves the right to impose such electronic statement(sfee(s) facility which may at any time and for the use of the Electronic Statement(s) Facility from time to time availed by at the Bank’s absolute discretion with your prior consent. 13.3 You agree that the Bank for such Products and Services at such intervals and frequencies and by such means of delivery as has the Bank may decide at its absolute discretiondiscretion to make Electronic Statement(s) Facility available to you. Further the Bank has the discretion from time to time to modify, restrict, withdraw, cancel, suspend, terminate suspend or discontinue your use of the electronic statement(sElectronic Statement(s) facility Facility without giving any reason and you understand that by using the electronic statement(sElectronic Statement(s) facility Facility after any modification or change has been effected, you are taken deemed to have agreed to such modification or change. 7.2 The Bank reserves the right to impose such fees and charges for the use of the electronic statement(s) facility with your prior consent. 7.3 You agree that the availability of the electronic form of your respective Statements of Account on the corresponding statement dates (as determined by the Bank) shall be taken as the date of delivery of the Statements to you. 7.4 13.4 You agree that your use of the electronic statement(sElectronic Statement(s) facility Facility is to be in such manner as may be prescribed by the Bank from time to time. Electronic statements may be delivered to you Bank, with delivery whether through OCBC Online Banking, e-mail email or such other means of delivery as the Bank may determine at its sole discretion and notified to you : (a) your statements may be availed through OCBC Online Banking, which is further subject to the terms and conditions governing OCBC Online Banking Services; (b) your statements may be delivered as attachments to your last known e-mail address registered with in the Bank. You represent’s sole and absolute discretion, warrant and covenant that you have provided to the Bank shall provide your e-mail address address(es) of which you are the registered or authorised user, user or such other information requested by the Bank to ensure and facilitate the Bank’s delivery of the electronic statements including electronic Statements form of Account, Confirmations and (where applicable) statements of Contracts to you. You understand that if you do not provide the required information, or if there is any inaccuracy in the information provided to the Bank or if the information is outdated, these may result in failure to deliver the electronic statements to you and/or delivery of the electronic statements to an unauthorized third party, at your risk and detriment and for which the Bank shall assume no responsibilityStatement(s). 7.5 13.5 You agree that it is your sole responsibility to update the Bank should there be any change of your information such as changes in your e-mail address, in order to ensure that necessary for the delivery of the electronic statements shall continue form of the Statement(s), failing which the Bank can only and is entitled to be delivered to you in a timely manner. assume that your existing information provided remain complete and accurate. 13.6 The Bank shall be entitled has the absolute discretion, without giving any reason or notice, to act on determine your last known information in use of the Bank’s records on the basis that such information remains correct, complete and updated, if you have not taken steps to update your information with the Bank through such channels availed and subject to such processes imposed by the Bank for updating and changing your information. 7.6 The Bank shall have absolute discretion to deliver (a) both paper and electronic statements orElectronic Statement(s)

Electronic Statements. 7.1 You A – Electronic Delivery and Notifications By signing up for electronic statement delivery, or “eStatements”, you accept the terms of this agreement, and hereby authorize Workers Credit Union to provide periodic financial statements to you electronically. Your authorization means that you consent and agree to accept such the following: You will provide us with an email address that will be used to send all electronic statement(sstatement-related notifications. You understand that the email notification informing you that your statement is available for viewing can take up to 5 business days to receive after the statement is generated. You will let us know immediately if the email address changes. You understand that you have no expectation of privacy if the statement link is transmitted to an email address owned by your employer. You further agree to release Workers Credit Union from any liability if the information is intercepted or viewed by an unauthorized party or other email address selected by you. Upon receipt of your consent and using the email address you provide, we will send you notification of the availability of your periodic account statement each statement period (statement cycle) facility which may at any time and from time you will be required to time availed by access the Bank for such Products Workers Credit Union web site in order to view your statements. You will be required to enter your logon information and Services at such intervals and frequencies and by such means of delivery as the Bank may decide at its absolute discretion. Further the Bank has the discretion from time password to time to modify, restrict, withdraw, cancel, suspend, terminate or discontinue your use of view the electronic statement(s) facility and you understand that by using the electronic statement(s) facility after any modification or change has been effected, you are taken to have agreed to such modification or change. 