Please read this information carefully and print a copy and/or retain this information electronically for future reference.

Introduction.  In this Consent to Electronic Signatures, Records, and Disclosures (“Electronic Consent”), “you” and “your” mean each applicant; “we,” “us,” and “our” mean

We need to provide you with certain services, disclosures, and other information concerning your relationship with us. To deliver these services, we will provide disclosures and information to you in an electronic format.  Before we do, you must first read this Electronic Consent and agree to conduct your relationship with us electronically.  This means you agree to use electronic signatures and records and to receive disclosures and information in an electronic form. Your Electronic Consent allows us to give you federal and state disclosures concerning your relationship with us in the electronic format described below and to communicate with you electronically.

Scope of Consent. In using this website,, and our service, you may review, acknowledge, sign or receive certain electronic documents (“Records”). These Records may include, but are not limited to: any notices such as an adverse action notice or privacy policy notice. Your Electronic Consent applies to your use of our website and any transaction with us which gives rise to our obligation to provide the Records you will receive from us electronically through this website or the email address you provided. By clicking “Agree” below, you acknowledge receipt of this Electronic Consent and agree to the electronic delivery of Records at this website or to the email address you provide to us.

Hardware and Software Requirements. Before agreeing to receive Records electronically, you must determine if you have the necessary hardware and software to access and retain these Records electronically. To access your Records, you will need:

  • Internet access with 128-bit encryption
  • An active email account
  • Adobe Acrobat Reader version 7 or higher
  • Ability to print and/or download and store documents.

If these requirements change while you have an active relationship with us, and the change creates a material risk that you may not be able to receive Records electronically, we will notify you of these changes.

Right to Withdraw Consent and Procedures for Withdrawal.  You may withdraw this Electronic Consent at any time electronically by emailing and withdrawing your consent . Your withdrawal of consent will be effective as soon as possible, but no later than 5 business days after we receive a request as provided above.  If you decide to withdraw your consent, the service cannot be provided to you, but the withdrawal will not affect the legal effectiveness, validity, and enforceability of prior electronic Records.

Change to Your Contact Information: You agree to tell us if you change your email or mailing address by emailing us at

Right to Paper Records and Copies of Records. You have the right to have to have the Records provided to you in non-electronic form. If you wish to obtain the Records in paper form, contact by emailing A paper copy of the Record will be provided to you at no charge.
By clicking the “Agree” button below:

  • You acknowledge that you have read and understand this Electronic Consent;
  • You confirm that you have the required hardware and software to receive electronic Records;
  • You confirm that you are able to access and retain the Records; and
  • You consent to receiving Records electronically, to using electronic signatures to execute documents, and to transacting electronically.



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Version 10.3.2022