This E-Signature and Electronic Disclosure Agreement (E-Sign Agreement) applies to all communications, documents, disclosures, and electronic signatures related to the products, services and accounts offered or accessible through the entire application process. The agreement pertains to all applicants, co-applicants and other individuals listed on any application or form including beneficiaries and authorized users, if applicable. You agree to conduct the transactions offered through this online application process by electronic means and acknowledge that all documents, disclosures, forms, and other information related to such transactions will be provided to you through a web-based electronic interface, mobile application, or email. You further agree that all transactions completed through this entire process will result in valid and legally-binding agreements. You also agree that you have adequate access to a computer or mobile device with sufficient internet connectivity to conduct transactions online or through use of a mobile device.