UPFRONT ELECTRONIC COMMUNICATIONS CONSENT AND DISCLOSURE

In this Upfront Electronic Communications Consent and Disclosure the terms “you,” “your,” and “yours,” each mean the Evolve Bank & Trust Account Owner, authorized signer, and/or authorized user. The terms “we,” “us,” “our,” ”ours,” and “Evolve” each refer to and mean Evolve Bank & Trust.
The purpose of this Upfront Electronic Communications Consent and Disclosure is to provide you with important information regarding your consent for us to conduct business electronically with you and to deliver Communications to you in electronic format. The electronic delivery of Communications may include applications, agreements, disclosures, and other forms, and the ability for you to provide your electronic signature on such Communications using DocuSign.

This Evolve Bank & Trust Upfront Electronic Communications Consent and Disclosure governs the terms and conditions for the electronic delivery of Communications (as defined below) pertaining to your Evolve membership, accounts, and other Evolve products and services you request, and includes your and our obligations and responsibilities thereto. This Upfront Electronic Communications Consent and Disclosure and the Communications can be printed and/or downloaded, and are available to you in paper hardcopy upon request. Please read this Upfront Electronic Communications Consent and Disclosure carefully and thoroughly, and retain it for your records.

“Communications” means: sending email to you at the email address you provide to us; all applications, agreements, forms, and disclosures, and any and all amendments, changes, or modifications thereto; product, service and fee change in terms notices; annual and other periodic notices required by law or regulation; and, other information we believe of value or importance to you.

Applicability of Consent ‐ Your electronic consent to conduct business electronically applies to this Upfront Electronic Communications Consent and Disclosure and the electronic delivery of Communications. By affirmatively consenting, you confirm that you have the necessary hardware and software and can access this information and Communications electronically to your satisfaction, and agree to the terms and conditions of this Electronic Communications Consent and Disclosure. Note: Your consent to do business with us electronically and for the electronic delivery of Communications to you under this Upfront Electronic Communications Consent and Disclosure does not automatically enroll you in our Online Services, Online Banking, Mobile Banking, or e‐Statement Services.

To Consent: To affirmatively consent to do business with us electronically, select and check the box “I have read the above Upfront Electronic Communications Consent and Disclosure…” and click the Next button.

To Decline: If you do not wish to consent to do business with us electronically, do NOT select and check the “I have read the above Upfront Electronic Communications Consent and Disclosure…” and leave the webpage. If you decline to do business with us electronically it may be necessary for you to visit one of our branches in person in order to conduct your business and complete any required documentation.

Email Address and Keeping Your Information Current ‐ In order to communicate with you regarding your Communications and to deliver to you or notify you of Communications, you must provide us with your valid e‐mail address. It is your responsibility to promptly notify Evolve Bank & Trust of any changes to your email address. You can update your email address with us by either calling us at 866‐395‐2754, or by submitting your change to us in writing via mail to Evolve Bank & Trust, Attn: Deposit Operations, 6070 Poplar Avenue Suite 200, Memphis, TN 38119, or by visiting one of our branches.

Print and Download Communications ‐ Communications are provided in either HTML or PDF format. For those Communications provided/available in PDF format, Adobe Reader version 6.0 or later is required. A free copy of Adobe Reader may be downloaded at http://www.get.adobe.com/reader. To print or download Communications you must have a printer connected to your computer or have sufficient hard‐drive space (approximately 1 MB) on your computer to download, store and view the information. To print, click on the document HTML or PDF link, select Print, select your Printer, and click OK to print to your printer where the document can be printed on your own paper, or select Save or Save As to save and retain an electronic copy on your computer.

Hardware and Software Requirements – You must have, at your cost:
• A computer with Microsoft Windows® XP, Vista, or Windows 7 Operating System, or Apple Mac® OS X v10.x Operating System.

• Internet Explorer 8+, Mozilla Firefox 1.5+, Apple Safari 4.1.3+, or Google Chrome internet browser with 128‐ bit SSL encryption; JavaScript and cookies enabled. Other internet browsers may be used but are not supported.

• Internet access and connectivity.

• A valid operating email address.

• Adobe Reader software to access and view documents provided to you in PDF format.

• Sufficient memory and drive space capacity to download and save PDF documents to your computer.

By affirmatively consenting, you confirm that you have access to the necessary hardware and software. The above requirements are subject to change. If these requirements materially change we will provide you with an email message at the email address we have on file and notify you of the revised hardware and software requirements, at which time you will have the right to withdraw your consent.

All Communications Are “In Writing” ‐ This Upfront Electronic Communications Consent and Disclosure and all other Communications delivered electronically or otherwise made available to you are considered “in writing” and are available to you in a form you may keep by either printing or downloading the documents, or by requesting a paper copy from us.

Obtaining Paper Copies of Agreements and Disclosures – You may obtain a paper copy of this Upfront Electronic Communications Consent and Disclosure and the Communications by printing it/them yourself. You may also contact us at 866‐395‐2754 to request a paper copy free of cost when sent by us to you through regular U.S. mail. If you request that paper copies of these Communications be sent to you other than through the regular U.S. mail you may be charged a fee.

Termination and Changes ‐ We reserve the right, at our sole discretion, to discontinue the provision of your electronic Communications, and to terminate or change the terms and/or conditions of this Upfront Electronic Communications Consent and Disclosure on which we provide Communications electronically. We will provide you with notice of any such termination or change as required by law.

Withdrawing Consent – You have the right to withdraw your electronic consent to conduct business electronically with us by telephoning us at 866‐395‐2754, by notifying us electronically via Secure Messaging at https://www.getevolved.com/send‐us‐an‐email.php, by sending your instructions to us via U.S. mail to Evolve Bank & Trust, Attn: Deposit Operations, 6070 Poplar Avenue Suite 200, Memphis, TN 38119, or by visiting one of our branches. If you withdraw your consent you may not be able to open additional accounts or request additional products and services electronically, or view, print or download this or other Communications.