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Consent to Electronic Communications Community Bank and Trust

Consent To Electronic Communications and Use of Electronic Signatures

This Consent to Electronic Communications and Use of Electronic Signatures (“Consent”) is between you and Community Bank and Trust, a Georgia Bank, including our agents, representatives, or affiliates or anyone acting on our behalf (“Bank,” “we,” or “us”).  If you choose not to agree to this Consent or withdraw your consent, you will be restricted from obtaining certain services and products from Bank.   

You Have The Right To Get Notices On Paper

Throughout your relationship with us, we will need to exchange communications (“Communications”) with you. Communications are disclosures, notices, agreements, fee schedules, invoices, statements, records, documents, and other information that we, our agents, representatives, affiliates, or anyone acting on our behalf provides to you or that you sign, submit, give, or deliver to us. Under federal law, we are obligated to exchange these Communications with you “in writing” and, if you prefer, on paper.

We prefer to exchange Communications with you electronically. “Electronically” or “Electronic” means the internet, a website, email, messaging services (including text messaging), software applications (including applications for mobile or hand-held devices), satellite, cable, or any other type of virtual communication or transmission method, whatsoever, in existence now or in the future.

To send you Communications Electronically, we must get your consent to do so. Additionally, to get your signature and agreement for documents Electronically (for instance, by digital signature), we must get your consent. We appreciate your agreement to this Consent, which is as follows:

  1. Consent To Electronic Delivery

Unless otherwise required by law, you agree that we may deliver Communications to you Electronically, and that this Consent applies to all Communications we send to you, or disclose or communicate to you, throughout our relationship with you, including the following: (a) loan or advance documents; (b) any disclosures that are required by law to be in writing, including, without limitation, federal disclosures and tax forms; (c) payment authorizations, electronic payment authorizations, and transaction receipts or confirmations; (d) account statements and history; (e) this Consent; (f) a Privacy Notice (“Privacy Policy,” provided separately); and (g) any other notices, statements, or communications about your relationship or transactions with us whatsoever.

You specifically consent to receive and access Communications Electronically by email using the email addresses we have on file for you and by text message to the phone numbers or other location numbers we have on file for you.

You agree that any such Electronic Communication will be reasonable and proper notice for the purpose of any and all applicable laws, rules, and regulations, and you agree that such Electronic form fully satisfies any requirement that such communications be provided to you in writing or in a form that you may keep.

When you Electronically sign a document, it will be stored in an archive that you can access online.  You may also access and review Electronic copies of all Electronic Communications in this archive or on our website. If you have problems accessing Electronic copies of Electronic Communications, please contact us immediately using the Contact Points (listed below).

Your consent does not mean we must provide Communications Electronically—only that we may do so. We may, at our option, deliver Communications on paper. We may also require that certain Communications from you be delivered to us or our third-party service providers on paper at a specified address.

  1. Authoritative Copies

You agree that the authoritative copy of the Electronically signed Communications (the “Authoritative Copy”) will be an electronic copy that resides in Bank’s document management system or that of its agents, servicers, and service providers.  If a paper version of the Authoritative Copy is created, then both the electronic version and paper version shall be considered originals and shall both be an Authoritative Copy.

  1. Consent to Electronic Signature

You agree that we may use Electronic signatures and obtain Electronic signatures from you in any Communications.

  1. Consent Scope and Coverage

Your consent covers all Communications with us and remains in effect until you give us notice that you are withdrawing it.

  1. Withdrawal of Consent to Electronic Communications

You may withdraw your consent to receive Electronic Communications at any time, but the withdrawal of your consent to receive Electronic Communications may result in the termination of your access to our Electronic services. Any withdrawal of your consent will be effective after a reasonable period of time for processing your request, and we will confirm your withdrawal of consent and its effective date in writing (either electronically or in paper form).

If you wish to withdraw your consent, contact us at one of the Contact Points (described and listed below).

  1. Annual Privacy Policies

You agree that we may satisfy our duty to give you a copy of our Privacy Policy each year by keeping it available for review on https://www.redapplebank.com/privacy-policy or, with prior notice to you, on another webpage.

