Thank you for your interest in electronic communications for notices and disclosures from Level One.

The following disclosures are required by the Federal Electronic Signatures in Global and National Commerce Act (E-Signature Act). Please read the following Consent and Authorization disclosure and indicate your acceptance as instructed. We recommend that you print a copy of this disclosure and maintain a copy for your records.

The words “we”, “us”, and “our” means Level One and the words “you” and “your” means you, the individual(s) who is identified as the applicant, co-applicant, secondary applicant or borrower(s) on the Account(s).

Scope of Communications to Be Provided in Electronic Form.  You agree to the acceptance of notices and disclosures in connection with your loan application by means of electronic delivery.

Your consent to receive electronic communications includes, but is not limited to:

• Notices or disclosures about a change in terms to your Level One accounts or associated payment features;
• Any notice or disclosure regarding an account, product or service fee, such as a late fee, an over limit fee, an item return fee, or a fee as a result of a stop payment order;
• Notices and disclosures that are required to be provided to you in writing by the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act, Service-Members Civil Relief Act or other applicable federal or state laws and regulations; and
• Privacy policies and notices (by posting such notices on our website).

Requesting Paper Copies.  You understand and agree that you have a right to receive any required notices or disclosures in paper form as well as your right to withdraw your consent to have them delivered electronically. Once you have provided your consent to receive notices or disclosures electronically, you can still obtain paper copies of them by contacting us at (888) 880-5663.

Hardware and Software Requirements.

• In order to receive eDisclosures, You must have a computer with Internet access and an Internet e-mail account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records.
• If the software or hardware requirements change in the future, We will notify You of the change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty. Paper copies of such Loan Documents will be mailed to You if You choose to withdraw Your consent.

How to Update Your Records.  You agree to notify Level One immediately of any change in your e-mail address by contacting us at (888) 880-5663.

How to Withdraw Consent.  You understand and agree that you may withdraw consent by contacting us at (888) 880-5663. We may treat your provision of an invalid email address or the subsequent malfunction of a previously valid address as a withdrawal of your consent to receive electronic notices or disclosures. Any withdrawal of your consent to receive electronic notices or disclosures will be effective only after we have a reasonable period of time to process your withdrawal.

Statement in Writing.  All notices or disclosures 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 your notices or disclosures, your initial authorization to receive notices or disclosures, and any changes to that authorization.

Federal Law.  You acknowledge and agree that your consent to electronic notices or disclosures is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and 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.

Withdrawl of Consent.

• You have the right to withdraw Your consent at any time. By declining or revoking Your consent to receive eDsiclosures. We will provide You with the Loan Documents in paper form.
• if You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can so by clicking "I do not agree" button, or by notifying Us at:
  Phone: (888) 880-5663
  Address: 32991 Hamilton Court, Farmington Hills, MI 48334
• If You originally consent to receive eDisclosures, but later withdraw Your consent, You will be provided with paper copies of the Loan Documents for which You did not consent to receive electronically.

Consent and Authorization.  By indicating your acceptance of these terms and conditions, you authorize Level One to deliver notices or disclosures to you electronically.

You understand and agree that Level One retains the right, to the extent permitted by law, to amend this agreement in the future by providing you with written notice of such changes to your last-known e-mail address. In the future, should Level One, by law or regulation, be permitted to deliver any additional notices or disclosures to which you are entitled besides those specifically listed herein, you hereby agree to receive such notices or disclosures in electronic format sent to your last-known e-mail address.

By indicating your acceptance of these terms and conditions, you authorize Level One to discontinue sending you such notices and disclosures via postal mail service for your account(s) and to instead deliver such notices and disclosures to you electronically. You understand and agree that Level One will send you an e-mail to your e-mail address notifying you that your notice or disclosure is ready to be viewed online or attached to the email.

How We Can Reach You.

• You must promptly notify Us if there is a change in Your e-mail address or in any other information needed to contact you electronically. You can reach Us at:
  Phone: (888) 880-5663
  Address: 32991 Hamilton Court, Farmington Hills, MI 48334
• We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event Your e-mail address on file is invalid; Your e-mail or Internet provider filters the notification as "spam" or "junk mail"; there is a malfunction in Your computer, browser, Internet service and/or software; or for any other reasons beyond Our control.

By clicking the "I\We Agree" button at the bottom of the page all applicants consent to do business electronically and to view Loan Documents electronically.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT OR FOR A REQUEST FOR CREDIT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or business that opens an account or requests credit.

What this means for individuals: When an individual opens an account, or requests credit, we will ask for their name, address, date of birth, Social Security Number and other information that allows us to identify them. We may also ask to see their driver's license or other identifying documents.

What this means for businesses: When a business opens an account or requests credit, we will ask for the business name, business address, Employer Identification Number, and other information that allows us to identify the business and signatories. We may also ask to see other identifying documents showing existence of the business. USA PATRIOT ACT, Section 326