Electronic Signature Act Disclosure

"You" and "Your" mean each applicant. "Us", "Our", or "We" means Frederick County Bank.

Under Federal law, you may receive certain written disclosures in electronic form. To receive such disclosures and the FCB Online Banking and Bill Pay Agreement and Disclosure in electronic form, you must read the following information and provide us with your consent to receive such information by electronic form. After you have read the following material and wish to consent, please click on "I Accept" at the bottom of this page. If you do not wish to consent to receive the information by electronic form, please click "I Do Not Accept" at the bottom of the page and you will be returned to the our website's homepage; however, you will not be able to register for or use FCB Online Banking and Bill Pay.

• If you do not consent to receiving information by electronic form, click here to download and print an Adobe Acrobat (printer friendly) version of the file. If you consent to receiving information by electronic form and you wish to obtain a paper copy, you may click on the link in the first paragraph ("Acceptance of Agreement and Signature") of the FCB Online Banking and Bill Pay Agreement to download an Adobe Acrobat (printer friendly) version of the file, or call a Frederick County Bank Customer Service Representative at 301-620-1400.

• Your consent to receive the FCB Online Banking and Bill Pay Agreement and electronic Federal disclosures included therein applies only to your enrollment for FCB Online Banking and Bill Pay.

• Your first use of FCB Online Banking and Bill Pay confirms acceptance of the terms and conditions included in the FCB Online Banking and Bill Pay Agreement and Disclosure.

• In order to receive and view the disclosures and information sent by electronic form and to access FCB Online Banking and Bill Pay functions on the website, the user must have an Internet browser that supports 128-bit encryption. Examples of these are Internet Explorer version 5.0 or above and Netscape Navigator version 4.72 and above.

I Accept                                                     I Do Not Accept

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