Electronic Documents and Signatures Consent

Electronic Documents and Signatures Consent

Effective Date: March 28, 2025

United Bank, its servicers, service providers, and agents, including (collectively, "we", "us" or "Bank") are required to provide you with certain written disclosures, documents, and information related to your transactions with Bank ("Required Information"). Under the federal E-SIGN Act and related state laws, with Your consent, we can deliver this Required Information to you electronically and can use electronic signatures in connection with your transactions with Bank. This Electronic Documents and Signatures Consent (the "Agreement") relates to your use of Bank's services and your deposit accounts ("Account"). Please read the terms of this Agreement prior to giving your consent, and please maintain a copy of this Agreement for your records.

By electronically agreeing to, and signing, this Agreement below, you consent and agree to proceed with the review and execution of the account agreements, disclosures, statements, and documents relating to your Account in electronic format. This includes the use of electronic communications, electronic disclosures, electronic statements, electronic contracts, and electronic signatures (including "check box" style acknowledgements).

If you do not agree to proceed with: (a) the signing of the agreements electronically, (b) the review of disclosures and statements in electronic format, and (c) the receipt of electronic communications from Bank please decline to execute this Agreement. If you want to proceed with your Account, you must consent to receiving the Required Information electronically before we can provide it to you. Your consent will apply to all Account agreements, and transactions for this application. Your consent permits the general use of electronic records and electronic signatures in connection with all your transactions with us related to this account.

Agreement to Conduct Business Electronically

By executing this Agreement, you are agreeing: (a) to the presentation of electronic documents, agreements, and disclosures, (b) that such documents are binding contracts, and (c) that you will accept and execute the applicable documents electronically. You acknowledge that all disclosures required by applicable law are being provided to you and may be provided electronically. You may also access and review electronic copies of all electronic documents on our website.

You further agree as follows:

  • Your execution of this Agreement signifies your intent to enter into a binding legal agreement, and that your consent to conduct business electronically applies to all documents that Bank will provide to you or agreements that you will execute with Ban 
  • All documents, including any modifications to such documents, signed using electronic means are as valid and enforceable as if you executed a paper copy using a "wet ink" handwritten signature. 
  • The authoritative copy of the electronically executed documents (the "Authoritative Copy") shall be the 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. 

Paper Copy of Required Information Available Upon Request - No Charge

You may print a copy of any Required Information from your computer or emails. If you consent to receive the Required Information electronically, you can also request a paper copy of the Required Information by contacting us at 1-800-327-9862 or 11185 Fairfax Blvd., Fairfax, VA, 22030. We will not charge you any fees for providing a paper copy of the Required Information. Your consent does not mean that Bank must provide the Required Information electronically - only that it may do so. We may, at our option, deliver Required Information on paper, if we choose to do so. We may also require that certain communications from you be delivered to us, on paper, at a specified address. 

If you consent to receive the Required Information electronically, we will contact you at the email address you have provided to us. If you change your email address, you must provide us with your new email address either by logging into your account and updating your email address or by contacting us by email at customerservice@bankwithunited.com.

HARDWARE AND SOFTWARE. To effectively access and retain electronic communications, you must have:

a. A device capable of connecting to the internet (e.g., computer, tablet, smartphone).
b. An updated operating system and internet browser (e.g., Chrome, Safari, Firefox).
c. An active email address for notifications.  Note: Having a phone or device for receiving SMS alerts is recommended for optimal use, but it is not required for accessing communications.
d. Software that can open and display PDF files (such as Adobe Acrobat Reader).
e. Local storage capacity or access to a printer for retaining copies of communications.

For security and compatibility reasons, the hardware and software requirements may change. We will notify you if there are material changes to the requirements that enable access to electronic communications or records. You should update your devices operating systems based on the manufacturers’ recommendation. By continuing to use United’s Digital Banking applications, you are reaffirming your consent. 

By checking the box and proceeding, you are electronically signing this Agreement. You agree to the terms of this Agreement, effective as of today’s date, and confirm that you have computer software and hardware that meets the requirements above. YOU CONSENT TO (I) RECEIVING REQUIRED INFORMATION ELECTRONICALLY, AND (II) THE USE OF ELECTRONIC RECORDS AND SIGNATURES IN CONNECTION WITH THIS APPLICATION, YOUR ACCOUNT AGREEMENTS AND RELATED TRANSACTION(S) WITH BANK AND ITS AGENTS, SERVICERS, AND SERVICE PROVIDERS, IN PLACE OF WRITTEN DOCUMENTS AND HANDWRITTEN SIGNATURES. Once you give your consent, you can view your documents online or by reviewing your emails. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM US OVER THE INTERNET. 

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