Consumer Loan E-Sign Disclosure and Consent Agreement

Please read this e-Sign Disclosure and Consent Agreement carefully and print or retain a copy for your records.

Scope of Consent

We are providing this notice to you, as a user of the Service, you must consent to receive in electronic form both (i) Legal Disclosures and (ii) any other Service information and communications that we elect to provide to you electronically (“Other Electronic Service Information”). You agree that electronic Legal Disclosure and Other Electronic Service Information will be sufficient as “writings” under applicable law or regulation. If you do not give your consent by clicking the box, you will not be permitted to use the Service. Your consent to receive Legal Disclosure electronically applies to all notices, agreements, Legal Disclosures, reports, documents, communications, and other records relating to your use of the Service which we are required by applicable law or regulation to provide or make available to you in writing (which may include, but not be limited to, any Service agreement, itself (or certain provisions thereof), notices of changes in terms, termination notices, the information that we provide to you as part of the applicable service (e.g., loan application disclosures) and any other Disclosure that would ordinarily accompany such information if it were submitted to you in writing (e.g., notices about our privacy policies). Your consent to receive Other Electronic Service Information applies to any and all other Service information or communications that we elect to provide to you electronically in our discretion.

Hardware and Software Requirements

To receive the above information electronically, you will need all of the following:

  • A computer or other device with the capability to access the Internet and view web pages
  • A working individual email address on file with WSFS Bank
  • One of the supported operating systems and browsers listed below

Browser Compatibility

  • Google Chrome version 43, 44, 45
  • Mozilla Firefox version 38, 39, 40, 41
  • Internet Explorer version 11.x
  • Safari version 8, 9

Desktop Operating System Compatibility

  • Microsoft Windows 7, 8, 8.1
  • Mac OS X

Mobile Operating System Compatibility

  • iOS version 7.x, 8.x, 9.x
  • Android 4.x, 5.x
  • Windows 8.1 for tablet, 8.1 for phone

Note: Cookies and JavaScript must be enabled. Use of AOL browsers is not recommended.

To download the most current version of any of this software, go to www.mozilla.com, www.microsoft.com, www.google.com/chrome or www.apple.com/safari, www.adobe.com

To retain the above information, you will need the following:

  • A printer (for printed copies); or
  • Working hard drive or other storage device (for electronic copies).

Availability of Paper Records

If you would prefer to receive paper copies free of charge after consenting to receive electronic disclosures and submitting your online application, please email us at [email protected] or contact us by phone at 302.792.6190.

Withdrawing Consent for Electronic Delivery

Because we may provide certain disclosures to you immediately after submitting your online application, you will not be able to withdraw your consent to receive those disclosures electronically. However, you may withdraw your consent to receive future disclosures electronically at any time and receive paper disclosures at no cost to you by emailing us or contacting us by phone as described under the “How to Contact Us”.

Your Email Address

You are responsible for all of the following:

  • Providing WSFS Bank with a working individual email address;
  • Notifying WSFS Bank of your new working individual email address each time you change your email address; or
  • Utilize one of the methods described below under “How to Contact Us.”

Record Retention

The E-Sign Act requires a financial institution to maintain electronic records accurately reflecting the information contained in all applicable contracts, notices or disclosures and that they remain accessible to all persons who are legally entitled to access the account(s) for the period required by the record retention requirements under applicable laws and regulations in a form that is capable of being accurately reproduced for later reference.

How to Contact Us

If you wish to contact us for one of the above purposes, you must use one of the following methods:

Federal law requires that we obtain your consent before providing required disclosures electronically as you complete our online application. Your consent will apply only to this transaction.

By clicking the box, you (i) agree that this E-Sign Disclosure and Consent constitutes a part of any applicable Service agreement, (ii) agree that your use of electronic sounds, symbols, or processes provided by us to establish your acceptance of or agreement to Service terms, conditions, and/or Legal Disclosures (e.g., an electronic “I Accept” button) constitutes your electronic signature and signifies your intent to be bound, (iii) consent to receive an electronic record of Disclosures and/or Other Electronic Service Information in lieu of a hard or paper copy or version thereof (provided, that if you are a consumer customer, your consent to receive electronic Legal Disclosures may be withdrawn as described above), (iv) acknowledge and demonstrate your ability to access electronically this notice, Legal Disclosures, and Other Electronic Service Information and your satisfaction of the software and hardware requirements described above, (v) confirm and represent that you, in fact, have accessed and are able to view, save and print any sample electronic Legal Disclosures or other sample electronic records or information made available to you in order to demonstrate the applicable Service or as part of the Service enrollment process, and (vi) acknowledge and agree that your acceptance of this E-Sign Consent and Disclosure inures to the benefit of WSFS Bank, its affiliates, agents, Associates, successors, and assigns. If you do not “accept” this agreement, you will not be permitted to use the applicable Service.