7.2 The Bank reserves the right to impose such fees and charges for the use of the electronic statement(s) facility with your prior consent. 7.3 You agree that the availability of the electronic form of your respective Statements of Account on the corresponding statement dates (as determined by the Bank) shall be taken as the date of delivery of the Statements to you. 7.4 You agree that your use of the electronic statement(s) facility is to be in such manner as may be prescribed by the Bank from time to timeimages. Electronic statements may be delivered to you through OCBC Online Banking, e-mail or such other means as the Bank may determine at its sole discretion and notified to you : (a) your statements may be availed through OCBC Online Banking, which is further subject to the terms and conditions governing OCBC Online Banking Services; (b) your statements may be delivered as attachments to your last known e-mail address registered with the Bank. You represent, warrant and covenant that you have provided to the Bank your e-mail address of which you are the registered or authorised user, or such other information requested by the Bank to ensure and facilitate the Bank’s delivery of the electronic statements including electronic Statements of Account, Confirmations and (where applicable) statements of Contracts to you. You understand that if you do not provide the required information, or if there is any inaccuracy in the information provided to the Bank or if the information is outdated, these may result in failure to deliver the electronic statements to you and/or delivery of the electronic statements to an unauthorized third party, at your risk and detriment and for which the Bank shall assume no responsibility. 7.5 You agree that it It is your sole responsibility to update protect your logon and password from unauthorized persons. Your consent to receive electronic periodic deposit statements shall remain in effect until revoked by you. If you elect to revoke your consent to receive electronic statements you may do so by telephone at (▇▇▇) ▇▇▇-▇▇▇▇. If the Bank should there be any change revocation of your information such consent is received less than fifteen (15) days before the end of your normal statement cycle, it may not take effect until the following statement cycle. Once you sign up for eStatements you will be able to view, save or print the last twelve (12) monthly statements. If you have chosen electronic statements as changes in your e-mail addressdelivery preference, in order you will not receive a paper statement. This means that along with your statement you may also electronically receive any materials that would have gone out with the paper statement including disclosures and promotional materials. B – System Access Access to this service may be unavailable at times due to scheduled maintenance, unscheduled maintenance or system outage. In addition, both environmental and physical events may occur that may cause the system to become unavailable. Workers Credit Union will make every reasonable effort to ensure optimum availability of this system. However, Workers Credit Union is in no way liable for the unavailability of the system or any damage that the electronic statements shall continue to be delivered to you in a timely manner. The Bank shall be entitled to act on your last known information in the Bank’s records on the basis that such information remains correct, complete and updated, if you have not taken steps to update your information with the Bank through such channels availed and subject to such processes imposed by the Bank for updating and changing your informationmay result from system unavailability. 7.6 The Bank shall have absolute discretion to deliver (a) both paper and electronic statements or

Electronic Statements. 7.1 Upon enrollment for eStatements, we will prepare an electronic statement for your account(s) and provide a reminder on a monthly or quarterly basis, as applicable, of its availability. We will send this reminder to a working email address that you provide us. To access your statement you will be required to log in to Online Banking with your User Code and Password to view, download and/or print the electronic statement. It is your responsibility to protect your Online Banking User Code and Password from unauthorized persons. You agree that it is your responsibility to accept such electronic statement(s) facility which may at any time and from time to time availed by the Bank for such Products and Services at such intervals and frequencies and by such means of delivery as the Bank may decide at its absolute discretion. Further the Bank has the discretion from time to time to modify, restrict, withdraw, cancel, suspend, terminate or discontinue your use of ensure that the electronic statement(s) facility and you statement cannot be viewed by others. You understand that by using the electronic statement(s) facility after any modification or change has been effectedauthorizing this eStatement service, you will no longer receive paper statements in the mail. You are taken to have agreed to such modification or change. 