Electronic Signature Consent Agreement

1. Consent to Electronic Documents and Signatures

By consenting to this agreement, you agree that:

• We may provide you with disclosures, notices, documents, and other information ("Documents") in electronic format rather than on paper
• You may sign documents electronically using an electronic signature
• Electronic documents and signatures will have the same legal effect as paper documents and handwritten signatures
• You consent to do business electronically with A Good Lender

1.1 Scope of Consent

This consent applies to all documents related to your mortgage transaction, including but not limited to:

• Loan applications and disclosures
• Loan Estimates and Closing Disclosures
• Truth in Lending Act (TILA) disclosures
• Privacy notices and opt-out forms
• Credit authorization forms
• Loan agreements and promissory notes
• Mortgage or deed of trust documents
• Servicing notices and statements
• Amendments, modifications, and other loan-related documents

1.2 Voluntary Consent

Your consent is voluntary. You are not required to consent to receive electronic documents or use electronic signatures. If you do not consent or if you withdraw your consent, we can still provide services to you using paper documents, although this may delay processing.

2. Hardware and Software Requirements

To access and retain electronic documents, you must have:

2.1 Computer or Mobile Device

• A computer, tablet, or smartphone with internet access
• Sufficient storage space to save and retain documents

2.2 Internet Connection

• A reliable internet connection (broadband recommended)
• Internet service provider (ISP) access

2.3 Software

• Web Browser: Current version of Chrome, Firefox, Safari, or Edge
• PDF Reader: Adobe Acrobat Reader (free) or equivalent PDF reader
• Email: Valid email account with the ability to receive and open attachments
• JavaScript and Cookies: Enabled in your browser

2.4 Technical Skills

You should be able to:

• Navigate websites and use a web browser
• Open, view, and print PDF documents
• Save documents to your computer or device
• Send and receive emails with attachments
• Use a mouse or touchscreen to click and sign electronically

2.5 Changes to Requirements

If we change these hardware or software requirements and the change creates a material risk that you will not be able to access or retain electronic documents, we will notify you of the revised requirements and give you the option to withdraw your consent without charge.

3. How We Will Provide Electronic Documents

We will provide electronic documents to you in one or more of the following ways:

3.1 Email Delivery

• We will send documents to the email address you provide
• Documents may be sent as PDF attachments or as links to secure web pages
• You are responsible for keeping your email address current

3.2 Secure Online Portal

• We may make documents available through a secure online portal
• You will receive an email notification when new documents are available
• You will need to log in to access documents

3.3 Website Access

• Some documents may be available on our website
• We will provide you with the web address (URL) where documents can be accessed

4. Electronic Signatures

4.1 What is an Electronic Signature?

An electronic signature is an electronic symbol or process that:

• Is attached to or logically associated with a document
• Is executed or adopted by you with the intent to sign the document
• Has the same legal effect as a handwritten signature

4.2 Types of Electronic Signatures

We may use various methods for electronic signatures, including:

• Click-to-Sign: Clicking an "I Agree" or "Sign" button
• Type Your Name: Typing your name in a signature box
• Draw Your Signature: Drawing your signature using a mouse or touchscreen
• PIN or Password: Entering a personal identification number or password
• Biometric: Using fingerprint, face recognition, or other biometric authentication

4.3 Legal Effect

Your electronic signature will have the same legal effect as your handwritten signature under:

• E-SIGN Act: Federal Electronic Signatures in Global and National Commerce Act
• UETA: Uniform Electronic Transactions Act (adopted by California)
• ESRA: Electronic Signatures and Records Act

4.4 Intent to Sign

By using an electronic signature, you confirm that:

• You intend to sign the document
• You agree to the terms of the document
• Your electronic signature is legally binding
• You are authorized to sign the document

5. Your Responsibilities

5.1 Keep Your Email Address Current

• You must maintain a valid email address
• You must notify us immediately if your email address changes
• You are responsible for checking your email regularly
• Check your spam/junk folder for emails from us

