Disclosure and Consent to the Use of Electronic Communications

   1. Your Legal Rights:

Certain laws and regulations require us to provide specific information to you in writing, meaning you have a right to receive this specific information on a paper document. We may lawfully provide such information to you electronically, and not on a paper document, if we first present this eCommunications Disclosure & Consent and obtain your consent to receive the information electronically.

Since certain of our products or services are provided online and use electronic means to deliver some of this information, you must consent to this eCommunications Disclosure & Consent in order to use these services.

At times, we may still deliver to you paper communications, but we need to know that you are willing to receive communications electronically that we may otherwise be required to provide on paper and that you have the hardware, software, and technological expertise needed to access to this information.

   2. Types of Electronic Communications You Will Receive

You understand and agree that we may provide to you in electronic format only, by posting the information on the website where you access your accounts, products or services, through email (if applicable and if you have provided a valid email address), or other electronic means, agreements, disclosures, notices, and other information and communications regarding your accounts, services and products, the use of our websites or our other electronic services, your relationship with us, and other programs, products or services that are or may be in the future made available to you (collectively, “Communications”). Such Communications may include, but are not limited to:

• This eCommunications Disclosure & Consent and any updates;

   

• The End User Agreement, other service or user agreements for access to our  websites  or  other  electronic  services,  all  updates  to  these  agreements  and  all disclosures, notices and other communications regarding transactions you make through websites or our other electronic services;

   

• Disclosures, agreements, notices and other information related to the initiation of an account, product or service including, but not limited to, disclosures or notices that may be required by the Electronic Fund Transfer Act, Truth in Lending Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, or other applicable federal or state laws and regulations;

   

• Periodic statements, disclosures and notices relating to the maintenance or operation of an account, product or service including, but not limited to account information, account activity, account inactivity, or other statements, disclosures or notices that may be required by the Electronic Fund Transfer Act, Truth in Lending Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, or other applicable federal or state laws and regulations;

   

• Any  notice  of  the  addition  of  new  terms  and  conditions  or  the  deletion  or amendment of existing terms and conditions applicable to accounts, products or services you obtain from us;

   

• Our Privacy Policy, our Consumer Privacy Notice and other privacy statements or notices (by posting such notices on our website);

   3. Types of Communications You Will Receive in Paper:

This eCommunications Disclosure & Consent does not apply to any communications that we determine, in our sole discretion, that we are required to deliver in paper form under applicable law or that you should receive in paper rather than electronic form. Such communications shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement.

   4. Hardware and Software Requirements:

While you may be able to access and retain the Communications using other hardware and software, we currently support the following minimum requirements:

A personal computer, tablet, or a mobile phone with an operating system, access to the Internet using browsers such as the latest versions of Microsoft Edge and Google Chrome, ability to open and read a PDF file, and a valid email account.

In certain circumstances, some Communications may be provided by email. You are responsible for providing us with a valid email address to accept delivery of Communications. At our option, we may also post the emailed Communications within our websites. In this situation, you agree that once we email the Communications to you and post them within our websites, that we have delivered the Communications to you in a form that you can retain. To print or download Communications you must have a printer connected to your device or sufficient hard-drive or other storage space to store the Communications.

   5. Withdrawing Your Consent to this eCommunications Disclosure & Consent:

If you withdraw your consent to this eCommunications Disclosure & Consent, we may stop providing you with Communications electronically and we may terminate your online service access. Your withdrawal of consent is effective only after you have communicated your withdrawal to us by calling the appropriate customer service phone numbers and we have had a reasonable period of time to act upon your withdrawal. Your consent shall remain in force until withdrawn.

Applicable law or contracts sometimes require you to give us “written” notices. You must still provide these notices to us on paper. Your consent here does not relate to those notices.

   6. Obtaining Copies of Electronic Communications.

You may print or make a copy of Communications by using the “Print” button (or otherwise using your printing functionality) or saving a copy. You should do this when you first review the Communications because after submission we may not maintain the communications in an accessible repository. Upon request, we will provide you with a paper copy of any Communications provided electronically by us to you pursuant to this eCommunications Disclosure & Consent, provided we receive your request within a year from the date the Communication was first made available to you electronically. You may request a paper copy of these Communications by calling us at the below-listed customer service phone number. We may charge fees for paper copies of the Communications.

   7. Updating Your Contact Information:

In the event that your contact information changes, you must notify us of such changes immediately. For updates to your e-mail address, phone number, and your physical mailing address, you can update it via our online wire transfer interface. You can also update your email address, phone number, or any other contact information via by telephone at 1-800-670-8611 or by email at [email protected].

If you fail to update or change an incorrect or invalid e-mail address or other contact information, you understand and agree that any Communications shall nevertheless be deemed to have been provided to you if they were made available to you in electronic form on our websites, emailed to the email address we have for you in our records, or delivered through other electronic means.

   8. Retain Copies for Your Records:

We recommend that you print or download a copy of this eCommunications Disclosure & Consent, the applicable service agreement and all other Communications to retain for your permanent records.