CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT
This agreement and disclosure (this “Agreement”) specifically governs this online loan request, as well as your consent to do business with us electronically, and to receive Disclosures regarding this loan request or service associated with this loan request. Please read this Agreement carefully before you consent and keep a copy for your records. You agree to be bound by all terms and conditions contained in this Agreement, which are in addition to the terms and conditions in our other agreements with you.
Definitions: In this Agreement, the plural form of a word also means the singular, and vice versa. “You,” “your,” or “yours” means each and every one who utilizes our Electronic Records. “Credit Union,” “we,” “us,” “our,” or “ourselves” means the Credit Union providing this Agreement to you. “Disclosure” means any disclosure or notice that we would normally provide to you in written form regarding this loan request. Examples of Disclosures include (but are not limited to) our loan and security agreement and disclosure statement, risk-based pricing notice, and adverse action notice.
Electronic Signature: You agree that your submission by electronic means of your application or of your consent and agreement to the terms and conditions of this Agreement is a manifestation of your intent and agreement to be bound by such terms and conditions. You further agree that such electronic submission has the same effect as though you physically signed this Agreement and that such electronic submission qualifies as your signature for all purposes. If there is a co-applicant, guarantor, co-signer or other party associated with this loan request, you represent and warrant that such party has authorized such electronic submission.
Consent: By consenting to the terms and conditions of this Agreement, you specifically agree that we may provide Disclosures to you electronically. However, we reserve the right to provide any Disclosure to you as a paper copy, rather than electronically.
Paper Copy: You may request a paper copy of any Disclosure we provide to you electronically under this Agreement by writing to us at P.O. Box 267, Tulsa OK 74101-0267, by calling us at 800.256.5626 or 918.610.0200, by emailing us at email@example.com, or by visiting any of our branches. We will not charge you a fee for any such paper copy.
Withdrawal of Consent: You may withdraw your consent and revoke your agreement to receive Disclosures electronically at any time by writing to us at P.O. Box 267, Tulsa, OK 74101-0267, by calling us at 800.256.5626 or 918.610.0200, by emailing us at firstname.lastname@example.org, or by visiting any of our branches. There are no fees for requesting to withdraw your consent to receive Disclosures electronically under this Agreement.
Hardware and Software Requirements: The minimum requirements to view Disclosures electronically are (a) Internet Explorer 8.0, Chrome 14, or Safari 2 and Adobe Reader 8.0 or higher; (b) hardware capable of running this software; and (c) a printer to print or the ability to save your electronic Disclosures. By consenting to the terms and conditions of this Agreement, you acknowledge that you can access electronic Disclosures in the designated formats listed in this section. If a change in the hardware or software requirements creates a material risk that you will not be able to access or retain subsequent Disclosures electronically, we will notify you of the revised hardware and software requirements. If you do not agree to the changes, you may withdraw your consent, and we will not impose any condition, consequence, or fee for such withdrawal.
Changes to your Email Address: You agree to keep us informed of any change in your electronic mail (“Email”) address. You may change your Email address by writing to us at P.O. Box 267, Tulsa OK 74101-0267, by calling us at 800.256.5626 or 918.610.0200, by emailing us at email@example.com, by visiting any of our branches, or by contacting us through online banking (if enrolled). If an Email is returned undeliverable, we may provide future Disclosures to you by mail at your address reflected in our records.
Consent for Electronic Disclosures & Electronic Signature of my Application
By clicking the Consent link below this box, I /we have received, read, and understood, and I/we hereby consent and agree to, the terms and conditions of this Agreement. Furthermore, I/we acknowledge that I/we can access electronic Disclosures in the designated formats described above.
By clicking the Decline link below this box, I/we do not consent to receive Disclosures electronically and I/we understand that, by withholding such consent, I/we agree to cancel this transaction.