5.2 Review Documents Carefully

• You should open and read all documents we send you
• Review documents before signing electronically
• Contact us if you have questions about any document
• Keep copies of all documents for your records

5.3 Save and Print Documents

• You should save electronic documents to your computer or device
• You should print important documents for your records
• We recommend keeping documents for at least 7 years

5.4 Maintain Security

• Keep your passwords and login credentials secure
• Do not share your account access with others
• Log out after accessing secure portals
• Notify us immediately if you suspect unauthorized access

5.5 Update Software and Hardware

• Keep your software (browsers, PDF readers) up to date
• Ensure your device meets the minimum requirements
• Test your ability to access documents before signing

6. Paper Copy Requests

6.1 How to Request Paper Copies

You may request a paper copy of any electronic document by:

• Phone: Calling us at (510) 589-4096
• Email: Emailing us at info@agoodlender.com
• Mail: Writing to us at 4683 Chabot Dr #280, Pleasanton, CA 94588

6.2 Paper Copy Delivery

• We will provide paper copies at no charge
• Paper copies will be mailed to your address on file
• Allow 5-7 business days for delivery
• For urgent documents, we may be able to expedite delivery

6.3 Printing Documents Yourself

You can also print documents yourself using your printer. If you have trouble printing, contact us for assistance.

7. Withdrawing Your Consent

7.1 How to Withdraw

You may withdraw your consent to receive electronic documents at any time by:

• Phone: Calling us at (510) 589-4096
• Email: Emailing us at info@agoodlender.com with "Withdraw E-Sign Consent" in the subject line
• Mail: Sending a written notice to 4683 Chabot Dr #280, Pleasanton, CA 94588

7.2 Effect of Withdrawal

If you withdraw your consent:

• We will provide future documents in paper format
• Withdrawal does not affect the validity of documents you already signed electronically
• Withdrawal takes effect within a reasonable time after we process your request
• There is no fee to withdraw consent

7.3 Impact on Service

Withdrawal of consent may:

• Delay processing of your loan application
• Slow down communication and document exchange
• Require additional time for mailing documents

Note: We will still provide services to you even if you withdraw consent, but processing may take longer.

8. Updates to Email Address or Contact Information

You must notify us immediately if:

• Your email address changes
• Your mailing address changes
• Your phone number changes
• You no longer have access to your email account

How to update your information:

9. Changes to This Agreement

We may update this Electronic Signature Consent Agreement from time to time. If we make material changes:

• We will notify you via email or through our website
• You will have the opportunity to review the changes
• You may withdraw your consent if you do not agree to the changes
• Continued use of electronic documents after notice constitutes acceptance of the changes

10. Security and Authentication

10.1 Our Security Measures

We protect electronic documents and signatures using:

• Encryption: SSL/TLS encryption for data transmission
• Secure Servers: Documents stored on secure, encrypted servers
• Authentication: Password and multi-factor authentication
• Audit Trails: Complete record of document access and signatures
• Access Controls: Limited access to authorized personnel only

10.2 Document Integrity

We ensure document integrity through:

• Tamper-evident seals
• Digital certificates
• Version control
• Time-stamping of signatures

11. Federal Law Compliance

11.1 E-SIGN Act Compliance

This agreement complies with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), which provides that:

• Electronic signatures are valid and legally binding
• Electronic records satisfy legal requirements for written records
• Consumers must consent to electronic delivery
• Consumers can withdraw consent at any time

11.2 UETA Compliance

This agreement also complies with the Uniform Electronic Transactions Act (UETA), which California has adopted.

11.3 Other Applicable Laws

We comply with all applicable federal and state laws governing electronic transactions, including:

• Truth in Lending Act (TILA)
• Real Estate Settlement Procedures Act (RESPA)
• Equal Credit Opportunity Act (ECOA)
• Fair Credit Reporting Act (FCRA)

12. Contact Us

If you have questions about this Electronic Signature Consent Agreement or need assistance with electronic documents, please contact us: