Please read this Electronic Signature and Disclosure Consent Agreement (E-Sign Agreement) carefully and print or retain a copy for your reference. As part of your relationship with us, we want to ensure you have all of the information you need to effectively manage the application and processing of your loan and/or account. Our goal is to provide you with as many options as possible for receiving your documents and disclosures. We are required by law to give you certain information “in writing” which means you are entitled to receive it on paper. We may provide this information to you electronically, instead, with your prior consent. Please review this agreement as it applies to all required initial and subsequent documents, disclosures, and agreements related to your loan or account application. This agreement will be effective throughout the application process and for future transactions or communications until expressly withdrawn by you.
Electronic Delivery of Disclosures and Notices
By agreeing to the terms of the E-Sign Agreement, you are consenting to receive electronic communications, including but not limited to:
- Initial disclosures and agreements
- Subsequent documents, disclosures, and agreements associated with the application process
- Notices or disclosures about a change in terms of your loan or account
- Any and all communications to service your loan and/or account, including but not limited to:
– ACH stop payment request form
– Wire transfer forms and disclosures
– Loan documents and disclosures
Disclosures will be provided electronically following acceptance of this E-Sign Agreement. We may, at our sole discretion, provide you with any communication in writing, even if you have chosen to receive it electronically.
How to Update Your Email
You agree to maintain an active email address and must promptly notify us of any changes. To update your email address, contact River City Bank at 800-564-7144 or email us at [email protected]. If you do not maintain a current email address, we will have to discontinue electronic delivery of your documents.
How to Withdraw Consent
You may withdraw your consent to receiving electronic documents and disclosures at any time by contacting River City Bank at 800-564-7144.
Hardware and Software Requirements
By agreeing, you are confirming that your computer or electronic device meets the specifications and requirements listed below, and permit you to access and retain the disclosures and notices electronically. You will need:
- Internet Access
- A computer and internet browser that can support TLS v1.2 encryption
- A printer and/or sufficient hard-drive space or other media (e.g. flash drive) if you plan to save disclosures in an electronic format
- An active email address
- An internet browser, such as Internet Explorer® (Version 11.0 or higher), Firefox® (Version 62.0 or higher), Safari® (Version 11.0 or higher), or Google Chrome™ (Version 69.0 or greater).
We may revise hardware and software requirements from time-to-time and will notify you if there is a material risk that, based on the changes, you would not be able to access or retain your electronic records. You will have the opportunity to withdraw consent without the imposition of a fee.
You are responsible for the installation, maintenance, and operation of your computer or electronic device. We are not responsible for any errors or failures from any malfunction of your computer or electronic device, for any virus, other problems or changes that may be associated with the use of your computer or electronic device, including, for example, the cost of your Internet Service Provider.
Requesting Paper Copies
To request a paper copy of any disclosure, notice, or other document, contact River City Bank at 800-564-7144. The Bank will provide the first copy to you free of Bank fees or charges. We will charge you fees in connection with the delivery of additional such paper copies as disclosed in the applicable product or service fee schedule.
Consent
By providing your consent, you agree your electronic signature is the legal equivalent of your manual/handwritten signature for the application and this E-Sign Agreement. You are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email address. You also affirm you are authorized to enter into this agreement and agree to receive documents, disclosures, and agreements electronically.
Effective 10/22/19
