Lending E-Sign Consent and Disclosure

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.

The Scope of Communications to Be Provided in Electronic Form

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 legal and regulatory disclosures and communications associated with your residential real estate or consumer loan,
  • Real Estate Settlement Procedures Act (RESPA) disclosures,
  • Regulation Z (Truth In Lending) disclosures,
  • Appraisals, and
  • Privacy policies or notices.

Method of Providing Communications to You in Electronic Form

All communications that we provide to you in electronic form will be provided via email to the email address you specify on this disclosure.

How to Withdraw Consent

You may withdraw your consent to receive communications in electronic form by contacting us via email at esign@ambankwaco.com 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.

How to Update Your Records

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.

Hardware and Software Requirements

In order to access, view, and retain electronic communications that we make available to you, you must have:

  • A personal computer, operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing, communications received in electronic form from us;
  • Internet browser – currently supported or prior major release of Internet Explorer, Fire Fox, Safari for Apple/MAC users only, and Google Chrome;
  • Adobe Acrobat Reader 8.0 or higher;
  • An e-mail account with Internet service provider and e-mail software in order to participate in our electronic communications programs.

Adobe Acrobat Reader Verification

Verification Code

Can you see the verification code above? If not, please download Adobe Acrobat Reader.

Adobe Reader

Requesting Paper Copies

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 esign@ambankwaco.com or by telephone at 254-412-2000.

Communications in Writing

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.

Federal Law

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.

Type your name in the box below to represent your electronic signature

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