To access and use Cape Fear Bank e-Banking, you must agree to this consent to receive electronic disclosures and the e-banking agreement and dislosure (the “Agreements”). You must agree to the Agreements in electronic form, and you must consent to receive the Agreements and all communications regarding e-Banking electronically. If you do not agree, you will not be able to access Cape Fear Bank e-Banking.

The following information and disclosures will be provided electronically: the Agreements; and, all communications (including disclosures and notices) regarding online banking, all future amendments (including to the Agreements), and all notices of changes, suspension, restriction, and termination of e-Banking services.

We will provide future communications electronically by posting the communication or posting a link to the communication on the e-Banking log-in page or on a separate web page that you must click-through to access e-Banking. We also may send communications to your e-mail address. You consent to receive electronic communications by posting, e-mailing, or both. You may download or print the communications from a computer if the computer has the hardware and software described below. We will post or e-mail communications prior to their effective date when the law or regulations require us to do so. However, your use of e-Banking after the effective date of any communication means that you have accepted the communication. To change your e-mail address, see the section of the e-Banking agreement and disclosure entitled, “Special Information About E-Mail and Notices.”

e-Banking is available ONLY if you accept the Agreements electronically. Except as required by law or regulation, we do not provide paper copies of the Agreement or related disclosures.

You may withdraw your consent to receive electronic disclosures by calling us at (910) 509-2000 or by mailing us at Cape Fear Bank e-Banking Customer Service Department, 1117 Military Cutoff Road, Wilmington, NC 28405. Your mail or telephone request must state that you are withdrawing your consent for future electronic delivery of e-Banking communications, state that you are terminating the e-Banking service, and include your name and account number. If you withdraw your consent to receive electronic communications, your e-banking service will be canceled. Unless you specify a later date in your request, your withdrawal of consent will be effective within ten days after we receive your mail or telephone request. There are no service fees for withdrawing your consent; however, if you pay a fee for e-Banking access, you may be charged fees for e-Banking through a certain period (such as the end of the month) in connection with termination of the e-Banking service.

System requirements: To access and retain communications from us regarding e-Banking, your system (hardware and software) must meet the following requirements. In addition, to access communications from us sent to your external e-mail address, you must have an active e-mail account with an Internet e-mail service provider and software enabling you to download and view Internet e-mail.

You need a personal computer with software to access the Internet, an Internet connection, and a version of a secure web browser that supports 128-bit encryption. We recommend you use at least version 5.5 of Internet Explorer or version 6X of Netscape Communicator.

To print or download communications, you must have a printer connected to your computer and software that allows you to print from your computer, or sufficient hard-drive or disk space to save the disclosure.

If we upgrade the minimum system requirements, we will notify you of the revised requirements and you will be asked to confirm your consent to receive electronic disclosures; you will have the right to withdraw your consent by following the process described above.

By selecting “AGREE” on this web page:

You acknowledge and agree that your system (hardware and software) meets the system requirements indicated above; and, you acknowledge and agree that you are able to access the Agreements and all communications in electronic form; and, you consent to receive all communications regarding online banking in electronic form; and, you agree to the Agreements, in their electronic form, without change.

If you select “DO NOT AGREE,” or if you terminate this session without making a selection, you will not be able to access e-Banking.

Your use of e-Banking confirms your acceptance of the Agreements.

We presume that the person selecting “AGREE” or “DO NOT AGREE” is authorized to do so. If “AGREE” is selected, then this consent is effective for all accessible accounts, all account holders, and all persons accessing the accounts using e-Banking.