E-Sign Disclosure and Consent

E-Sign Disclosure and Consent

Please review this Electronic Signatures in Global and National Commerce Act (E-Sign) Disclosure and Consent and keep a copy for your records.

Before obtaining this product or service electronically, you must read and indicate your acceptance of the terms outlined below.

By applying for this loan online you agree to receive the Federal Credit Application Insurance Disclosure in electronic form. If you do not consent, you will not be able to proceed with the online loan application process. You may contact us at the number or address listed below to apply for a loan in person or by telephone.

1. In this consent “we,” “us,” “our” are used to refer to Bank of Travelers Rest. The disclosure being provided to you will be in electronic form, and you will be able to review it online. Your consent applies only to the disclosure applicable to the loan being applied for during this online session.

2. The disclosure provided in electronic form will not be distributed in paper form. After consenting, if you wish to obtain a paper copy of the disclosure, you can do so free of charge by calling us at the number listed below or writing us at the address also listed below.

3. You have the right to withdraw your consent at any time, at no cost to you, by calling or writing us at the number or address listed below.

4. By consenting to receive this disclosure electronically, you agree to provide us with the information (such as current email address) necessary to communicate with you electronically. You are required to update us with any changes in such information by calling us at the number or writing us at the address listed below.

5. The hardware and software requirements necessary for access to and retention of the information being provided to you in electronic form are listed below. By consenting to receive the disclsoure online, you will also be verifying you meet the necessary hardware and software requirements to view the disclosure. Requirements include:

• A personal computer or other device capable of accessing the internet

• A web browser which supporys 128-bit SSL encrypted communications

• A printer if choosing to print the disclosure

Contact Information:

By Telephone: (864) 834-9031

By Mail:

Bank of Travelers Rest

Attention: Credit Department

42 Plaza Drive

Travelers Rest, SC 29690