  1. Paper Version of Electronic Communications

We will provide you with a paper version of any Communications at your request, but you agree that we may charge you a reasonable fee for the printing and delivery of paper versions of Communications unless prohibited by law. To request a paper copy of a Communication, contact us at one of the Contact Points listed below

  1. Valid and Current Email Address & Mailing Address, Notification, and Updates

You agree to keep Bank informed of any changes in your email address, your mailing address, and your mobile phone number for SMS text messages. If you change your email address, mailing address, or mobile phone number, you will give us your new email address, mailing address, or phone number at one of our Contact Points (“Contact Points”):

  • BANK CONTACT POINTS:
    • by email at SLFLinfo@communitybankshares.com
    • by phone at 844-845-2160 or
    • by mail at 201 Broad Street, LaGrange, GA 30240
  1. Updated Communications

Bank may notify you Electronically through email when a Communication or updated agreement pertaining to your account is available by email.

Hardware and Software Requirements

To access and retain Electronic Communications, you will need the following:

  • A computer or mobile device with Internet or mobile connectivity.
  • Recent web browser that includes 256-bit encryption.
  • PDF reading software on your computer or electronic mobile device;
  • Access to the email address that is the registered email address with Bank.
  • Sufficient storage space to save Communications and/or a printer to print them.
  • If you use a spam filter that may block or divert e-mails from strangers, you must add SETCinfo@communitybankshares.com to your e-mail contact list.

Minimum recommended browser standards are the most recent versions of Mozilla Firefox (see http://www.mozilla.com for the latest version), Apple Safari (see http://www.apple.com/safari for the latest version), Google Chrome (see http://www.google.com/chrome for the latest version), or Microsoft Edge (see https://www.microsoft.com/en-us/edge for latest version). The browser must have cookies enabled (use of a browser without enabling cookies may impair your access to certain features).

Changes To Hardware or Software Requirements

If our hardware or software requirements change and that change could make it difficult for you to access or retain your Electronic Communications, we will give you notice of the revised hardware or software requirements. Continuing to use Electronic Communications after receiving notice of the change is a reaffirmation of your consent.

Acknowledgements

By accepting this notice, you confirm to us that:

  • You have the hardware and software described above;
  • You can access and read this Consent to Electronic Communications and Use of Electronic Signatures;
  • You have an active email;
  • You can print this Consent on paper, or save this Consent to a place where you can print it, for future reference and access;
  • You consent to use and receive Electronic versions of any Bank documents;
  • You voluntarily choose to sign your Bank documents Electronically;
  • Your Electronic signature will bind you to the terms and conditions just as much as if you signed these documents on paper with pen and ink;
  • You consent and agree to the terms and conditions of this Consent.

We strongly recommend you print a copy of this Consent for future reference.

Contact Information

To communicate with us, you should contact us at any of the Bank Contact Points, listed above.

Sms/Text Messages And Phone Calls

Notwithstanding any current or prior election to opt-in or opt-out of receiving telemarketing calls or SMS messages (including text messages) from us or our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your application, agreements, obligations, and relationship with us, at any telephone number, or physical or email or electronic address you provide or at which you may be reached. Telephone numbers you provide include those you give to us, those from which you or others contact us, or we obtain through other means. You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using automatic telephone dialing systems (auto‐dialer) or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. If an agent or representative calls, the representative may also leave a message on your answering machine, voice mail, or send one via text. You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and auto-dialed), e-mails, or other communications from us, our agents, representatives, affiliates, or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with you, with information or questions about your application or loan documents.  You certify, warrant, and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number.

BANK, OUR AGENTS, REPRESENTATIVES, AFFILIATES AND ANYONE CALLING ON OUR BEHALF MAY USE SUCH MEANS OF COMMUNICATION DESCRIBED IN THIS SECTION EVEN IF YOU WILL INCUR COSTS TO RECEIVE SUCH PHONE MESSAGES, TEXT MESSAGES, E‐MAILS, OR OTHER COMMUNICATIONS.