7.2 The Bank reserves responsible for notifying us of any change in your email address ten (10) days before the right to impose such fees and charges for the use of the electronic statement(s) facility with your prior consent. 7.3 You agree that the availability of the electronic form end of your respective Statements normal statement cycle. Email us to send notification of Account on the corresponding statement dates (an email address change. If your electronic email notification is returned as determined by the Bank) shall undeliverable, an attempt will be taken as the date of delivery of the Statements made to you. 7.4 You agree that your use of the electronic statement(s) facility is to be in such manner as may be prescribed by the Bank from time to time. Electronic statements may be delivered to you through OCBC Online Banking, e-mail or such other means as the Bank may determine at its sole discretion and notified to you : (a) your statements may be availed through OCBC Online Banking, which is further subject to the terms and conditions governing OCBC Online Banking Services; (b) your statements may be delivered as attachments to your last known e-mail address registered with the Bank. You represent, warrant and covenant that you have provided to the Bank your e-mail address of which you are the registered or authorised user, or such other information requested by the Bank to ensure and facilitate the Bank’s delivery of the electronic statements including electronic Statements of Account, Confirmations and (where applicable) statements of Contracts to contact you. You understand that if you do not receive an email notification, it does not release you from the responsibility to review your electronic statement promptly and notify the bank of any errors within 60 days of the statement date. By authorizing eStatement service, you consent to receiving other electronic communication from us including:  Legal and regulatory disclosures  Change in terms notices relating to your account  Annual privacy notice We reserve the right to provide a paper copy of any communication you have authorized us to provide you electronically. If you wish to discontinue this eStatement service at any time, please contact your branch office to stop the required informationelectronic statement and resume a paper statement. Please notify us at least ten (10) days before the end of your normal statement cycle. If, while using the eStatement service, you need a paper copy of a statement or disclosure, please contact your branch office. A fee may apply. If any account you have requested to receive eStatements is a joint account, please be advised that only you will receive and be able to access the electronic communication for such account. Therefore, you are solely responsible for promptly and timely sharing any account statement, any statement-related information provided thereon, and any additional account communication with your joint account holder as needed or requested by such joint account holder. All electronic statements shall be in full compliance with applicable laws and regulations. The provisions in this agreement are part of (and in supplement to) the bank's Terms and Conditions and all applicable disclosures we have previously provided to you for Depository Accounts. You acknowledge that your consent to electronic statements and communication is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in global and National Commerce Act. We reserve the right to discontinue E-Statements, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such termination or change as required by law. You are responsible for maintaining the confidentiality of the passwords. You understand and agree that you are responsible for all transactions incurred using your user codes and passwords. You agree to disclose passwords only to those individuals authorized to use Online Banking or a particular function level in Online Banking. Anyone to whom you disclose your passwords and anyone who has access to your passwords will have full access to the services you can perform on Online Banking, including full access to your accounts. The person's authority will be limited only to the extent that the password was established with limitations on the functions that could be performed using that password. We are entitled to presume that all communications containing proper user codes and passwords are authorized by you and to act upon those communications, and you will be bound by any transaction performed by any person using that user code and password. You assume full responsibility and liability for the consequences of any misuse or unauthorized use of or access to Online Banking Services or disclosure of any confidential information or instructions of yours by your employees, agents or other third parties that gain access to your passwords. The use of the user code and password as a security measure supersedes any other security procedures in agreements you have with us relating to funds transfers such as an ACH Agreement. Tell us AT ONCE if there you believe any of your passwords have been lost, stolen or otherwise available to an unauthorized person or that someone has transferred or may transfer money from your account without your permission. Telephoning the bank is any inaccuracy the best way of keeping your possible losses down. You could lose all the money in your accounts (plus the information provided maximum amount in your line of credit). Telephone the Bank at (▇▇▇) ▇▇▇-▇▇▇▇, or write to the Bank at Pioneer Trust Bank, N.A., PO Box ▇▇▇▇, ▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇. ▇.