Consent to Conduct Transactions Electronically

1 ABOVE AND BEYOND CUSTODY 2001 Spring Road, Suite 700 | Oak Brook, IL 60523 | | 01/18 Consent TO Conduct Transactions Electronically AND TO RECEIVE ELECTRONIC DISCLOSURES AND NOTICES By agreeing to this disclosure, you Consent to Conduct Transactions Electronically and to Electronically receive disclosures and notices relative to your account(s) as provided here. The disclosure also describes your rights relative to conducting Transactions Electronically and to Electronically receiving disclosures and notices, as well as the consequences of withdrawing your Consent . We recommend you print and retain a copy of this disclosure and all the disclosures and agreements for your records. Accounts applied for via the online application and accounts conducting electronic Transactions require such Consent .

2 If you do not Consent , you will not be able to apply online or Conduct electronic Transactions on your account. However, regardless of whether you Consent , you will still be entitled to apply to open accounts and Conduct account Transactions through other methods that we permit, such as by submitting paper forms. You understand, prior to consenting, that: 1) Your Consent applies to disclosures and notices regarding your account(s), including your periodic statements, and any services provided or Transactions you direct associated with that account; 2) Your Consent applies to any other person named on your account, subject to applicable law; 3) Electronic disclosures and notices may be provided by posting the information on the website where you access your accounts, through email, or by other electronic means; 4) If electronic statements were elected, electronic delivery of statements will be made by notifying you at the email address you provide that your statement is available for your retrieval from our website; 5) If you do not Consent , you retain the right to receive all required disclosures and notices in paper form.

3 6) Even after Consent , if you want to receive a paper copy of a disclosure or notice in addition to the electronic version you can obtain one free of charge by calling us or writing us at the number or address listed below; 7) You can withdraw your Consent at any time by calling us at or writing us at: Millennium Trust Company, 2001 Spring Road, Suite 700, Oak Brook, IL 60523; 8) If you do not Consent or if Consent is withdrawn for periodic statement delivery, charges for paper statements will apply according to the current charge posted on our online fee schedule, which is subject to change; 9) By consenting to Conduct Transactions and receive disclosures and notices Electronically , you agree to provide us with the information (such as a current email address) needed to communicate with you Electronically and update us as to any changes in such information by calling or writing us at the number or address listed below.

4 We reserve the right to provide any disclosures or notices in writing, rather than Electronically . If delivered by mail, our disclosures and notices will be mailed to the last known address we have on record for you. Except as otherwise provided in this or other agreements, by law, or on our website, you cannot give us notices Electronically , and all notices from you must be in writing and delivered to us at the address below. If at any time we are unable to deliver email notifications to your email address: We will contact you directly. Depending on the reason for the delivery failure, we may immediately suspend electronic delivery for your account(s), resulting in physical delivery of documents until such time that you update your email address. You understand that certain risks are associated with the transmission of confidential information, electronic delivery of notifications, and other communications through the Internet including but not limited to unauthorized access, systems outages, delays, disruptions in telecommunications services and the Internet.

5 Email is not private or secure. The electronic delivery notices sent to you by email are not encrypted. Although such electronic delivery notices are not intended to contain personally identifiable information, they may contain in their design part or all of your name or other identifier that could be seen or intercepted by others if delivered to your business email address or other computers or electronic devices not exclusively under your control. You understand and agree that you will not respond to electronic delivery notices by return email, or use it to request information, service, paper copies or other items or to revoke Consent . Millennium Trust will not respond to requests or inquiries made by return email. Electronic Signature Applications or disclosures you have submitted and future electronic Transactions you may Conduct relative to this account may require your electronic signature.

6 Any record containing an electronic signature shall be deemed for all purposes to have been signed and will constitute an original when printed from electronic records established and maintained by Millennium Trust or its agents in the normal course of business. From time to time and at Millennium Trust s discretion, we may require that paper originals of an electronic record be manually signed. System Requirements This website is intended to be used by all recent production versions of popular operating systems (Windows 7; Windows 10; MAC OS X) and web browsers (Apple Safari (latest version); Google Chrome (latest version); Microsoft Edge (Windows 10 Only); Microsoft Internet Explorer 11, Mozilla Firefox (latest version)). Other less popular or older versions of web browsers will generally work on this site, but be aware that some features will not be optimized or may not appear as intended.

7 This website is intended to be used by all recent production versions of popular mobile device operating systems (Apple Safari (latest version); Android: Google Chrome (latest version), Windows 8 Phone, Microsoft Internet Explorer 11; Windows 10 Phone, MozillaEdge (Windows 10 Only)). For this site to function properly, JavaScript must be enabled. This website uses cookies. Cookies enable a web server to identify and track web browsers. By using this website, you Consent to Millennium Trust s use of cookies. You must have software which permits you to receive and access Portable Document Format ( PDF ) files, recent production version of Adobe Acrobat Reader DC (available for downloading at ). Your access to this page verifies that your system/device has the necessary software to permit you to receive and access PDF files.