E-Sign Disclosure

YOUR CONSENT TO DO BUSINESS ELECTRONICALLY

(eDisclosure Agreement)

The Account for which you are applying involves various disclosures, records, and documents (“Account Documents”), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain Your consent to receive certain Account Documents from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Account Documents electronically, rather than on paper.

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. For purposes of this eDisclosure Agreement, “eDisclosures” means the Account Documents related to this transaction that are provided electronically, “You” and “Your” mean the borrower(s) under the applicable Account to which such Account Documents apply, and “We”, “Our” and “Us” mean Fortis Bank.

YOUR CONSENT

• Your consent to participate in this transaction electronically will apply to all Account Documents for theapplicable account(s) for which You are applying. If You provide Your consent by checking the box confirming “I agree to the Terms of Use, have reviewed the Consumer Disclosure and agree to do business electronically with Fortis Bank” and then click “Accept,” we will conduct this transaction electronically, instead of providingYou with the Account Documents in paper form.
• If a document related to Your Account is not available in electronic form, a paper copy will beprovided to You free of charge.
• Conducting this transaction electronically is an option. If You choose not to accept receipt ofeDisclosures, paper Account Documents will be mailed to You.
• If You do not consent to receive these Account Documents electronically, You will be provided withcopies of the Account Documents in paper form. Additionally, You will not be required to pay a fee for receiving paper copies of the Account Documents.

WITHDRAWAL OF CONSENT

• You have the right to withdraw Your consent at any time. By declining or revoking Your consent toreceive eDisclosures, We will provide You with the Account Documents in paper form.
• If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can do so by notifying Us at:
  • Phone: 720.616.4000
  • Address: 1550 17th Street, Suite 100, Denver, CO 80202
• If You originally consent to receive eDisclosures but later withdraw Your consent, You will be provided with paper copies of the Account Documents for which You did not consent to receive electronically.

OBTAINING PAPER COPIES

• After Your consent is given, You may request form Us paper copies of Your Account Documents. Please send this request to Us at:
  • Phone: 720.616.4000
  • Address: 1550 17th Street, Suite 100, Denver, CO 80202
• If You request paper copies of the Account Documents, You will not be required to pay a fee for receiving paper copies of the Account Documents.

SYSTEM REQUIREMENTS

• In order to receive eDisclosures, You must have a computer with Internet access and an Internet email account and address; an Internet browser using 256-bit encryption or higher, Adobe Acrobat 9.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records.
• If the software or hardware requirements change in the future, We will notify You of the change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty. Paper copies of such Account Documents will be mailed to You if You choose to withdraw Your consent.

HOW WE CAN REACH YOU

• You must promptly notify Us if there is a change in Your email address or in other information needed to contact You electronically. You can contact Us at:
  • Phone: 720.616.4000
  • Address: 1550 17th Street, Suite 100, Denver, CO 80202
• We will not assume liability for non-receipt of notification of the availability of Disclosures in the event Your email address on file is invalid; Your email or Internet service provider filters the notification as “spam” or “junk mail”; there is a malfunction in Your computer, browser, Internet service and/or software; or for other reasons beyond Our control.

To do business electronically with Us, please return to the page titled “Consent to do business electronically” and check the box confirming “I agree to the Terms of Use, have reviewed the Consumer Disclosure and agree to do business electronically with Fortis Bank.” Once you have checked that box, you may click the “Accept” button to be enrolled in electronic document delivery.