▇., ▇▇▇▇▇, ▇▇ ▇▇▇▇▇. Notwithstanding any other provision in this agreement, unless otherwise prohibited by law, our sole responsibility for an error by us or if the information is outdatedour third party provider in transferring funds or otherwise arising from or relating to this agreement will be to correct any errors, these may result but in failure no case will we be liable for any indirect, special, incidental or consequential damages in connection with or in any way related to deliver the electronic statements to you and/or delivery of the electronic statements to an unauthorized third party, at your risk and detriment and for which the Bank shall assume no responsibility. 7.5 business online banking service or our performance hereunder. You agree that it is to indemnify and hold us harmless from any and all claims, demands, actions, suits, damages, judgments, liabilities, costs and expenses, and attorneys' fees arising out of or resulting from your sole responsibility to update the Bank should there be use of Online Banking or your breach of any change of your information such as changes in your e-mail address, in order obligations under this Agreement. Your obligation to ensure that the electronic statements indemnify us shall continue to be delivered to you in a timely manner. The Bank shall be entitled to act on your last known information in the Bank’s records on the basis that such information remains correct, complete and updated, if you have not taken steps to update your information with the Bank through such channels availed and subject to such processes imposed by the Bank for updating and changing your informationsurvive termination of this Agreement. 7.6 The Bank shall have absolute discretion to deliver (a) both paper and electronic statements or

Electronic Statements. 7.1 There are three electronic statements that will be available to you through this contract: eStatements from OAS FCU, your mortgage loan statements from CUMA, and your Visa credit card monthly statements. Your eStatements will be available to you on the first day of each month through the Home Banking service. Each OAS FCU statement will remain up to 18 months in its memory, and you may request a paper copy of a statement at any time for which you will be charged a fee. If you request to receive your statements on paper, your eStatements service will be cancelled. Please set up your CUMA electronic statements in your Online Banking following these simple instructions. After that, your CUMA statements will be available to you on 17th day each month through the CUMA section of the Online Banking service. Each CUMA statement will remain up to 12 months in its memory, and you may request a paper copy of a statement at any time for which you may be charged a fee. If you request to receive your CUMA statements on paper, your electronic statements service will be cancelled. Please activate the delivery electronic statements for your OAS FCU Visa card following these easy instructions. Afterwards, your Visa electronic statements will available to you on the ezCardInfo section of your Online Banking platform. Later, if you request to receive your Visa statements on paper, your electronic credit card statements service will be cancelled. At any time, you may request from us a paper copy of any record, disclosure, or agreement, provided that we have made it available to you electronically; you may be charged a fee for such copy. You agree will be able to accept such obtain copies or receipts of Online Banking records, forms, and disclosures (not including your eStatements) through the Online Banking platform. Once or if the documents are unavailable through Online Banking, and if you wish for us to send you paper copies of those documents from our office, you must request them in writing from the department that processed your request; if unsure, contact our Member Services Department (see “How to contact OAS FCU” below). Exception: please be advised that for any requests that you make using DocuSign or Meridian Link, should you change your mind and want to switch to paper communications later on, any receipts will be delivered in electronic statement(s) facility which format only. If you decide to communicate, transact and/or receive electronic communications from us, you may at any time change your mind and from time tell us that thereafter you want to time availed by the Bank for such Products suspend electronic services and/or receive all required communications only in paper format. If you decide to suspend electronic services and/or receive future communications in paper format and Services at such intervals and frequencies and by such means of delivery as the Bank may decide at its absolute discretion. Further the Bank has the discretion from time wish to time withdraw your consent to modifytransact and/or receive communications electronically, restrict, withdraw, cancel, suspend, terminate or discontinue your use of the electronic statement(s) facility and you understand that by using the electronic statement(s) facility after any modification or change has been effected, you are taken to have agreed to such modification or change. 