Please read this agreement carefully and download, save and/or print a copy for your files.

This agreement discloses certain information to you that we are required to provide before obtaining your consent to receive such legally required notices and disclosures by electronic means. The words “we,” “us,” and “our” means Origin Bank and the words “you” and “your” means you, the individual(s) or entity identified on the Account(s).

As used in this Disclosure, “Communication” means any customer agreements or amendments thereto, authorizations, disclosures, statements, notices, monthly billing, tax forms, transaction history, privacy policies and all other information related to the product(s), service(s) or Account(s), including but not limited to information that we are required by law to provide to you in writing.

Please Note: Consenting to receive Communications under this disclosure and consent agreement will not automatically enroll you in electronic statements, notices or tax forms, you must complete the online document selection and delivery process.

The Scope of Communications to Be Provided in Electronic Form
By accepting the E-Sign Disclosure and Consent Agreement, you agree that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic Communications and transactions includes, but is not limited to:

• Initial disclosures or agreements
• Disclosures
• Statements
• Notices
• Monthly (or other periodic) billing
• Tax Forms (Not available on business accounts)
• Privacy policies and notices
  
  

Method of Providing Communications to You in Electronic Form
All Communications that we provide you in electronic form will be delivered either (1) via e-mail, (2) by access to our website at www.Origin.bank, we will send you an e-mail notice at the time the information is available, (3) to the extent permissible by law, by access to a web site that we generally designate in advance for such purpose, or (4) by requesting you download a PDF file containing the Communication.

If any account, which is owned jointly by two or more individuals or entities, please be advised that the electronic communications will only be accessible by the primary account holder. Therefore, the primary account holder is solely responsible for promptly and timely sharing any electronic Communications provided with the joint account holder(s) as the need may be and/or as requested of the primary holder by any joint account holder.

You shall be responsible for viewing Communications in a timely manner to comply with any payment due dates, error resolution requirements and time periods, or with any other terms and conditions of your accounts.

How to Update Your Records
It is your responsibility to provide us with a true, accurate and complete e-mail address, mailing address, contact and other information, and to maintain and update promptly any changes in this information. You can update your mailing address and phone number by contacting us at 888-292-4037 or you may update your e-mail address at www.Origin.bank. Origin Bank is not liable for any third party incurred fees, other legal liability, or any other issues or liabilities arising from notifications sent to an invalid or inactive email address or postal address that you have provided.

Hardware and Software Requirements
In order to access, view and retain electronic Communications that we make available to you, you must have:

• E-mail Address with Internet service provider and e-mail software in order to participate in our electronic Communications programs
• A personal computer, operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing communications received in electronic form
• A Web Browser software program that supports a security technology called Secure Socket Layer (SSL).
• Adobe Acrobat Reader 8.0 or higher
  
  

Requesting Paper Copies
We will not send you a paper copy of any Communication from us that you have selected to receive electronically, 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 in a timely manner. To request a paper copy, contact us by telephone at 888-292-4037. We reserve the right to charge you a reasonable service charge for the delivery of paper copies of any Communication that was previously provided to you electronically pursuant to your authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

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 and maintain physical or electronic copies of the documents, including this Disclosure, and any other Communication that is important to you.

How to Withdraw Consent
You may withdraw your consent to receive Communications in electronic form by contacting us at 888-292-4037 or at www.Origin.bank. We may treat your provision of an invalid e-mail address or the subsequent malfunction of a previously valid address as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

Federal Law
You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction in interstate commerce that is subject to the Federal Electronic Signatures in Global and affecting National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Termination/Changes
We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law and make the necessary changes to allow for the delivery of Communications by mail or as otherwise provided under the original terms of the applicable account agreement and disclosure statement.

Important Notice
You understand that the information you have elected to receive is confidential in nature. We are not responsible for unauthorized access by third parties to information and/or communications provided electronically nor any damages, including direct, indirect, special, incidental or consequential damages caused by any unauthorized access. We are not responsible for delays in the transmission of any information. We are not responsible for any computer virus or related problems.

Consent and Agreement
By accepting below, you certify that: (i) you have read and understand this agreement, (ii) you can print or electronically save this agreement for future reference, (iii) you consent to receive the required information described above by electronic means, (iv) you acknowledge that you are providing your consent to receive electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and intend that this statute applies to the fullest extent possible, and (v) you have provided a working individual e-mail address.