This American Bank E-Sign Disclosure ("Disclosure") applies to the residential real estate or consumer loan that you have requested. The words "we," "us," and "our" means American Bank and the words "you" and "your" means you, the individual(s) who have applied for the loan.
As used in this Disclosure, "communication" means any authorization, agreement, disclosure, notice, or other information related to your residential real estate or consumer loan, including but not limited to information we are required by law to provide to you in writing.
When you select "Yes, I agree to receive disclosures via e-mail," you agree that we may provide you with any communications relating to your residential real estate or consumer loan in electronic format. You agree that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications includes:
All communications that we provide to you in electronic form will be provided via email to the email address you specify on this disclosure.
You may withdraw your consent to receive communications in electronic form by contacting us via email at firstname.lastname@example.org or by telephone at 254-412-2000. We may treat your provision of an invalid e-mail address or the subsequent malfunction of a previously valid address as a withdrawal of your consent to receive electronic communications. We will not impose any fee to process the withdrawal of your consent to receive electronic communications. Any withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal.
It is your responsibility to provide us with true, accurate and complete email address, contact, and other information related to this Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update such information (such as your e-mail address) by sending us a secure message within our Online Banking or by telephone at 254-412-2000 or by visiting your nearest branch. Please include your name, existing information, and updated information.
In order to access, view, and retain electronic communications that we make available to you, you must have:
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We will not send you a paper copy of any communication from us, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic communication by printing it yourself or by requesting that we mail you a paper copy, at no charge to you. To request a paper copy, contact us via email at email@example.com or by telephone at 254-412-2000.
All communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure, your initial authorization to receive e-mail disclosures, any changes to that authorization, and any other communication that is important to you.
You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
We reserve the right, in our sole discretion, to discontinue the provision of your electronic communications, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such termination or change as required by law.