Frontier Bank Consent For Electronic Disclosures

In this Consent Form, "we", "us", and "our" mean Frontier Bank. The words "you" and "your" mean the person(s) performing the transaction on our Web site for which this Consent Form is being provided. If there is more than one of you, any consent or withdrawal of consent for electronic disclosures or terms of use by any one of you will be effective for all of you with respect to that transaction.

Your Consent

In order for you to access Frontier NetTeller and/or Frontier NetTeller with Power Pay on our Web site, we must have your consent to provide required disclosures in electronic format. If you do not consent to electronic disclosure of these documents, you will not be able to proceed with the transaction on our Web site. Your consent applies to all of the documents we provide to you electronically in connection with applying for and opening the account on our Web site. This Consent Form does not apply to documents to be provided or made available later during the course of your account relationship. Such later documents (such as statements or notices) will not be provided to you electronically unless we offer them that way and you consent at that time to electronic delivery of such documents.

Paper Copies

If you consent to electronic delivery of documents, we may also provide you with paper copies, but we are not required to do so. If we do not provide you with paper copies, you may obtain these documents in paper form without charge by printing them yourself or by calling us and requesting us to mail paper copies of these documents to you if they are available. Our telephone number is 1-888-369-0303 Monday through Friday from 8:00 a.m. to 4:00 p.m. Central Standard Time (CST).

Withdrawal of Consent

Since this Consent Form does not cover documents to be provided later during the course of your account relationship, there are no subsequent documents for which to withdraw consent. If you want to withdraw consent before you have finished this transaction, you may do so by canceling the transaction before you have completed it. Withdrawal of consent will not be effective for documents that we have already provided to you electronically.

Information Needed to Contact You

Since this Consent Form does not cover documents to be provided later during the course of your account relationship, there are no procedures you need to use to update information needed for us to contact you electronically in order for you to receive the disclosures covered by this Consent Form.

Hardware and Software Requirements

Electronic disclosures will be presented via the Internet. Since you are already accessing this Consent Form via the Internet, it is likely that you are already using all the hardware and software you need to access the disclosures electronically. In order to view these disclosures, you will need a hardware device that can access the Internet via modem or other form of connection, such as a personal computer (PC), a personal digital assistant (PDA), an Internet enabled telephone or other similar Internet device. Your hardware device must run on an appropriate operating system, such as Microsoft® Windows 95 or above, Mac OS, or UNIX in the case of a PC. You must contract with an Internet service provider (ISP) in order to be able to connect to the Internet. ISPs are companies like America Online (AOL), RoadRunner™ or digital subscriber lines through your local telephone company. You must use any hardware or software required by your ISP. Additionally, Internet browser software, such as Microsoft® Internet Explorer 4.0 or above or Netscape Navigator 4.0 or above, is required to access these disclosures from a personal computer. Adobe® Acrobat Reader is required to view some disclosures from a personal computer. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain these disclosures for future reference.

Consent for Electronic Disclosures

( ) I/we consent to electronic disclosure of all Internet Banking documents as indicated above, and confirm that I/we will receive and read the terms and conditions of the Online Banking Enrollment Form, Online Banking Agreement, Web Site Agreement, and Security Statement.

( ) I/we do not consent to electronic disclosure and understand that this choice cancels the application or other transaction now being performed.

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Please click here for our Disclosures. *This Frontier Bank web site may contain links to other web sites operated by third parties. The linked sites are not under any control of Frontier Bank or its affiliates or subsidiaries, and Frontier Bank is not responsible for their content. Such links do not imply Frontier Bank's endorsement or guarantee of the products, information, or recommendations provided by any third party site. The third party site may have a privacy policy different from that of Frontier bank and may provide less security than the Frontier Bank web site. Frontier Bank disclaims all liability with regard to your access to such linked web sites. Frontier Bank provides links to other web sites as a service to users, and access to any other sites linked to Frontier Bank is at your own risk. For additional information please click here. It is the policy of Frontier Bank not to contact customers electronically. Email and the world wide web are not secure methods of contacting our customers. If you receive an email from us asking for sensitive information or to follow a link to update customer information please report the incident to us immediately at 866.216.0948 to report the email in question.