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Consent for Electronic Signatures, Records, and Disclosures ("E-Consent") & Telephone Communications

Introduction

You are submitting a request to be matched with one of our third-party lenders and/or service providers. The third-party lenders and/or service providers need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”), along with being contacted via telephone. This form notifies you of your rights when receiving electronic disclosures, notices, and information, along with telephone communications. By clicking on the link assenting to our terms, you acknowledge that you received this notice and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (“Disclosures”), along with being contacted via telephone.

Option for Paper or Non-Electronic Records

You may request any Disclosures in paper copy by contacting PayPossible, the third-party Lender and/or the service provider directly. PayPossible, the Lenders and/or the service providers will provide paper copies at no charge. PayPossible, the Lenders and/or service providers will retain all Disclosures as applicable law requires. To obtain a paper copy from PayPossible, please email us at [email protected] with your request. In order to obtain a paper copy from a third-party Lender and/or service provider, please contact the third-party Lender and/or service provider directly.

Scope of Consent

This E-Consent applies to all interactions online concerning you, PayPossible, and the third-party Lender and/or the service provider and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, PayPossible, the third-party Lender and/or the service provider may process your information and interact during all online interactions with you electronically. PayPossible, the Lender and/or the service provider may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third-party Lenders’ and/or service providers’ websites, and may be provided by e-mail. Consenting to Do Business Electronically. Before you decide to do business electronically with PayPossible, the third-party Lender and/or the service providers, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to PayPossible, the third-party Lender and/or the service providers.

Withdrawing Consent

Your E-Consent for our matching service and for our third-party Lenders’ and/or service providers’ consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more third-party Lenders and/or service providers, you are free to withdraw your E-Consent with PayPossible, those third-party Lenders and/or service providers at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the Lender and/or service provider. Contact PayPossible, the third-party Lender and/or service provider directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information

You should keep PayPossible, third-party Lenders and/or the service providers informed of any change in your electronic address or mailing address. You may update such information by logging into PayPossible’s, the third-party Lender’s and/or the service provider’s website or by sending PayPossible, the Lender and/or the service provider a written update by mail.

Telephone Consent

I hereby consent to receive autodialed and/or pre-recorded calls from PayPossible, our third-party lenders and/or service providers, or on behalf of, at the telephone number provided above, including my wireless number, if applicable, even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list. I understand that consent is not a condition of purchase. YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT

BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE THIRD-PARTY LENDER AND/OR SERVICE PROVIDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD-PARTY LENDERS AND/OR SERVICE PROVIDERS OVER THE INTERNET.

CITIZENS PAY E-CONSENT

CONSENT TO ELECTRONIC TRANSACTIONS AND COMMUNICATIONS. I agree to receive all terms and conditions related to, and evidencing, my line of credit, and any related federal or state disclosures, including my monthly statements, electronically (together “Disclosures”). I also agree to electronically acknowledge (e-sign) all Disclosures and other agreements and consent forms. I agree that the Disclosures and communications I have with Citizens about the Citizens Line of Credit, including this disclosure and Citizens’ privacy notice, will be provided electronically. I understand that I have a right to a paper copy of the Disclosures. I must contact Citizens at 1-888-522-9881 in order to do any of the following: (i) withdraw my consent to future electronic disclosures and communications (ii) request a free paper copy of any electronic disclosures/communications or (iii) to update my e-mail address.


Hardware and Software Requirements: In order to view the disclosures and communications you will receive from Citizens, you must have: (i) an electronic device equipped with a connection to the Internet; (ii) an Internet web browser which is capable of supporting HTML and 128-bit SSL encryption and be JavaScript™ enabled; (iii) Adobe Reader version 7.0 or higher (If you do not have Adobe Reader, you may download a free copy at https://get.adobe.com/reader/); and (iv) an HTML enabled email account. To retain a copy of these electronic communications, you will need to be able to either download electronic copies to your computer or an attached storage device (such as a disk or USB storage device), or print copies on a printer attached to your computer.

FORTIVA RETAIL CREDIT - CONSENT TO RECEIVE ELECTRONIC DISCLOSURES

Please read the following information carefully and retain it for future reference.

DEFINITIONS: The words "we“, "us“, and "our“ mean The Bank of Missouri, including any successor, assignee or agent of creditor, and the words "you“ and "your“ mean the individual that submitted a Prequalification Form for credit. "Disclosures“ means any information that we are required by law to provide to you in writing in connection with your Account. Disclosures include any credit agreement, periodic statement, privacy notice, adverse action notice or other notice that we may provide to you electronically.

CONSENT: By submitting a prequalification request, you agree that we may provide Disclosures to you electronically.

METHOD OF ELECTRONIC COMMUNICATION: All Disclosures that we provide to you electronically will be provided either (i) directly to any email address you provide on your Prequalification Form (or any updated address you provide later) or (ii) on our website. If Disclosures are provided on our website, we will give you our appropriate website address in advance and send an email or regular mail notice if that address changes.

PAPER COPIES: You may request a paper copy of any Communication by calling 1-800-710-2961 or emailing us at [email protected]

HARDWARE AND SOFTWARE REQUIREMENTS: Before you consent, you should consider whether you have the required hardware and software capabilities described below. To access, view and retain Disclosures, you will need:
A valid working email account; and
Access to a computer, operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying and either printing or storing Disclosures electronically.

CHANGES: We will notify you of any changes to these requirements that create a risk that you may not be able to receive Disclosures electronically.

WITHDRAWING CONSENT: You are free to withdraw your consent to receive Disclosures electronically at any time by calling 1-800-710-2961 or emailing us at [email protected] If you withdraw your consent, the legal effectiveness, validity and/or enforceability of prior electronic Disclosures will not be affected. Any such withdrawal will be effective only after we have a reasonable period of time to process your withdrawal. We will not charge you a fee for withdrawing your consent.

CHANGE TO YOUR CONTACT INFORMATION: You agree to inform us immediately of any change in your email address by calling 1-800-710-2961 or emailing us at [email protected]

ACKNOWLEDGING YOUR ABILITY TO ACCESS DISCLOSURES: By submitting the Prequalification Form, you acknowledge that you can access Disclosures in the formats described above.