This disclosure (pursuant the Electronic Signatures in Global and National Commerce Act (“E-Sign Act”) documents your consent to electronically receive statements, notices, and disclosures (“communications”) that are relative to your account(s). The disclosure also describes your rights relative to electronically receiving documents as well as consequences of withdrawing your consent. Please read this disclosure and authorization carefully and download, save and/or print a copy for your files.

Consent to Receive Statements, Notices, and Disclosures Electronically When you use a product or service to which this disclosure applies, you agree that South Main Mortgage (“We”) may provide you with any communications in electronic format and that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below.

Types of Disclosures and Notices that will be Provided in Electronic Form The Disclosures may include, without limitation, disclosures and notices under the Federal Equal Credit Opportunity Act and Regulation B, the Federal Truth-in- Lending Act and Regulation Z, the Federal Home Mortgage Disclosure Act and Regulation C, the Internal Revenue Code, the Federal Homeowners Protection Act of 1998, the Federal Real Estate Settlement Procedures Act of 1974 and Regulation X, the Federal Fair Credit Reporting Act, the Federal Fair Housing Act, the National Flood Insurance Act of 1968, the Federal Flood Disaster Protection Act of 1973, the Federal Electronic Fund Transfer Act and Regulation E, the Federal Home Ownership and Equity Protection Act of 1994, the Federal USA PATRIOT Act of 2001 and Title V of the Federal Gramm-Leach-Bliley Act, together with all rules and regulations that implement the same, as well as all other disclosures that are required by applicable federal, state and local laws, rules, regulations and ordinances during the mortgage loan origination process. The Disclosures also include any other information, agreements, disclosures and notices that we wish to provide you in connection with the Loan in an electronic form, even if the information, agreements, disclosures and notices are not required by these laws, rules, regulations or ordinances.

Method of Providing Communications to You in Electronic Form

All communications that we provide to you in electronic form will be provided either (1) via email, or (2) by access to a website that we will designate in an email notice we send to you at the time the information is available.

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.
  • An email account with an Internet service provider and email software in order to participate in our electronic communications programs.
  • An Internet web browser which is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of Microsoft® Internet Explorer version 6.0 (available for downloading at http://www.microsoft.com/windows/ie/downloads/default.asp) and your system or device must have 128-bit SSL encryption software.
  • You must have software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 8.0 and above (available for downloading at http://www.adobe.com/products/acrobat/readstep2.html).
  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit.
  • A printer (for printed copies) or a working hard drive or other storage device (to store electronic copies).

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 sixty (60) days after we first provided the electronic communication to you. To request a paper copy, please submit your request to as set out below.

Communications in Writing

All communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this disclosure and any other communication that is important to you.

Informing Us of Your Current Email Address

You are responsible for providing us with a working individual email address to which we can send required information and for ensuring that it is kept current in our files. Please inform us each time you change your email address by contacting us as set out below.

Withdrawing Your Consent

If, after you have consented to receive the communication electronically, you decide that you wish to receive the communication in paper format only, you may withdraw your previously provided consent by contacting us as set out below.

How to Contact South Main Mortgage

In each instance, you may contact us by written request at 207 South Main Street, Cleburne, TX 76033, by email at info@southmainmortgage.com or by phone at 888.850.1525.

Consent

By agreeing to the terms and conditions as described herein, you electronically consent to receive disclosures and notices and to the terms and conditions as described above. By providing your consent electronically, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account.