Electronic Signatures in Global and National Commerce Act ("E-SIGN") Disclosure

This E-SIGN Disclosure ("Disclosure") applies to any and all communications or disclosures that we are legally required to provide to you in writing or otherwise decide to provide to you in connection with your DEEPBLUE Debit Account offered by Republic Bank & Trust Company ("Account") and any related products and services ("Communications"). This Disclosure supplements and is to be construed in accordance with the terms contained in the Deposit Account Agreement for your Account ("Agreement"). The words "we," "us," and "our" refer to Republic Bank & Trust Company, Member FDIC, and the words "you" and "your" mean you, the customer who owns the Account.

  1. Scope of Communications to Be Provided in Electronic Form. You agree that we may provide you with any Communications in electronic format (via email, by access to a website that we will designate in a notice we send to you at the time the information is available, or through the OAC) instead of in paper form (each, an "Electronic Communication"). Your consent to receive Electronic Communications and transactions includes, but is not limited to:

    Your agreement to this Disclosure confirms your ability and consent to receive all Communications electronically, rather than in paper form, and to the use of your electronic signature in our relationship with you. Before doing so, it is important that you: (1) read and understand this Disclosure; (2) determine that you satisfy the minimum hardware and software requirements set out below; and (3) understand your consent will remain in effect until you withdraw it as provided below.

    I understand that I must agree to this Disclosure to open or receive an Account.

  2. Method of Providing Communications to You in Electronic Form. All Electronic Communications that we provide to you will be provided either (1) via email, (2) by access to a website that we will designate in a notice we send to you at the time the information is available, or (3) by access to the mobile application associated with your Account or the online account center appearing at www.deepbluedebit.com (the "OAC"). You should print and save and/or electronically store a copy of all Electronic Communications. At our option, we may provide any Communication to you by mail at the address in our records.
  3. How to Withdraw Consent. You may withdraw your consent to receive Electronic Communications at any time by calling us at 1-833-954-1605. We will not impose any fee to withdraw your consent. However, your consent to receive Communications in electronic form is required in order to have an Account. If you do withdraw your consent you are authorizing us to immediately close your Account. Any withdrawal of your consent to receive Electronic Communications will be effective only after we have a reasonable period of time to process your request for withdrawal. In the meantime, you will continue to receive Communications in electronic form. If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.
  4. How to Update Your Records. At the time that you open an Account, you must provide us with a true, accurate, and complete email address, your contact information, and other information related to this Disclosure and your Account, and must maintain and update promptly any changes in this information during the time you hold an Account. You can update information (such as your email address) through the Website or by contacting us at 1-833-954-1605.
  5. Hardware and Software Requirements. In order to access, view, and retain Electronic Communications that we make available to you, you must have:

  6. Requesting Paper Copies. We will not send you a paper copy of any Communication unless you request it by contacting us at 1-833-954-1605 or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself. 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. Paper copies of legally required disclosures will be made available upon your request at the time the account is closed or thereafter, but may be subject to a fee. We may charge you a service charge for the delivery of paper copies of certain Communications provided to you electronically pursuant to this Disclosure. See the Fee Schedule in your Agreement for details about applicable service charges.
  7. 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 for your records a copy of this Disclosure and any other Communication that is important to you.
  8. Federal Law. You acknowledge and agree that your consent to electronic Communications 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 ("E-SIGN Act"), and that you and we both intend that the E-Sign Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
  9. 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.

Rev. 06/2021