7.2 The Bank reserves the right to impose such fees and charges for the use of the electronic statement(s) facility please contact us with your prior consent. 7.3 You agree that request following the availability of instructions described in the electronic form section titled “How to contact OAS FCU”. If you elect to communicate, transact, and/or receive required communications only in paper format, it will slow the speed at which we can complete certain steps in transactions with you and delivering services to you because we will need first to send the required documents to you in paper format, and then wait until we receive back from you your acknowledgment of your respective Statements receipt of Account on such paperwork, or the corresponding statement dates (as determined by completed paperwork in question. Additionally, your withdrawal from this Agreement will result in the Bank) shall be taken as the date of delivery of the Statements loss of: • Your access to you. 7.4 You agree that your use of the our electronic statement(s) facility is to be in such manner as may be prescribed by the Bank from time to time. Electronic statements may be delivered to you through OCBC services, including Online Banking, e-mail and • Your ability to use certain OAS FCU products and apps. You can contact us to let us know that we may communicate with you electronically (in the event that you do not agree to this Agreement), to request paper copies of certain information from us, to cancel the delivery of electronic monthly statements from OAS FCU, to withdraw your prior consent to receive notices and disclosures electronically, or such other means to withdraw your consent to communicate electronically as the Bank may determine follows. OAS FCU – Member Services Department ▇▇▇▇ ▇ ▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ Please send your message/request by email to our Member Services Department at its sole discretion and notified ▇▇▇▇▇▇_▇▇▇▇▇@▇▇▇▇▇▇.▇▇▇. To request delivery from us of paper copies of any electronic communication previously provided by us to you : (aelectronically, send us an email to ▇▇▇▇▇▇_▇▇▇▇▇@▇▇▇▇▇▇.▇▇▇ stating your full name, postal address, email address, and telephone number along with the name(s) and date(s) of the documents you wish to receive via paper mail. For security reasons, please do not include your statements may account number. To let us know of a change in your email address where we should send notices and disclosures, please log into to your Online Banking and select the “Contact Information” category located in your Profile tab. In the form you will be availed through OCBC able to change any of your current contact information on file with OAS FCU. If you do not have access to Online Banking, which is further subject please email our Member Services Department at ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇.▇▇▇ to the terms and conditions governing OCBC Online Banking Services; (b) make your statements may be delivered as attachments to your last known e-mail address registered with the Bank. You represent, warrant and covenant that you have provided to the Bank your e-mail address of which you are the registered or authorised user, or such other information requested by the Bank to ensure and facilitate the Bank’s delivery of the electronic statements including electronic Statements of Account, Confirmations and (where applicable) statements of Contracts to you. You understand that if you do not provide the required information, or if there is any inaccuracy in the information provided to the Bank or if the information is outdated, these may result in failure to deliver the electronic statements to you and/or delivery of the electronic statements to an unauthorized third party, at your risk and detriment and for which the Bank shall assume no responsibilityrequest. 7.5 You agree that it is your sole responsibility to update the Bank should there be any change of your information such as changes in your e-mail address, in order to ensure that the electronic statements shall continue to be delivered to you in a timely manner. The Bank shall be entitled to act on your last known information in the Bank’s records on the basis that such information remains correct, complete and updated, if you have not taken steps to update your information with the Bank through such channels availed and subject to such processes imposed by the Bank for updating and changing your information. 7.6 The Bank shall have absolute discretion to deliver (a) both paper and electronic statements or

