I consent to the Financial Institution and its agents and representatives:

1. using my personal information, from time to time, to better understand my needs and determine the suitability of products and services for me, to determine my eligibility for these products and services, to develop and enhance products and services, and to ensure high service standards;

2. using my personal information, from time to time, for marketing purposes, such as providing me with information by mail or in person about the Financial Institution, including its products, services, and/or community activities that may be of interest to me;

3. disclosing my personal information, from time to time, to market research firms for the purposes of analysis and/or conducting surveys;

4. disclosing my personal information, from time to time, to Financial Institution affiliates and other carefully selected organizations, such as third-party service providers, for marketing purposes, such as providing me with information by mail or in person about products, services, and/or community activities that may be of interest to me; and

5. with respect to the Financial Institution only, communicating with me for the marketing purposes described above by Commercial Electronic Message (meaning a message sent by any means of telecommunications, including email, voice, sound, text, or image message to an electronic address). I understand that I can withdraw my consent to the Financial Institution communicating with me by Commercial Electronic Message. I understand that some forms of Electronic Messages may result in me being charged a fee by third party service providers, such as fees charged by my cell phone provider for domestic or international text messages, and I agree that the Financial Institution shall not be liable or responsible for those costs, which will be borne by me.