ELECTRONIC DELIVERY DISCLOSURE NOTICE

This consent for electronic delivery applies to all required disclosures and notices regarding your Amboy Direct account(s). In order to open your account on-line, you must accept electronic delivery of account opening disclosures and periodic statements. Electronic acceptance of account periodic statements means that Amboy Direct will not mail them to you unless requested. To request a mail statement, you must write to Amboy Direct at Amboy Direct at 3590 U.S. Highway 9 South, Old Bridge, NJ 08857 or at amboydirect@amboybank.com. You may withdraw consent for electronic delivery of periodic statements, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal. To withdraw consent you must write to Amboy Direct at 3590 U.S. Highway 9 South, Old Bridge, NJ 08857 or at amboydirect@amboybank.com. The minimum hardware and software requirements to accept and retain the above electronic disclosure are defined by your ability to operate one of the following two Internet browsers: Microsoft Internet Explorer version 4.0 or higher, Netscape Navigator version 4.0 or higher and Adobe® Acrobat® Reader version 4.0 or higher. By clicking the Accept button below, you agree to accept electronic delivery of account opening disclosures and periodic statements and you acknowledge that you can view and retain this information.