Please read this Disclosure and Consent to the Use of Electronic Signatures and Records ("Disclosure") carefully, it contains important information. In this disclosure, "we", "us" and "our" are used to refer to the financial institution providing the service or account you are applying for, and its current and future affiliates. "You" and "your" refer to the person giving this consent.

In order to complete this transaction electronically, we need your consent to use electronic records and signatures. This would be facilitated through Adobe Sign. Click here for system requirements on documents signed using Adobe Sign. If you do not consent to the use of electronic records and signatures, you will be unable to proceed electronically, and will need to contact us to complete the transaction. You may withdraw your consent at any time, or request paper copies of all disclosures at no cost by calling us at 800-548-8138.

Additionally, we are required by law to provide you with certain information in this transaction "in writing" which means you have a right to receive that information on paper. However, with your consent, we may provide this information to you electronically. Your consent covers this transaction at First Bank Richmond and any of our current and future affiliates.

By viewing and accepting this disclosure, you are reasonably demonstrating your ability to access and view electronic documents in the format that the services are provided. Contact us at 800-548-8138 if you have difficulties accessing or viewing the electronic documents.

You will be asked to acknowledge your acceptance of these terms by checking the box before you are able to continue with your transaction. In doing so, you are confirming that you meet the system requirements described above, that you have demonstrated your ability to receive, retain, and view electronic documents, and that you have an active and valid email address.