Electronic Signature Act Disclosure

The Federal Electronic Signature Act (E-Sign) allows us to offer electronic disclosures through our website, provided that you have the right to choose whether or not you wish to accept them. Before you proceed, you must read the following important information concerning your rights and our obligations about electronic Internet disclosures and select your response from the available options.

1. Receiving Electronic Disclosures. Before you consent to receiving electronic disclosures in connection with any FCMC service, you should have equipment that will accept and display Internet access using Internet Explorer 5.0 or greater or Netscape Communicator 6.2 or greater with a minimum of 128-bit strong encryption.

2. Right to request written disclosures. You have the right at any time to ask for and receive written copies of all disclosures that we are required to provide you in connection with this Internet banking activity. You may request a written copy of an electronic disclosure at any time and we will send you a copy of any disclosure without charge.

3. Limitation of your consent. Your consent is limited solely to this online service. You will still have the right to require written disclosures for any other service we provide. You also have the right to withdraw your consent at any time and you will receive all future disclosures in writing along with information about any fees or conditions that may arise.

4. Procedures for withdrawing your consent. In the event you decide to withdraw your consent to receive electronic disclosures, you must notify us in writing or by telephone which online service for which you require written disclosures and give us the address, we will mail our disclosures to you at the address currently on file in the bank's records for your particular service or services.

5. How to contact us. If you decide to withdraw your consent to receive electronic disclosures, or wish to update personal information including your email address, or if you would like to receive a printed copy of any disclosure, contact us at:

FCMC Mortgage Corp.
1373 Broad Street, Suite 312
Clifton, NJ 07013
973-574-0900
973-574-0999 (fax)

6. Affirmative consent. By proceeding to the following message, you acknowledge that you are able to read and retain all of the disclosures available on this site. You also confirm that you have carefully reviewed this e-Sign Disclosures.

By indicating that you agree to receive electronic disclosures, you may continue with the application process. Your loan application will be e-mailed to you or, upon your request, mailed to you, for your signature.

I agree to accept the E- disclosures online. I would like to proceed with my application.	I decline to accept the E-disclosures on-line. Please return me to the homepage.
I agree	I decline