BANK OF THE WEST ELECTRONIC CONSENT

Recommendation: Read this document carefully and print or download a copy for your records.

This Electronic Consent and the Online and Mobile Service Agreement, together with any associated disclosures, agreements, e-mails and other communications and documentation, whether provided electronically or on our Website, constitute the entire agreement with respect to our Online and Mobile Service and Online Investing Services, as applicable. As used in this Electronic Consent, the terms "Company," "us," "we," or "our" means Bank of the West, BancWest Investment Services or any affiliated entity that provides you with Online and Mobile Services and any agent, independent contractor, designee or assignee that we may, at our sole discretion, involve in the provision of the Online and Mobile Service; "Customer," "you," or "your" means: (1) an individual or entity that is an Owner of an Account, (2) an Authorized Representative & Signer of a business, (3) a business Account signer, (4) an Enrollee, (5) a party-in-interest to an Account (such as a co-trustee of a trust Account), or (6) an individual authorized by an Owner or an Authorized Representative & Signer to view Account information and/or effect transactions in an Account. Capitalized terms used herein but not otherwise defined herein have the meanings ascribed to such terms in the Online and Mobile Service Agreement.

By enrolling in the Online and Mobile Service, you consent to receive Electronic Communications. "Electronic Communications" means (i) this Electronic Consent; (ii) the Online and Mobile Service Agreement; and (iii) any disclosures, agreements, e-mails and other documentation and communications which we provide to you electronically concerning the Online and Mobile Service and/or each Account enrolled in the Online and Mobile Service, including, without limitation, Electronic Fund Transfer disclosures and any other disclosures required by law or regulation.

You further agree:

• That access to and use of the Online and Mobile Service is available only if you accept this information electronically. You do not have the option to agree to this Electronic Consent or to the Online and Mobile Service Agreement by paper (non-electronic agreement) even though we agree to make a paper copy available to you.
• That you may withdraw consent to receive Electronic Communications at any time; however doing so will terminate your ability to access or use the Online and Mobile Service.
• That upon request, we will provide you with a paper version of agreed upon Electronic Communications. You will not be charged a fee for the paper version.
• To maintain a current and valid e-mail address for the Online and Mobile Service. To do so, log in to Online Banking and click on the "My Profile" link. Click on "Email Address".
• That if you want a paper version of any Electronic Communication, wish to withdraw your consent to receive Electronic Communications, or wish to update the information needed to provide Electronic Communications to you, you must contact us in one of the following ways: (1) by telephone at (800) 488-2265, Option 3; (2) by TTY (800) 659-5495; (3) by writing to Bank of the West, P.O. Box 2573, Omaha, NE 68103; or (4) by e-mailing us at onlinebanking@bankofthewest.com.
• That in order to receive Electronic Communications and to optimize your use of the Online and Mobile Service, you will need to use any of Microsoft Edge^®, Apple Safari^®, Google Chrome^™ or Mozilla Firefox® as a web browser. To receive an Electronic Communication from us by Mobile Device, your Mobile Device must be web-enabled and/or capable of receiving text messages. For best performance we recommend using a recent version of a supported web browser. In order to keep copies of Electronic Communications, you will need to have access to a printer and/or have the ability to download information.
• That to access your Online Statements through the Internet, you will need the current version of Adobe Acrobat® Reader to enable you to read documents in PDF.
• That each Deposit Account that is accessed through the Online and Mobile Service is subject to the applicable Deposit Agreement, as amended from time to time. Each Loan Account that is accessed through the Online and Mobile Service is subject to the applicable Credit Agreement, as amended from time to time. Each Investment Account that is accessed through the Online and Mobile Service is subject to the BancWest Investment Services Terms and Conditions Agreement, as amended from time to time.

Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, Member FINRA/SIPC, and SEC Registered Investment Adviser. BancWest Investment Services, Inc. is a subsidiary of BMO Harris Bank N.A. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency and/or through BancWest Investment Services, Inc. in all the states where they are licensed to do business. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. BancWest Insurance Agency is a trade name of BancWest Investment Services, Inc.

BMO Harris Bank N.A. and its various affiliates and subsidiaries are not tax or legal advisors.

Investment, Annuity and Insurance Products: