E-Sign Act Disclosure and Consent for Online Business Applications

Scope of your consent 

By creating an account, you are agreeing that you have reviewed the following disclosure and you consent to: 

• conduct business related to your online business applications using electronic communications; 
• receive electronic delivery of any document or communication, including any agreement, term, authorization, disclosure, notice, or other document related to your online business applications (“document(s) or communication(s)”), including any document or communication we are required to provide to you in writing; 
• record your consent to any document or communication electronically;  and 
• use your electronic signature to sign any document or communication instead of signing paper documents.

You understand that your electronic consents and signatures are legally binding, just as if you had signed a paper document.

You may decline to complete this transaction electronically by not checking the box accepting this E-Sign Consent.  If you do not accept this E-Sign Consent, you may not proceed with your online business applications. 

This consent to conduct business electronically applies only to a document or communication pertaining to your online business applications.

Method of Providing Documents and Communications to You in Electronic Form

Certain documents or communications may be viewed electronically within your online business applications and hub and may be saved by printing paper copies, downloading and saving electronic copies, or storing the hyperlink on your computer. 

Additionally, we may deliver certain documents or communications to you by any of the following methods: (a) by sending a notice to an email address you have provided us and making the document or communication available to you through your online business applications and hub; or (b) by sending the document or communication to an email address you have provided us; or (c) to a wireless device you have designated; or (d) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose; or any other electronic means we have mutually agreed upon. 

Delivery of electronic documents or communications by any of these methods will be considered “in writing” and you intend that the electronic documents or communications have the same legal effect as written and signed paper documents or communications.

How to Withdraw Your Consent; Consequences of Withdrawing Consent

You have the right to withdraw your consent at any time. Please be aware, however, that withdrawal of consent will result in the termination of your access to online business applications. 

To withdraw your consent, contact your Lender at the phone number or email provided for your Lender in the “Need Assistance?” box in your online business applications or hub. 

Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.

Hardware and Software Requirements 

In order to conduct business electronically related to your online business applications, you must have:

A computer, mobile device, or other electronic device with internet access and

• A current-version of a widely-used secure internet browser with 128 – bit encryption; 
• A program that reads and displays PDF files such as the free Adobe Reader; and 
• An active email address. 

To print and save your document or communication in electronic form or paper form using your computer, you will need: 

• A hard drive or other storage device (to download and save electronic copies); or
• A printer (to print paper copies).

To print and save your document or communication in electronic form or paper using your mobile or electronic device, you will need: 

• An electronic device capable of taking a screenshot that can be printed or saved (to save electronic copies); or
• A printer capable of printing the screen shots on your mobile or electronic device (to print paper copies). 

You will be notified of any changes to the hardware and/or software requirements that may create a material risk that you will not be able to receive, view, print or save a document or communication.

You Must Keep your Email Address Current with your Lender

You are responsible for informing your Lender of any change in your email address. You can update your email address within your online business applications or hub.

By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review documents and communications in electronic form, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the other authorized representatives, signers, or users identified with your online business application or hub.