Electronic Statements. 7.1 Upon enrollment for eStatements, we will prepare an electronic statement for your account(s) and provide a reminder on a monthly or quarterly basis, as applicable, of its availability. We will send this reminder to a working email address that you provide us. To access your statement you will be required to log in to Online Banking with your User Code and Password to view, download and/or print the electronic statement. It is your responsibility to protect your Online Banking User Code and Password from unauthorized persons. You agree that it is your responsibility to accept such electronic statement(s) facility which may at any time and from time to time availed by the Bank for such Products and Services at such intervals and frequencies and by such means of delivery as the Bank may decide at its absolute discretion. Further the Bank has the discretion from time to time to modify, restrict, withdraw, cancel, suspend, terminate or discontinue your use of ensure that the electronic statement(s) facility and you statement cannot be viewed by others. You understand that by using the electronic statement(s) facility after any modification or change has been effectedauthorizing this eStatement service, you will no longer receive paper statements in the mail. You are taken to have agreed to such modification or change. 7.2 The Bank reserves responsible for notifying us of any change in your email address ten (10) days before the right to impose such fees and charges for the use of the electronic statement(s) facility with your prior consent. 7.3 You agree that the availability of the electronic form end of your respective Statements normal statement cycle. Email us to send notification of Account on the corresponding statement dates (an email address change. If your electronic email notification is returned as determined by the Bank) shall undeliverable, an attempt will be taken as the date of delivery of the Statements made to you. 7.4 You agree that your use of the electronic statement(s) facility is to be in such manner as may be prescribed by the Bank from time to time. Electronic statements may be delivered to you through OCBC Online Banking, e-mail or such other means as the Bank may determine at its sole discretion and notified to you : (a) your statements may be availed through OCBC Online Banking, which is further subject to the terms and conditions governing OCBC Online Banking Services; (b) your statements may be delivered as attachments to your last known e-mail address registered with the Bank. You represent, warrant and covenant that you have provided to the Bank your e-mail address of which you are the registered or authorised user, or such other information requested by the Bank to ensure and facilitate the Bank’s delivery of the electronic statements including electronic Statements of Account, Confirmations and (where applicable) statements of Contracts to contact you. You understand that if you do not receive an email notification, it does not release you from the responsibility to review your electronic statement promptly and notify the bank of any errors within 60 days of the statement date. By authorizing eStatement service, you consent to receiving other electronic communication from us including:  Legal and regulatory disclosures  Change in terms notices relating to your account  Annual privacy notice We reserve the right to provide a paper copy of any communication you have authorized us to provide you electronically. If you wish to discontinue this eStatement service at any time, please contact your branch office to stop the required informationelectronic statement and resume a paper statement. Please notify us at least ten (10) days before the end of your normal statement cycle. If, while using the eStatement service, you need a paper copy of a statement or if there disclosure, please contact your branch office. A fee may apply. If any account you have requested to receive eStatements is a joint account, please be advised that only you will receive and be able to access the electronic communication for such account. Therefore, you are solely responsible for promptly and timely sharing any inaccuracy in the account statement, any statement-related information provided to the Bank thereon, and any additional account communication with your joint account holder as needed or if the information is outdated, these may result in failure to deliver the electronic statements to you and/or delivery of the electronic statements to an unauthorized third party, at your risk and detriment and for which the Bank shall assume no responsibility. 7.5 You agree that it is your sole responsibility to update the Bank should there be any change of your information requested by such as changes in your e-mail address, in order to ensure that the joint account holder. All electronic statements shall continue to be delivered in full compliance with applicable laws and regulations. The provisions in this agreement are part of (and in supplement to) the bank's Terms and Conditions and all applicable disclosures we have previously provided to you for Depository Accounts. You acknowledge that your consent to electronic statements and communication is being provided in connection with a timely manner. The Bank shall be entitled to act on your last known information in the Bank’s records on the basis transaction affecting interstate commerce that such information remains correct, complete and updated, if you have not taken steps to update your information with the Bank through such channels availed and is subject to the federal Electronic Signatures in global and National Commerce Act. We reserve the right to discontinue E-Statements, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such processes imposed termination or change as required by the Bank for updating and changing your informationlaw. 7.6 The Bank shall have absolute discretion to deliver (a) both paper and electronic statements or