E Consent Form

Your Consent To Do Business Electronically (the eDisclosure Agreement)

The deposit account for which you are applying involves various disclosures, records, and documents ("Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain your consent to receive certain Documents from us in electronic form rather than in paper form. With your consent, you will also be able to sign and authorize these Documents electronically, rather than on paper.

Before we can engage in this transaction electronically, it is important that you understand your rights and responsibilities. Please read the following and affirm your consent to conduct business with us electronically. For purposes of this eDisclosure Agreement, "eDisclosures" means the Documents related to this transaction that are provided electronically, "You" and "Your" mean the customer(s) under the applicable deposit account to which such Documents apply, and "We", "Our" and "Us" mean the applicable banker(s) with whom You are transacting business for such deposit account(s).

YOUR CONSENT

  • Your consent to participate in this transaction electronically will apply to all Documents for the applicable deposit accounts for which you are applying. If you provide your consent by signing below, we may conduct this transaction electronically as necessary, instead of providing you with the Documents in paper form.
  • If a document related to your deposit account is not available in electronic form, a paper copy will be provided to you free of charge.
  • Conducting this transaction electronically is an option. If you choose not to accept receipt of eDisclosures, paper Documents will be mailed to you.
  • If you do not consent to receive these Documents electronically, you will be provided with copies of the Documents in paper form. Additionally: You will not be required to pay a fee for receiving paper copies of the Documents.

WITHDRAWAL OF CONSENT

  • You have the right to withdraw your consent at any time. By declining or revoking your consent to receive eDisclosures, we will provide you with the Documents in paper form.
  • If you originally consent to receive eDisclosures, but later decide to withdraw your consent, you can do so by notifying us at:
    Phone: 336-246-4344
    Physical Address: 21 E Ashe St, West Jefferson, NC 28694.
  • If you originally consent to receive eDisclosures, but later withdraw your consent: You will not be required to pay a fee for withdrawing consent and receiving paper copies of the Documents.

OBTAINING PAPER COPIES

  • After your consent is given, you may request from us paper copies of your Documents. Please send this request to us at:
    Phone: 336-246-4344
    Physical Address: 21 E Ashe St, West Jefferson, NC 28694
  • If you request paper copies of the Documents: You will not be required to pay a fee for receiving paper copies of the Documents.

SYSTEM REQUIREMENTS

  • In order to receive eDisclosures, you must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of your eDisclosures for your records.
  • If the software or hardware requirements change in the future, and you are unable to continue receiving eDisclosures, paper copies of such Documents will be mailed to you once you notify us that you are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify you before such requirements change. If you choose to withdraw your consent upon notification of the change, you will be able to do so without penalty.

HOW WE CAN REACH YOU

  • You must promptly notify us if there is a change in your email address or in other information needed to contact you electronically. You can contact us at:
    Phone: Phone: 336-246-4344
    Physical Address: 21 E Ashe St, West Jefferson, NC 28694
  • We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event your email address on file is invalid; your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in your computer, browser, Internet service and/or software; or for other reasons beyond our control.