The loan or deposit account for which you are applying involves various disclosures, records, and documents (“Documents”), including this Electronic Consent Agreement (“Agreement”). For purposes of this Agreement, “eDisclosures” means the Documents related to this Transaction that are provided electronically, “You” and “Your” mean the borrower(s) or accountholder(s) under the applicable loan or deposit account to which such Documents apply, and “Financial Institution”, “We”, “Our”, and “Us” mean The Killbuck Savings Bank Company who You are transacting business for such account(s). Electronic Signature “eSignature” means a digitized image of Your handwritten signature. “Sign” means applying Your signature.
You and the Financial Institution wish to enter into a financial transaction to open a loan or deposit account, or to modify an existing account (the “Transaction”). The purpose of this Agreement is to obtain Your consent to sign Documents related to this Transaction as an eSignature rather than in paper form. You agree that:
- You intend to sign each Document required in the Transaction with an eSignature.
- You intend that the eSignature is Your valid signature.
- You intend to sign only once and to have the Financial Institution electronically capture Your signature.
- You intend for the eSignature to be added to every place where Your signature is needed on the required Documents.
- You agree that the signed electronic Document(s) will be enforceable as any paper Document that You sign with handwritten ink signature.
- You agree that before You signed this Agreement or any Document(s) in this Transaction, Our employee explained the following to You:
- You will use the eSignature device that Our employee will provide to create an eSignature;
- After You sign the eSignature device one time, and after You sign this Agreement, Our employee will instruct You on where signatures are needed, and You will, by “clicking” in each space, add Your eSignature to every place where Your signature is needed;
- After You add Your eSignature, the Document(s) will show Your eSignature; and
- The Financial Institution will keep the signed Document(s) in electronic format.
- You and Our employee reviewed each of the Document(s) that require any signature, and
Our employee explained to You why each signature is required. - You were given a copy of each Document prior to signing this Agreement.
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.
- This Agreement is for the Transaction only, and You understand Your signature will not be used thereafter without Your additional consent.
- Your consent to Sign Documents for this Transaction electronically will apply to all Documents for the applicable accounts for which You are applying. Your consent remains in effect until you give Us notice that you are withdrawing it.
- If You do not consent to sign these Documents electronically, Our employee will provide You with paper documents to sign.
- You have the right to withdraw Your consent to sign with an eSignature at any time before You sign the electronic signature device for the transaction.