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Disclosure

CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT

Please read this information carefully and print a copy and/or retain this information electronically for future reference.You are submitting a request for a loan bid, pre-qualification, a loan application, a real estate referral form, through Partners Mortgage (hereinafter, a “Request”). Partners Mortgage can only give you the benefits of our service by conducting its business through the Internet. In order to do this, we need you to consent to our giving you certain disclosures electronically. This document informs you of your rights when receiving legally required disclosures, notices and information (“Disclosures”) from Partners Mortgage and the banks, lenders or loan brokers, (we refer to all of these as “Lenders”) or real estate professionals to whom your Request is submitted. By completing and submitting a Request through Partners Mortgage, you acknowledge receipt of this document and consent to the electronic delivery of such Disclosures.

Electronic Communications.



Any Disclosures related to your Request will be provided to you electronically through Partners Mortgage. However, if you wish to obtain a paper copy of any of the Disclosures, you may write to Partners Mortgage,  with the details of your request. Paper copies will be provided to you at no charge. Consenting to Do Business Electronically. Before you decide to do business electronically with Partners Mortgage, you should consider whether you have the required hardware and software capabilities described below.

Scope of Consent.



Your consent to receive Disclosures and to do business electronically, and our agreement to do so, only applies to this Request. You will receive Disclosures from Partners Mortgage, and you may also receive Disclosures and other communications from our participating Lenders or real estate professionals. After your Request is transmitted to one or more of our participating Lenders or real estate professionals, and after you decide to continue to pursue your Request, then you and the Lender or real estate professional should discuss how subsequent Disclosures will be delivered.Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: Internet Explorer 4.0 or above, Netscape Navigator 4.0 or above or equivalent browser and email software; and hardware capable of running this software program.

Withdrawing Consent.


Because Partners Mortgage will provide the Disclosures to you instantly, you will not be able to withdraw your consent to do business electronically with Partners Mortgage. However, you may withdraw your consent to do business electronically with our participating Lenders or real estate professionals at no cost to you. You may do so by contacting the Lender or real estate professional at the mailing address, e-mail address or telephone number they provide with their offer. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Disclosures will not be affected.

Changes to Your Contact Information.



You should keep us informed of any change in your electronic or mailing address. You may contact Partners Mortgage by email regarding any such changes. YOUR ABILITY TO ACCESS DISCLOSURES. BY COMPLETING AND SUBMITTING YOUR REQUEST, YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE ELECTRONIC DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.CONSENT. BY COMPLETING AND SUBMITTING YOUR REQUEST, YOU CONSENT TO HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH Partners Mortgage ELECTRONICALLY.PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.