Electronic Business Information
This Disclosure and Consent contains important information regarding your transaction of business with us electronically. Federal law (including The Electronic Signatures in Global and National Commerce Act (E-Sign Act)) treats electronic signatures as having the same legal force and effect as if they were signed on paper by hand. Therefore, online contracts have the same legal force as signing an equivalent paper contract in ink. Please note, to apply for products and services online, the applicant will be required to utilize an electronic signature.

Records
Records that are subject to this disclosure and consent include, but are not limited to, applications, notices, disclosures, account statements, authorizations and other documents that may be provided to you in the course of your relationship with West Bank. This includes Records received, signed, and/or delivered electronically by West Bank (“we” or “us” or “our”).

Consent
By accepting these terms, you are providing consent to receive Records from West Bank electronically, rather than in paper format.

Once you have consented to electronic disclosure, West Bank will provide you with paper copies of any Records. West Bank will charge a fee (as disclosed on our Service Fee Schedule) for printing documents for you. Contact Customer Service at 515-222-2360 or 1-855-464-5407 to request a Record.

Withdrawing Consent
You may withdraw your consent to receive Records electronically at any time and start receiving paper statements. If you withdraw your request, your Online Banking and Bill Pay (if applicable) will be cancelled. There is no fee to withdraw your consent. To withdraw your consent to electronic disclosure, please contact West Bank Customer Service at 515-222-2360 or 1-855-464-5407. Your consent to withdraw will be effective after West Bank has had a reasonable amount of time to process your request.

Receiving Electronic Records
West Bank will send you an e-mail notifying you that your Record is ready for viewing. You are deemed to have received any Records provided to you by email when they are made available to you at your email address of record.

Updating your Information
You agree to notify us promptly if your mailing address, e-mail address, or other information changes. Please contact West Bank Customer Service at 515-222-2360 or 1-855-464-5407.

Printing/Downloading Records
You agree to print out and/or download Records when we advise you to do so and keep them for your records. If you have any trouble printing out, downloading, and/or accessing any Records, you may contact us at 515-222-2360 or 1-855-464-5407.

Retaining Electronic Records
Screen Print. You can send screen prints to your printer. Most Internet browsers provide a convenient method of printing the Records you view on your monitor. You may print copies from the West Bank Online Banking Website where the Records can be accessed.
You can save an electronic copy of Records to your personal computer, PDA, or storage device, such as an external hard drive. Records will be provided in PDF format for download.

How to download your electronic Records
Records on the West Bank Online Banking Website are available in Adobe® Portable Document Format (“PDF”). PDF allows for a cross-platform PostScript-based file containing any combination of text, graphics, and images.

• To download a PDF file, you have to click on the link beside the PDF icon: PDF
• A dialog box from your browser will appear asking you if you want to save the PDF file. Specify where you want the PDF file saved for future reference. Beside the PDF icon, the size of the file is specified to let you know how long a file can take to download. Remember that depending on the speed of your Internet connection, Internet traffic, and your Internet provider, the download time can vary.

Once the file is on your local drive, you can view, navigate, or print the documents using Adobe Acrobat® software. If you do not have this software, a copy of Acrobat Reader® or Exchange® is available in various languages, as well as operating systems including Windows, Macintosh, and Linux.

Documentation for installation and operating requirements can be found on the Adobe® site here:
https://helpx.adobe.com/reader/system-requirements.html#80win

Download a copy of the latest version of Adobe Acrobat Reader® from the Adobe® web site here: https://get.adobe.com/reader/

Once the software is installed, you can view the PDF file by opening it in Acrobat Reader®.

Please consult the information provided with Acrobat Reader® or the Adobe® Website for any problems or questions you may have.

What Type of Hardware and Software Will I Need to Access Records
You must have a device that can access the internet, an e-mail address, an internet connection, and a browser with a level sufficient to communicate with West Bank. You must also have the ability to receive and read PDF files.

Browser Requirements

• Internet Explorer 10 and higher
• Mozilla Firefox Extended Support Release
• Apple Safari: 8.0 and higher
• Google Chrome