Electronic Statements and Important Notices

Below is our Electronic Delivery of Statements and Important Notices outlined in our terms of service.

1) Electronic Statement Delivery (eStatement)

a) By choosing the electronic statement delivery method, you are requesting the Bank to deliver Periodic Statements electronically for one or more eligible Deposit Accounts, including business and consumer checking, money markets and savings accounts, Certificates of Deposit (CDs), or Loans selected now or in the future by you. Certain accounts may require electronic statement delivery; if you choose to stop electronic statement delivery for accounts requiring eStatements, paper statements will be provided starting with the next statement cycle and your account may be subject fees or changes.

b) If you have previously received paper statements and select eStatements, electronic only delivery will begin immediately following your selection to stop paper delivery of eligible Deposit Account and/or Loan statements.

c) If you have previously selected your paper statement for an Account to be combined with one or more other accounts, that combined statement will continue for such other accounts. The Account(s) you have selected for electronic only statement delivery will be delivered electronically as the combined statement.

d) If you request a paper copy of a periodic statement you may be charged a fee as disclosed in the Fee Schedule applicable to the account to which the statement relates at the time the request for a copy is made.

2) Important Notices

a) By selecting electronic delivery of your account or loan statements you also agree to receive any legal notices or other important information currently delivered with your paper statements (“Important Notices”) for your selected accounts. We may from time to time offer other legal notices through electronic delivery. Your request for Electronic Statement delivery is your acknowledgment that this selection governs the delivery of legal notices.

b) Examples of Important Notices that may be delivered electronically include, without limitation, Tax documents, including 1099s, 1098s, and other IRS required documents, Change of Terms notices, privacy statements, service notifications, and legally required notices under one or more of the following: Equal Credit Opportunity Act and Regulation B, Uniform Commercial Code, Electronic Funds Transfer Act and Regulation E, Truth in Lending Act and Regulation Z, Funds Availability Act and Regulation CC, Truth in Savings Act and Regulation DD, Federal Deposit Insurance Act, Internal Revenue Code and Fair Credit Reporting Act.

c) Important Notices will be available to you for at least 90 days after the original distribution date, if required by law, and if no such requirement for such period as we may determine at our discretion.

3) Electronic Document Delivery Notice

The notice that you will receive advising you that Electronic Documents have been posted to Online Banking will be by email sent to the email address associated with your Online Banking profile. This Alert Notice will be the only notice you will receive and no other notice will be sent. Any and all Alert Notices sent by Chesapeake Bank to the designated email address will constitute sufficient and effective delivery and notice to you and all Owners of information contained in your Electronic Records whether or not you access or review the Alert Notice, Website or specific Electronic Record, and shall be deemed to have been delivered to you personally, whether actually received or not. You agree to maintain access to Online Banking in a manner that gives you continuous ability to access, review, download and print your Electronic Records and to receive and access all Alert Notices to you at the designated email address.

4) Check Storage and Copies

For accounts with check access: Once the Electronic Delivery has been selected, you will no longer receive a paper copy of your paid and cancelled checks. The Bank has no obligation to store the original of any cancelled check. Cancelled checks and other items will be deemed received on the day the relevant statement is made available to you electronically. You agree that our Deposit Account statements provide sufficient information to determine the authenticity of all your transactions, including whether any are forged, altered or unauthorized. Whether or not you receive your original cancelled checks does not waive or alter your responsibility to examine your Account statement and report any error or discrepancies in accordance with applicable law and the Account Disclosures. You may request the Bank to provide a copy of your cancelled checks, subject to any research or check copy fees, as disclosed in the Fee Schedule.

You may obtain any copies of Statements, canceled checks or Important Notices through the secure messaging system in Online Banking, by calling your local branch or the Solution Center at 877-436-9032.

5) Termination of Electronic Delivery

You or the Bank may terminate this Service at any time upon written or verbal notice to the other. You may also terminate electronic delivery for any enrolled accounts through the “Manage Enrollment” option in the menu. Statements and Important Notices previously provided to you electronically will not be mailed to you upon termination. If you need additional help, please contact your local Branch or call the Solution Center at 877-436- 9032.

**Revised 2/11/2026