IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR A LOAN – To help fight the funding of terrorism and money laundering activities, and to comply with the spirit of federal law requiring all financial institutions to obtain, verify, and record information that identifies each person who applies for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license number or other identifying documents.
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CONSENT TO ELECTRONIC COMMUNICATIONS:
You must consent to transact business with Big Picture Loans, LLC, a duly licensed Financial Services Licensee of the Lac Vieux Desert Tribal Financial Services Regulatory Authority, an independent regulatory body of the Lac Vieux Desert Band of Lake Superior Chippewa Indians, through electronic communications in order for us to process your loan application. The following terms and conditions govern electronic communications in connection with your loan application, Loan Agreement (if approved) and any communications regarding your account with us (the "Consent").
By checking the indicated box below, you are electronically signing this Consent, and are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
You agree that:
Any disclosure, notice, record or other type of information that is provided to you in connection with your transaction with us, including but not limited to, the Loan Agreement, this Consent, the Truth in Lending disclosures set forth in the Loan Agreement, Privacy Notice, change-in-terms notices, fee and transaction information, statements, delayed disbursement letters, notices of adverse action, and other applicable brochures and disclosures (collectively, "Communications"), may be sent to you electronically by posting the information at our website, www.BigPictureLoans.com, or by sending it to you by email from us or any vendor contracted through us at any time.
- We will not be obligated to provide any Communication to you in paper form unless you specifically request us to do so.
- You may obtain a copy of any Communication by contacting us at [email protected] or by calling us at 1.800.584.4880.
You agree to provide us with your current email address for Communications. If your email address changes, you must notify us of your new email address at least five (5) days before the change to ensure that you continue to receive timely Communications about your loan.
In order to receive electronic communications in connection with this transaction, you will need a working connection to the Internet. Your browser must support the Secure Sockets Layer (SSL) protocol and (at least) 128 bit encryption. SSL provides a secure channel to send and receive data over the Internet through HS encryption capabilities. Microsoft Internet Explorer 10 or above, Mozilla Firefox 28 or higher, or equivalent software support this feature. You will also need a printer connected to your computer to print disclosures/notices. We do not provide ISP services. You must have your own Internet Service Provider.
- We may amend (add to, delete or change) the terms of this Consent by providing you with advance notice.
- You agree that you are able to view and/or electronically store the information presented at this website. You also agree to print and retain a copy of this Consent for your records.
You are free to withdraw your Consent at any time and at no charge. If at any time you wish to withdraw your Consent, you can send us your written request by mail to Big Picture Loans, LLC, P.O. Box 704, Watersmeet, MI 49969 with the details of such request. If you decide to withdraw your Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.
By electronically signing this Consent, you are confirming that: (1) your system meets the requirements set forth above; (2) you agree to receive Communications electronically; and (3) you are able to access and print or store information presented at this website.
YOUR ELECTRONIC SIGNATURE: You acknowledge and agree that when you check the indicated box below, you are providing your electronic signature on this document that is fully enforceable against you. By electronically signing this document, you are agreeing to all the terms and conditions set forth in the Consent and certifying that all information you have provided in connection with this transaction is complete and accurate. You agree that your electronic signature shall have the same force and effect, and shall bind you to this Consent in the same manner and to the true extent as a physical signature would do, in accordance the Electronic Signatures in Global and National Commerce Act ("ESIGN") to the extent applicable. You also agree that this Consent and all related documents are electronic records and that, as such, they may be transferred, authenticated, stored, and transmitted by electronic means.