Online Banking Disclosures & Agreement

ONLINE SERVICES REQUEST & AGREEMENT TO RECEIVE INFORMATION ELECTRONICALLY

Thank you for your interest in Mountain National Bank’s Internet Banking Services. Banking
online allows you to view your accounts at your convenience, 24 hours a day, seven days a
week. You will be able to make account transfers between MNB accounts, and make MNB loan
and credit card payments. The following agreement will help make Internet Banking even more
convenient by allowing us to electronically send your agreements, disclosures, changes, updates
and other useful information. Clicking the "Agree" button at the bottom of the page will allow you
to receive the necessary disclosures electronically, and to proceed with your enrollment for
Internet Banking access.

By continuing with your request to enroll for Internet Banking Services, you agree that we may
provide you with this Agreement and any revisions and amendments to this Agreement in
electronic form. If you choose to accept, you are consenting electronically to enter into an
Agreement that will govern all future transactions you conduct using the Internet Banking
Services, and that you agree to be bound by its terms.

The minimum system requirement that will enable you to use the Internet Banking Services and
to receive this Agreement and any future information related to the Services, is a secure
domestic browser with 128-bit encryption (the ability to read a secure, encrypted site) such as
Netscape Navigator (version 4.0 or higher), America Online (version 4.0 or higher) or Microsoft
Internet Explorer (version 4.0 or higher). You can use any computer with a modem that accesses
the Internet, but it must be a Windows or Macintosh operating system. You will need the
Adobe Acrobat Reader program in order to read some future information, including account
alerts that you may request. If you do not have Acrobat Reader, you may click here to download
a free copy.

From time to time we may need to convey information to you about our services or certain
information that we are required by law or regulation to provide to you in writing. By selecting the
"Agree" button below, you agree that we may provide such information to you electronically. This
might include, for example, revisions and amendments to this Agreement or other
information in connection with these services, including (but not limited to) information under
Regulation E and other applicable banking or financial services laws or regulations.

Please regularly update your contact information so that we may send electronic (email)
messages to you as needed, in conjunction with this Agreement. To do so, choose the “My
Profile” menu option from the toolbar and then “Change Profile Information”. If you wish at any
time to withdraw consent to receive information electronically or to terminate these services, you
may call us at (865) 908-1600, use the envelope icon on the toolbar to send a Secure Message
once you are logged into your account, or send a letter to us at:

Mountain National Bank
Internet Banking
PO BOX 6519
Sevierville TN 37864

You may print and retain a copy of this Agreement (see link below) and/or any future information
that we send electronically. If you prefer, you may also obtain a copy of this Agreement, any
amendments to it, and other communications about Internet Banking Services in
paper form at no charge by writing or calling us at the address and telephone number listed
above.