This Agreement and Disclosure specifically governs Lake Sunapee Bank Online and its First Brandon Bank Division Electronic Statement(s)/Notice(s) Service, and informs you of your rights and responsibilities and the terms and conditions associated with the service.

Please read this Agreement and Disclosure carefully and retain a copy for your records. By selecting "I Agree" (which appears below if you are enrolling at this time) you consent and agree to the following:

Your Responsibility
The email address you provide us with is the email that will be used to send your periodic statements, notices, and statement related notifications. It is important to inform us immediately if your email address changes.

If you use a work email address, your employer or other employees may have access to your email. Although we believe that email is a reasonably secure method of delivery, as with any form of communication, there is a risk of misdelivery or interception. You agree to release Lake Sunapee Bank fsb and its First Brandon Bank Division from any liability if the information is intercepted or viewed by an unauthorized party at your employer or other email address selected by you.

User ID and Password
To view the electronic documents and images, your Online Banking ID and Password are required. Your Online Banking ID and Password are your keys to electronic documents. It takes both identification keys to gain access. Please use maximum caution in protecting your ID and Password.

You are responsible for keeping your Online ID and Password confidential and for logging out when your session is complete to prevent unauthorized persons from accessing your electronic documents. You agree to immediately contact us at (800)310-6356 if you suspect any unauthorized use of your Online ID or Password.

e-Statements
Upon receipt of your consent and using the email address you provide, we will send notification of the availability of your periodic statement each statement period and any notices. When your statement is available, you will receive an email to that effect at the email address we have on file at that time. You will have sixty (60) days from the time of the email within which to view, print or archive your statement and thirty (30) days for notices.

Once you select the option of receiving your statements/notices electronically, you will not receive paper statements/notices through U.S. mail. Promotional materials and other inserts will also be included with your electronic statements. Although you are opting out from receiving your statements, notices and disclosures by U.S. mail, you have the option to receive a paper statement, notice or disclosure, at any time, by request (service fees may apply).

Hardware and Software Requirements
To receive your statements electronically, you will need access to a computer that satisfies the minimum browser requirements for online banking. To determine if your computer satisfies those requirements, select the "Test Your Browser’s Security" option, which is located in the Online Banking Login section of www.lakesunbank.com. Additionally, in order to keep copies for your records, it will be necessary to have access to a printer or the ability to download and archive the document to your computer.

Adobe Acrobat Reader® version 6.0 or higher is required to open and view your electronic documents. Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and in other countries.
THIS PRODUCT IS NOT ENDORSED OR SPONSORED BY ADOBE SYSTEMS INCORPORATED, PUBLISHER OF ACROBAT READER.

Termination
This Agreement remains in effect until either you or we terminate it. You may discontinue or modify your enrollment in one or more paperless documents at any time by calling us at 800-310-6356 or 603-863-5772 ext. 6148, or logging into online banking at www.firstbrandon.com. You will need to deselect each statement or notice you wish to discontinue receiving electronically. Request to terminate must be received by us ten (10) days prior to the statement date in order to take effect.

We may terminate this Agreement and your participation in e-Statements at any time, for any reason, including non-usage or inactivity. Although we will try to notify you in advance of our termination, we are not obligated to do so.