E-sign Consent

Standby Deposits Inc., Cross River Bank (member FDIC), affiliates, and third-party service providers (“Standby” or “we”) may need to provide you with electronic documents, notices, agreements, statements, disclosures, and other records (“Communications”) in connection with the services that we provide to you (“Standby Services”). By agreeing to this E-SIGN Consent Agreement, you confirm your ability and consent to receive Communications electronically from Standby, rather than in paper form, and to the use of electronic signatures in connection with these Communications (“Consent”). 

ELECTRONIC DELIVERY OF COMMUNICATIONS

Under this Consent, Standby may provide all Communications electronically by e-mail. We encourage you to save or print the Communications we provide to you electronically for future reference. You further agree that your computer or mobile device satisfies the system requirements specified below and that you have provided us with a current email address to which we may send electronic Communications to you. If you do not consent to receiving Communications or transacting via electronic records or signatures, you should not use Standby’s Services.

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SYSTEM REQUIREMENTS

To access and retain the electronic Communications, you must have: (1) a personal computer or other device capable of accessing the Internet; (2) internet access; (3) a valid email address; (4) a widely-used, recent-generation web browser (for example, Chrome or Firefox); (5) a current version of a program that accurately reads and displays PDF files (such as Adobe Reader 8 or above); (6) a printer, hard drive or other storage capability.

If you access our website and any consents or disclosures electronically via a mobile device (such as a smartphone, tablet, and the like), in addition to the above requirements you must be able to print and save Communications and receive text messages. If you do not have these capabilities on your mobile device, please access our website through a device that provides these capabilities.

Your access to our site verifies that your ability to meet the requirements listed above.

PAPER DELIVERY OF COMMUNICATIONS

You have the right to receive Communications in paper form. To request a paper copy of any Communication, please contact us at support@standby.io. You will not be charged a fee for paper copies. Requesting a paper copy of any Communication will not be treated as withdrawal of your consent to receive electronic Communications.

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WITHDRAWAL OF CONSENT TO ELECTRONIC COMMUNICATIONS

You may withdraw your Consent by contacting us at support@standby.io. Any withdrawal of your Consent will be effective after a reasonable period of time for processing your request, and Standby will confirm your withdrawal of Consent and its effective date in writing (either electronically or in paper form). The legal effectiveness, validity and/or enforceability of Communications we sent prior to withdrawal will not be affected. If you withdraw your consent, Standby may restrict or terminate your access to Standby Services.

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UPDATING YOUR E-MAIL ADDRESS

You agree to maintain a valid e-mail address, promptly notify us of any changes to your e-mail address, and update your contact information in your Standby account.

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ACCEPTANCE

By checking the box to accept this E-SIGN Consent Agreement, you certify that you understand the system requirements described above, that you have demonstrated your ability to receive, retain, and view electronic Communications, and that you consent to the electronic delivery of all Communications. If you do not provide your Consent, or if you withdraw your consent, Standby may restrict or terminate your access to Standby Services.