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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 BayWest Equities (hereinafter, a "Request").
BayWest Equities 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 BayWest Equities 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 BayWest Equities, 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 BayWest Equities.
However, if you wish to obtain a paper copy
of any of the Disclosures, you may write to BayWest
Equities, Disclosure Request Dept., 8555 Aero Dr, Suite 203 San Diego, CA 92123 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
BayWest Equities, 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
BayWest Equities, 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 BayWest Equities will provide
the Disclosures to you instantly, you will not be
able to withdraw your consent to do business electronically
with BayWest Equities. 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 BayWest
Equities 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
BayWest Equities ELECTRONICALLY.PLEASE
PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR
RECORDS.
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