Notice and Agreement Regarding Consent to Use Electronic Signatures and Records

To use electronic signatures and receive documents electronically in connection with your use of this platform (Platform), you must read and consent to the terms outlined in this document, which require your ability to access and retain electronic Documents. This eConsent, if you provide it, applies to your use of the Platform on any Access Device, including a desktop, laptop, tablet, mobile, or other electronic device, and to any Document we provide to you in electronic form. If you provide eConsent, we will be able to provide electronic Documents to you within this Platform, in other portals, and/or through other methods we may use for delivery of electronic Documents.

Please note these additional definitions: We, our, and us means FNBO and its affiliates, successors, and assignees. You and your means the person providing this eConsent, authorized signer, authorized representative, delegate, and/or service user. Documents may include messages, notices, disclosures, consents, authorizations, acknowledgments, and terms and conditions, whether required by law or otherwise.

Scope of your eConsent

We must, due to legal and other requirements, provide you with certain Documents in writing. In addition, you may need to sign certain Documents. Your eConsent will apply to all of the Documents transmitted, received, delivered, and/or signed by you and by us in connection with your use of this Platform for this mortgage application.

Right to have a paper version of your Documents

We are required to give you certain Documents “in writing.” This means you are entitled to receive a paper version of the Documents. While we may provide Documents to you electronically with your prior consent, you are not required to provide eConsent. If you do not provide eConsent, we will deliver a paper version of the Documents to you by mail or in person, and you will have to receive, transmit, and sign a paper version of the Documents.

If you provide eConsent, your Documents will be delivered electronically so that you can access the Documents and retain them for future access. The Documents will be accessible electronically until the closing of any loan you obtain in connection with your use of this Platform or until you are no longer active on this Platform. If you want to ensure that you continue to have access to the Documents, you must save them onto an Access Device or external storage device.

Note that you have the right to receive a paper version of your Documents, even if you have provided eConsent and we deliver the Documents within the Platform.If you want a paper version of the Documents, you may request this by contacting your loan representative. In addition, we may, at any time, in our sole discretion, provide you with or require you to use a paper version of the Documents, even if you have provided eConsent.

Right to withdraw your eConsent

If you have provided eConsent, you have the right to withdraw your eConsent at any time and instead receive a paper version of your Documents. If you decide to withdraw your eConsent, do so by contacting your loan representative. Your eConsent withdrawal will become effective after we have had a reasonable opportunity to act upon it.

Obligation to update your email address

You must provide us with your own valid and current email address where you can receive email, access hyperlinks, and access electronic Documents. You must ensure that we always have your valid and current email address, even if you have provided eConsent and we deliver your Documents electronically. To update your email address or other contact information, contact us.

Hardware and software requirements

Before providing eConsent, you must ensure that the hardware and software of any Access Device(s) you use meet the requirements below:

Internet browser – Current Version of Google Chrome, Microsoft Internet Explorer, Mozilla Firefox, or Apple Safari, with 128-bit encryption; “Current Version” means a software version currently supported by its publisher
Internet access – 1.5 Mbps per second or better
Operating system – Windows 7 or Mac OS 10.9 +, or Current Version of either
Disc space – Sufficient memory on Access Device or external storage device to retain Documents
Adobe Acrobat Reader DC or Current Version - PDF reader – If you do not have a PDF reader, you may download one at: https://get.adobe.com/reader/
Printer - Installed printer to print disclosures
SSL Encryption

Any tablet, mobile, or other device you use must meet the following additional requirements, as applicable:

iPhone, 2014 or newer, iOS – Either of latest two fully-patched versions
iPad, 2014 or newer, iOS – Either of latest two fully-patched versions
Android phone, Android OS – Either of latest two fully-patched versions

Changes to this Notice Regarding Consent to Use Electronic Signatures and Records, including changes to hardware or software requirements

We will notify you if there are changes to the terms of your eConsent or to the hardware or software requirements that could materially affect your eConsent or your ability to access or retain your Documents. The notice may require you to reaffirm your eConsent and your ability to access and retain electronic Documents, or may indicate that you can reaffirm your eConsent by continuing to access your Documents electronically. The notice will remind you of your right to withdraw your eConsent, and how to do so if you choose that option.

Obligation regarding change of Access Device

If you change your Access Device during the loan application process, it is your responsibility to ensure that the new Access Device meets the hardware and software requirements listed above and that you are still able to access and retain Documents using the new Access Device. By continuing to access your Documents within the Platform, you reaffirm your eConsent.

By clicking on the “I have read and consent” button below, you provide your eConsent and indicate your agreement to and confirmation of the following:

I am able to access these terms regarding eConsent.
I consent to sign and receive Documents electronically in place of paper documents. My electronic signature has the same effect as if I were to sign in ink.
I have reviewed the hardware and software requirements, and agree that my Access Device(s) meet these requirements. I understand that it is my responsibility to ensure that any Access Device(s) I use in the future meet these requirements.
I have provided my lender with my own valid and current email address, where I can receive email, access hyperlinks, and access electronic Documents. I will ensure that my lender always has a valid and current email address for contacting me.
My eConsent applies to all of my activities within the Platform.