Electronic Consent Agreement

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 Your Consent to Do Business Electronically

(The Electronic Consent Agreement)

Please read the following important information. By signing this Agreement, you are agreeing that you have reviewed this Electronic Consent Agreement and consent to transact business using electronic communications, to receive notices and disclosures electronically, and to utilize electronic signatures instead of using paper documents.

The loan for which you are applying involves various disclosures, records, and documents (“Loan Documents”), including this Electronic Consent Agreement. The purpose of this Agreement is to obtain your consent to receive certain Loan Documents from us in electronic form rather than in paper form. With your consent, you will also be able to sign and authorize these Loan Documents electronically, rather than on paper.

Before we can engage in this transaction electronically, it is important that you understand your rights and responsibilities. Please read the following and affirm your consent to conduct business with us electronically. For purposes of this Electronic Consent Agreement, “eDisclosures” means the Loan Documents related to this transaction that are provided electronically. “You” and “your” mean the borrower(s) under the applicable loan to which such Loan Documents apply, and “we,” “our,” and “us” mean the applicable mortgage broker(s), loan processor(s), or mortgage banker(s) with whom you are transacting business for such loan(s).

• Your consent to participate in this transaction electronically will apply to all Loan Documents for the applicable loans for which you are applying.
   
• If you provide your consent by clicking the “I agree” button at the bottom of the page, we will conduct this transaction electronically, instead of providing you with the Loan Documents in paper form.
   
• If a document related to your loan is not available in electronic form, a paper copy will be provided to you free of charge.
   
• Conducting this transaction electronically is optional. If you choose not to accept receipt of eDisclosures, paper Loan Documents will be mailed to you.
   
• You will not be required to pay a fee for receiving paper copies of the Loan Documents.
   

• If you originally consent to receive eDisclosures, but later withdraw your consent, you will not be required to pay a fee for withdrawing consent or for receiving paper copies of the Loan Documents.
   
• You have the right to withdraw your consent at any time. By declining or revoking your consent to receive eDisclosures, we will provide you with the Loan Documents in paper form.
   
• To withdraw consent, you may notify us at (800) 915-9218 or by written letter addressed to:
   

Mortgage One, Inc.
Customer Service Department
2714 Loker Ave. W. Suite 300
Carlsbad, CA 92010

After your consent is given, you may still request paper copies of your Loan Documents. Please send this request to us at (800) 915-9218 or by written letter to:

Mortgage One, Inc.
Customer Service Department
2714 Loker Ave. W. Suite 300
Carlsbad, CA 92010

You will not be charged a fee for receiving paper copies.

To receive eDisclosures, you must have:

• A computer with Internet access and an email account
   
• An Internet browser using 128-bit encryption or higher
   
• Adobe Acrobat 7.0 or higher
   
• SSL encryption
   
• Access to a printer or the ability to download information to keep copies of your eDisclosures for your records
   

If system requirements change in the future and you are unable to continue receiving eDisclosures, paper copies of Loan Documents will be mailed to you once you notify us. We will use commercially reasonable efforts to notify you before such requirements change. If you choose to withdraw your consent upon notification of the change, you may do so without penalty.

You must promptly notify us if there is a change in your email address or other information needed to contact you electronically. You can contact us at (800) 915-9218 or by written letter to:

Mortgage One, Inc.
Customer Service Department
2714 Loker Ave. W. Suite 300
Carlsbad, CA 92010

We will not assume liability for non-receipt of notifications of the availability of eDisclosures in the event your email address on file is invalid, your email or Internet service provider filters the notification as spam or junk mail, there is a malfunction in your computer/browser/Internet service/software, or for other reasons beyond our control.

Mortgage One, Inc. • NMLS #898812 Equal Housing Lender. 

We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. All loans are subject to credit and collateral approval. Terms and conditions are subject to change without notice. Not all applicants will qualify.

If applicable, state-specific disclosures and licensing information are available upon request.