eStatement Disclosure This First New Mexico Bank, Las Cruces eStatement Disclosure (“Disclosure”) applies to each account you have with First New Mexico Bank, Las Cruces where electronic statements are available (“accounts”). The words “we,” “us,” and “our” mean First New Mexico Bank, Las Cruces and the words “you” and “your” mean you, the individual(s) who is identified on the account as the owner or authorized signer on the accounts. As used in this Disclosure, “Statement” means any periodic statement, billing notice, or other information related to your accounts, including but not limited to information that we are required by law to provide to you in writing. By agreeing to First New Mexico Bank, Las Cruces eStatement Disclosure, you have elected to have statements provided to you electronically. In so doing, you agree that we may provide you with any statement relating to any of your accounts in electronic format. We will discontinue sending paper statements to you, unless and until you withdraw your consent as described below. Your consent to receive electronic statements and transactions includes, but is not limited to: Periodic disclosures or monthly statements for your accounts; Notices or disclosures about a change in the terms of your accounts; Notice and disclosures that are required by regulation to be provided to you in writing Privacy Policies and Notices You may withdraw your consent to receive statements in electronic form for any of your accounts by contacting us at (575) 556-3000. Alternatively, you may write us at: First New Mexico Bank, Las Cruces3000 East Lohman Ave.Las Cruces, NM 88011 Withdrawal of your consent to receive electronic statements will be effective only after we have had a reasonable period of time to process your request. It is your responsibility to provide us with an accurate and complete e-mail address, contact and other information related to this Disclosure and your accounts. You should update us promptly with any changes to this information. You can update such information by contacting us at (575) 556-3000 or you may send written notification to the address listed above. We will not send you a paper copy of any statement on accounts where you have elected to receive electronic statements, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic statement by printing it yourself or by requesting that we mail you a paper copy. To request a paper copy, contact us by telephone at (575) 556-3000. We may charge you a reasonable service charge for the delivery of paper copies of any statements provided to you electronically pursuant to your authorization. Every month we will send an email notification, to the email address you provide, indicating an electronic version of your account documents is available to be viewed via a secure web site. You will be required to log-on to this site to authenticate your identity. All statements in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of your First New Mexico Bank, Las Cruces eStatements, this Disclosure and any changes to this authorization. Hardware and Software Requirements In order to access, view and retain electronic statements that we make available to you, you must have: Adobe Acrobat Reader 4.0 or above installed on your PC An e-mail account A personal computer with connectivity to the Internet and printer A printer The appropriate credentials to access First New Mexico Bank, Las Cruces Online Banking Federal Law You acknowledge and agree that your consent to electronic statements is being provided in connection with a transaction that is subject to the federal Electronic Signatures in Global and National Commerce Act and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means. APPLIES TO CONSUMER ACCOUNTS ONLY Dormant Accounts Checking accounts will be considered dormant if there has been no external activity within the past year.Savings accounts will be considered dormant if there has been no external activity in the last three (3) years.A Dormant Account Fee will be assessed each month. By law, these accounts will be transferred to the State of New Mexico Taxation and Revenue Dept. after five (5) years of inactivity if they are not reactivated or reclaimed by the depositor.To reclaim funds transferred to the State, depositors or their heirs must request the funds from and present proof of ownership to the State of New Mexico Taxation and Revenue Department, Division of Unclaimed Property, PO Box 25123, Santa Fe, NM 87504-5123. In Case of Errors or Questions About Your Electronic Transfers: Please telephone us at 575-556-3000 or write us at First New Mexico Bank, PO Box 429, Las Cruces, NM 88004 as soon as you can.If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. Tell us your name and account number (if any) Describe the error of the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred with 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign initiated transactions, we may take up to 90 days to investigate your complaint or question.For new accounts, we make take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation.If we decide there was no error, we will send you a written explanation.You may ask for copies of the documents that we used in our investigation. If your Name or Address has changed or is different than what is shown on your bank statement, please contact our New Accounts Department at PO Box 429, Las Cruces NM 88004.