This disclosure documents your consent to electronically receive all communications, disclosures, notices, documents,
advisories, agreements and periodic statements (“information”), relative to certain deposit accounts, services, and
loans you maintain with, or for which you have submitted an application to, Small Business Bank ("Bank"). This disclosure
also describes your rights relative to receiving information electronically, as well as the consequences of withdrawing
your consent. We recommend you print and retain a copy of this disclosure and all of the disclosures and agreements
related to this transaction, your applications, and accounts. You consent to receive one or more of the following
documents electronically, depending on the type of accounts, services, and loans you obtain from the Bank:
- Account agreements
- Service agreements
- Periodic statements
- Change in terms notices
- Any other required documents, disclosures, or contracts
- Real Estate Settlement Procedures Act (RESPA) disclosures
- Regulation Z (Truth in Lending) disclosures
Regulation B (Equal Credit Opportunity Act) notices and disclosures (including any related Notice of Right to Receive a
Copy of an Appraisal, as well as any appraisal or evaluation which the Bank is required to provide to you under Regulation B)
Other required documents deemed necessary for the processing of your loan application.
You have the right to have these document(s) provided on paper. A fee may be assessed for each document requested in paper form.
Future information will continue to be delivered electronically unless you request otherwise. If you choose to receive
periodic statements electronically, this will replace traditional paper statements mailed to you. Electronic statements
will be delivered to you electronically in Portable Document Format (“PDF”) that you can view online, save to your computer,
or print at your convenience.
You understand and agree that by consenting to receive electronic statements, you will no longer receive account statements by mail.
You further understand that we may charge you a fee according to our fee schedule then in place for any requested paper documents.
You have the right to withdraw consent for delivery of any information in electronic form. In order to withdraw your consent, you must
contact the Bank in writing at 13423 W. 92nd Street Lenexa, KS 66215. If you withdraw your consent of electronic receipt of information,
you will receive documents and communications by mail. If you withdraw consent of electronic delivery of the RESPA or Regulation Z
disclosures, you will receive these documents by mail which could create delays in processing your loan application with the Bank.
We will not impose a fee to process the withdrawal of your consent to receive electronic communications. Any withdrawal of your consent
to receive information electronically will be effective only after we have a reasonable period of time to process your request.
It is your responsibility to provide the Bank with accurate and complete contact information, including e-mail address, and any other
information related to your accounts, services, or loans. You can update this information by contacting the Bank at the address or
telephone number listed below.
Small Business Bank
13423 W. 92nd Street
Lenexa, KS 66215
To receive an electronic copy of information from the Bank, you must have the following minimum hardware and software to access and
retain the electronic document(s): Personal computer or other device capable of internet access and retention/printing the document;
internet access; internet web browser capable of supporting TLS 1.2 or greater encrypted communications; current web browser, and a
system/device with TLS 1.2 or greater encryption software: software permitting receipt and access to Portable Document Format files,
such as the current Adobe Acrobat Reader; a valid email account with internet service provider and email software capable of receiving
If the Bank changes the hardware or software requirements, the Bank will provide you with a statement of the revised hardware and
software requirements. At such time, you will have the right to revoke your consent to receive information electronically. In a
case where the account or loan is jointly owned or jointly applied for, the consent of only one owner/applicant will be required
to consent to the E-SIGN Act.
I request the Bank to provide me with the applicable communications, disclosures, notices, documents, advisories, agreements and periodic
statements in electronic format. By clicking on the "next" button below, I am confirming that I have, at a minimum, the hardware and software
listed above to be able to receive and retain this information.