Electronic Signature and Notice Disclosure


^{1. Purpose & Scope} This Electronic Signature and Electronic Communications Disclosure ("Disclosure") is provided in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.) and, where applicable, the Uniform Electronic Transactions Act (UETA), as well as applicable guidance from the Consumer Financial Protection Bureau (CFPB), the Office of the Comptroller of the Currency (OCC), and the Federal Financial Institutions Examination Council (FFIEC). This Disclosure governs your consent to conduct business electronically, to receive legally required notices and disclosures electronically, and to use electronic signatures in connection with products and services offered by the American National Bank of Mt Pleasant ("Bank").
2. Scope of Electronic Communications ^{By consenting, you agree to receive the communications electronically in lieu of paper, including but not limited to the following: Account} ^{Disclosures, Truth in Savings, Reg E, Reg Z notices, Statements & Confirmations, Periodic statements, transaction receipts, Legal &} ^{Regulatory Notices Privacy notices, adverse action notices, Agreement Changes, Terms and fee schedule amendments}
3. Hardware & Software Requirements ^{To access and retain electronic communications, you must have the following minimum hardware and software capabilities at the time of} ^{consent and on an ongoing basis:} _{Internet Access} ^{Broadband or equivalent connection} _Software ^{Browser Chrome 110+, Firefox 110+, Safari 16+, Edge 110+, PDF Reader, Adobe Acrobat Reader or equivalent} _{Email Account} ^{Valid, active email address on file with storage or ability to download or print documents} _{Current Operating System} ^{Windows 10+, macOS 12+, iOS 16+, Android 12+}
^{4. Right to Withdraw Consent} You have the right to withdraw your consent to receive electronic communications at any time. Withdrawal of consent will not affect the legal validity of any electronic disclosures or signatures provided prior to the effective date of withdrawal. To withdraw consent, you may: (a) log in to online banking and update your delivery preferences; (b) call Customer Service at the number (903) 572-1776; or (c) submit a written request to the Bank's address 301 S Madison Ave Mount Pleasant, TX 75455. Withdrawal may result in the Bank requiring paper-based communications, which may incur standard statement fees as disclosed in your fee schedule.
5. Updating Contact Information You are responsible for maintaining a valid, current email address and contact information with the Bank. You must promptly notify the Bank of any change to your email address or changes in your ability to receive electronic communications. Failure to do so may result in the Bank being unable to deliver required notices and may affect your legal rights.
6. Paper Copy Requests You have the right to request a paper copy of any electronic communication previously provided, subject to fee schedule and timely communication, per our record retention schedule.
7. Legal Effect of Electronic Signature Pursuant to the E-SIGN Act (15 U.S.C. § 7001(a)) and applicable state law, your electronic signature on any agreement, application, or authorization shall have the same legal effect, validity, and enforceability as a handwritten signature. No agreement, document, or notice shall be denied legal effect solely because it was signed or delivered electronically. Your electronic signature is uniquely associated with you and will be attributed to you. The Bank maintains audit logs of all electronic signatures, including the date, time, IP address, device identifier, and document hash for each signed record
Electronic Signature & Electronic Communications Consent Disclosure Version 2.1 · Effective Date: May 19, 2026