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OAC eSign Disclosure

This E-Sign Disclosure and Consent Agreement (“Agreement”) applies to all Communications and required disclosures relating to products, services and Accounts offered or accessible through the Online Service that are not otherwise governed by the terms and conditions of an electronic disclosure and consent.

The words “we”, “us”, and “our” refer to Superior National Bank & Trust Company (“SNB”), and the words “you” and “your” mean you, the individual(s) or entity identified on the Account(s). As used in this disclosure, “Account” means the accounts, products or services you have with us. “Communication” means any customer agreements or amendments thereto, monthly billing or account statements, tax statements, disclosures, notices, transaction histories, privacy policies, and all other information related to the Account, including but not limited to information we are required by law to provide to you in writing. “Online Service” means the online banking services offered by SNB.

Scope of Communications to be Provided in Electronic Form. You agree that we may provide you with any Communications that we may choose to make available in electronic format, to the extent allowed by law, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and disclosures includes but is not limited to:

  • All legal and regulatory disclosures and Communications associated with the Account.
  • Notices or disclosures about changes in the terms of your Account.
  • Privacy policies and notices.
  • Monthly (or other periodic) billing or account statements for your Account or such other Communication we may include from time to time.

Method of Providing Communication to You in Electronic Form. All communications that we provide you in electronic form will be provided either (1) via e-mail – any confidential information sent through email will be sent using a secure email system, which will require you to establish a password to access the document, (2) by access to our website at, (3) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purposes, or (4) by requesting you download a PDF containing the Communication.

How to Withdraw Consent. You have the right to withdraw your consent as to as to electronic Communications relating to your current transaction by cancelling your transaction before completing it. Note that cancelling your current transaction does not withdraw your consent to use of electronic records for other transactions, accounts, products, or services. You have the right to withdraw your consent as to electronic Communications relating to all of your accounts, transactions, products, and services available online (via our website or mobile app) by calling 866-482-0404. If you withdraw your consent to the use of electronic Communications for all of your accounts, transactions, products, and services available online, this will terminate your online banking access through our website and mobile app. If you want to receive your electronic Communications in electronic format after you withdraw your consent as indicated above, you must affirmatively consent again and re-confirm your ability to receive communications in electronic format. Note that at our option, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

How to Update Your Records. It is your responsibility to provide us with true, accurate, and complete e-mail address, contact, and other information related to this Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) by contacting us at 866-482-0404.

Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have:

  • A personal computer with the capability to access the Internet;
  • Internet browser that supports 128 bit encryption;
  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit;
  • An e-mail account with an internet service provider and email software in order to participate in our electronic communications program;
  • Software that enables you to view files in the Portable Document Format (PDF) – specific to online banking and e-statements; and
  • Software that enables you to view files in the HTML (Hypertext Markup Language) – specific to online account opening.

Requesting Paper Copies. We will not send you a paper copy of any Communication unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us by telephone or e-mail (through the online banking website). We may charge you a reasonable service charge for the delivery of paper copies of any Communication provided to you electronically pursuant to this Disclosure. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

Communication in Writing. All Communication in either electronic or paper format from us to you will be considered “in writing.” We recommend that you print or download and retain a copy of this Disclosure and any other Communication that is important to you.

Federal Law. You acknowledge and agree that your consent to electronic Communication is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce (“E-SIGN”) Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Termination/Changes. We reserve the right, at our sole discretion, to discontinue the provision of your electronic Communication, or to terminate or change the terms and conditions on which we provide electronic Communication. We will provide you with notice of any such termination or change as required by law.