The following provisions are important disclosures, which apply to your election to receive electronic records.

DEFINITIONS. In the provisions hereof, the terms "you" and "your" refer to the consumer, and the terms "we" and "us" refer to Grove Bank & Trust. Also, the use of "you" and "your" shall be construed in the singular and plural, as the text requires.

SCOPE AND DURATION. You have elected to receive all available disclosures, notices and other records ("records") from us in either paper or electronic form.

SYSTEM REQUIREMENTS. Your system must have the following necessary hardware and software in order to receive and retrieve electronically: Computer with the capability to access the Internet

Internet Browser that supports 128-bit encryption

Adobe Acrobat Reader 6.0 or higher. We will notify you of any change in the hardware or software requirements needed for access to or retention of electronic records.

CONFIRMATION. By electing to have records provided to you in electronic form, you agree to confirm your ability to access the information.

When we notify you of any system change, you must reconfirm your consent according to the instructions provided at the time, or withdraw your consent, in the manner set forth below.

REQUESTING PAPER COPIES. You may request paper copies of your records.

CHANGING YOUR E-MAIL ADDRESS. When you change your e-mail address or other contact information, you must provide us with your new e-mail address or other contact information. If you fail to provide us with this information and electronic records are returned undelivered, We will revoke your authorization and future disclosures and notices will be sent by mail to the mailing address on record..

WITHDRAWAL OF CONSENT. Any authorized signer for the account listed on the Consent Agreement has the right to withdraw at any time the consent to have records provided in electronic form, either using the Withdrawal of Consent section supplied below or in any notification approved by us. Your consent withdrawal will not be effective until we receive it and have had a reasonable opportunity to act upon it.

ACKNOWLEDGMENT. By signing this Consent Agreement, you acknowledge that you have read and understand the above provisions, and request and authorize Grove Bank & Trust to provide you with records for the accounts indicated above in an electronic form.

CONTACT INFORMATION. For questions about the electronic delivery of statements and notices, contact your banker at 305-858-6666

WITHDRAWAL OF CONSENT. I hereby withdraw my consent for the electronic delivery of records on the account(s) identified below as of this date. I understand that subsequent to the acceptance of the Withdrawal of Consent by Grove Bank & Trust, any further records will be sent to me at the address on record for the account(s) identified below. I understand that the withdrawal of consent must be provided in a manner acceptable to you and allowing you sufficient time to act upon it.