As part of your relationship with us, we are required to provide you certain information in writing. In order to use electronic records and signatures throughout our relationship with you, we must receive your consent. Please read and consent to the terms outlined below. 

This Electronic Signatures in Global and National Commerce Act (ESIGN) Disclosure and Consent Agreement specifically relates to the use of electronic records and electronic signatures in your interactions with Viking Capital. It also explains your rights and responsibilities when conducting business with Viking Capital that involve the use of electronic communications and documentation. 

By proceeding, you (referring to “Account Owner(s)” or “Applicant(s)” or “Borrower(s)”) are agreeing to the electronic delivery of agreements, disclosures, notices, and any other documents (collectively referred to as “Communications”) required by related to your loan application with Viking Capital. 

In this ESIGN Consent: 

• “We,” “us,” “our” and “Viking” means Viking Capital, and each and every current and future affiliate of Viking Capital.
• “You” and “your” means the person(s) giving this ESIGN Consent, and also each additional account owner, coborrower, authorized signer, authorized representative, delegate, product owner and/or service user identified on any product that you apply for, use or access.
• “Communications” means each disclosure, notice, agreement, fee schedule, statement, record, document, and other information we provide to you, or that you sign, submit, or agree to at our request.
• “Electronic Service” means every service we offer that you apply for, use, or access using the Internet, a website, email, messaging services (including text messaging), and/or software applications, either now or in the future. The words “include” and “including,” when used at the beginning of a list of one or more items, indicates that the list contains examples; the list is not exclusive or exhaustive, the items in the list are only illustrations, and the items are not the only possible items that could appear in the list.

By providing your consent, you are confirming that you have the hardware and software described below, that you are able to receive and review Electronic Records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your Viking Capital Products.

Additional examples of Electronic Records covered by this ESIGN Consent include:

1. This ESIGN Consent and any amendments;
2. Our Online Access Agreement, other service or user agreements for online access, and all amendments to any of these agreements;
3. All of the Communications related to Viking, except for those excluded by the terms of this ESIGN Consent;
4. All of the periodic account and activity statements, disclosures and notices we provide to you concerning your inquiry;
5. Any notice or disclosure regarding fees or assessments of any kind, including but not limited to borrower fees, loan origination fees, and fee refunds (if applicable);
6. Notices of amendments to any of your agreements with us; and
7. Other disclosures and notices that we are legally required to provide to you, or choose to provide to you in our discretion.

Consent: Your consent applies to all communications related to your relationship with Viking Capital. These communications may include, but are not limited to: agreements, disclosures, statements, notices, tax forms, and any other communications regarding the products that Viking offers.

This consent applies to loans, services, and communications you may receive from us, unless and until you withdraw your consent.

Contact Information: You agree to provide us with your current and complete email address and promptly update us of any changes. You may update your contact information by:

• By sending us an email at [email protected],
• Calling us at 904-686-1702 and speaking to a representative, or
• Writing us by postal mail at 814 Jimmy Buffett Mem Hwy Suite 204, Ponte Vedra Beach, FL 32082

Delivery Methods: Communications may be delivered electronically via email, text message, or through our website (www.poolloan.net). You agree electronic delivery of communications has the same meaning and effect as if we provided you with physical (paper, non-electronic) documentation.

Your consent to receive communications electronically does not mean we will send all communications electronically; we may, at our discretion, send physical (paper, non-electronic) copies in instead of or in addition to electronic ones.

Retention of Communications: Communications are considered delivered when we send them to your email. It is your responsibility to regularly check your email and electronic banking systems for communications from us. We recommend that you download, print, or otherwise retain copies of all communications for your records.

Physical (Paper, Non-Electronic) Documentation: You are entitled to request a physical copy of any electronic communication. To receive a physical copy of a communication, please contact us by:

• Visiting our website (www.poolloan.net) or sending us an email at [email protected],
• Calling us at 904-686-1702 and speaking to a representative, or
• Writing us by postal mail at 814 Jimmy Buffett Mem Hwy Suite 204, Ponte Vedra Beach, FL 32082

A fee of $25 per document will be assessed for paper copies of electronic documents, unless charging a fee is prohibited by applicable law. In the event that issues arise which could affect the processing or delivery of such copies, you will be notified.

Hardware and Software Requirements: To access and retain electronic communications, you must have the following:

• A valid email address that is capable of receiving and displaying communications from us;
• The ability to open and read PDF documents; and
• A current web browser.

If hardware or software requirements change in a way that could materially impact your ability to access or retain future electronic communications, we will notify you of the revised requirements. At that time, you will also have the right to withdraw your consent without penalty.

Security and Privacy Responsibilities: You are responsible for maintaining the security of any devices, software, credentials, or other means you use to access Viking systems, services, accounts, or information. You must ensure your security protections, such as antivirus software and operating systems) are current and agree to promptly notify Viking of any unauthorized access, use, or suspected compromise of your accounts, credentials, or access methods.

Withdrawing Consent: You have the right to withdraw your consent to receive electronic communications at any time, without charge, however, Viking will cancel your application in process. To withdraw your consent
and cancel your in-process loan application, please contact us with your request to withdraw by:

• By sending us an email at [email protected],
• Calling us at 904-686-1702 and speaking to a representative, or
• Writing us by postal mail at 814 Jimmy Buffett Mem Hwy Suite 204, Ponte Vedra Beach, FL 32082

Receipt of your request to withdraw consent for electronic communications will be effective only after we have had a reasonable opportunity to act and process it, which may include additional verification.