eSign Disclosure

Please read this Disclosure and Consent to the Use of Electronic Signatures and Records ("Disclosure") carefully, it contains important information. This E-Signatures Authorization Acknowledgment and Consent will also be referred to in this document as the "Agreement" and constitutes the full agreement by and between First National Bank (“Financial Institution” or “FNB”) and Individual(s) (each a “Consenting Party” or “you”), with respect to the use of electronic signature.

Financial Institution and Consenting Party agree to the following:

1. Each Consenting Party authorizes Financial Institution to use an electronic signature of the Consenting Party for all documents, agreements, attachments, addendums including, without limitation, all deposit and lending related documents such as account agreements, loan agreements, security agreements, mortgages, deeds of trust, guaranties and hypothecations (collectively, the "Documents") in any way connected to the transaction ("Transaction") being entered into between the Consenting Party and the Financial Institution. This consent is specifically to permit an electronic signature (as of the nature then in use by the Financial Institution) in lieu of hand-written signatures on any one or more of the Documents.
2. Financial Institution consents to accept such signatures as true, correct and binding signatures of the Consenting Party and to enter into the Transaction in reliance thereon.
3. Each Consenting Party agrees that its electronic signature will be enforceable as and to the full extent of a hand-written signature as an original for enforcement/enforceability of the Documents containing the electronic signature(s), whether in court (state or federal), arbitration or otherwise. Consenting Party will not raise any defenses or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed.

NOTICES.Any notice from Financial Institution to Consenting Party shall be deemed given when mailed, postage paid, and addressed to any Consenting Party at the last address furnished by any Consenting Party to the Financial Institution. Any notice from Consenting Party to Financial Institution shall be deemed given when mailed, postage paid, and addressed to the Financial Institution at its principal place of business.

Electronic Delivery of Records. By proceeding forward and signing this document, you are agreeing that you have reviewed the following consumer disclosure information and consent to transact business using electronic communications, to receive notices and disclosures electronically, and to utilize electronic signatures in lieu of using paper documents.

You are not required to receive notices and disclosures electronically or sign documents electronically. If you prefer not to do so, you may request to receive paper copies or later withdraw your consent at any time as described below.

Scope of Consent to Receive Records Electronically. By providing consent, you acknowledge that you have had the opportunity to read these disclosures and you agree to receive electronic versions of any and all documents, disclosures, statements, communications, and notices associated with your account(s) over the course of your relationship with FNB. You also agree to use electronic signatures in lieu of written signatures. 

Hardware or Software Requirements. If you have further questions please refer to Adobe system requirements by clicking on the following link, https://helpx.adobe.com/sign/system-requirements.html .

Paper Delivery of Records and Disclosures. You have the right to receive a paper copy of any document presented electronically. To receive a paper copy, contact FNB as described below. The paper copy will be provided for no charge.

Update Information. You must promptly notify FNB of any change to your email address or other electronic contact information. To update the information needed to be contacted electronically by FNB, please contact the bank at 888-277-6506 or visit your local branch.

Withdrawal of Consent. You may withdraw your consent to receive records electronically at any time by contacting FNB at 888-277-6506 or by visiting any branch location. If you withdraw consent, you will receive paper versions of any disclosures, notices, communications, or any other records associated with your account(s). Withdrawing consent may result in the termination of your access to FNB’s online and electronic services, including online banking or certain online products. Termination of consent will cause paper statements, notices, or other documents to be mailed to you, and FNB may charge an additional fee for the product or service related to the paper copy.

 

Option to Send Paper. FNB has the option to deliver paper copies of information and other communications to you at its sole discretion. FNB may also require certain communications to be delivered in paper format.

ENTIRE AGREEMENT.This Agreement contains and constitutes the entire understanding between Financial Institution and each Consenting Party regarding the subject matter hereof and may not be modified, amended, or terminated except by written agreement signed by Financial Institution and each Consenting Party that such modification, amendment or termination affects. All prior or subsequent oral agreements and/or discussions relating to this Agreement are superseded by this Agreement. Further, in the event of any conflict between the terms and provisions contained in this Agreement and any other document(s) relating to use of electronic signatures, the terms and provisions of this Agreement shall control.

BINDING EFFECT.The obligations hereof shall bind the heirs, executors, administrators, successors, and assigns of each Consenting Party, and all rights, benefits and privileges hereby conferred on Financial Institution shall be and hereby are extended to and conferred upon and may be enforced by its successors and assigns. Further, if any Consenting Party is a partnership, the obligations hereof shall continue in force, and apply, notwithstanding any change in the membership of such partnership, whether arising from the death or retirement of one or more partners or the accession of one or more new partners.

ENFORCEABILITY. Whenever possible each provision of this Agreement shall be interpreted in such manner as to be effective and valid under applicable law. If any provision of this Agreement shall be prohibited by or invalid under applicable law, such provision shall be ineffective only to the extent of such prohibition or invalidity, without invalidating the remainder of such provision or the remaining provisions of this Agreement.

HEADINGS. Section headings/titles are for convenience only and are not to be used in construing or interpreting this Agreement.

JURISDICTION AND GOVERNING LAW.This Agreement will be governed by and construed in accordance with the laws of the State of Indiana without regard to conflict of laws and all disputes arising under or relating to this Agreement shall be brought and resolved solely and exclusively in the state courts located in Indiana.

By signing this Agreement, Financial Institution and each Consenting Party acknowledge reading, understanding and agreeing to all of its provisions