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By providing this consent, you agree to receive them electronically instead.  You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, \"**Communications**\") that we, Upstart Network, Inc. (“**Upstart**”) and/or Ridgewood Savings Bank including our affiliates and subsidiaries or our agents, successors and assigns, or service providers, provide in connection with any loan inquiry, loan offer, loan, or any other products or service you receive  from Ridgewood Savings Bank on Ridgewood Savings Bank’s website and/or on www.upstart.com or any of its subdomains, and the servicing of any loan you receive from Ridgewood Savings Bank your consent gives permission to communicate with you electronically in regard to any activity related to the Ridgewood Savings Bank product and services accessed through the website(s), and is not specific to any loan, inquiry, product, service, or transaction.\r\n\r\nCommunications include, as applicable:\r\n- Any information provided to you about any loan inquiry or loan offers, including your interest rate, finance charges and APR, and the final terms of your loan;\r\n- Any information provided to you about  any product, service, or transaction you receive;\r\n- Any terms and conditions and policies you agree to, including updates to these agreements or policies, and other authorizations you provide;\r\n- Any documents or disclosures provided to you, including payment receipts, notices of default, and federal and state tax statements; and\r\n- Any other information relating to your relationship to Upstart and Ridgewood Savings Bank.  \r\n\r\n\u003cp\u003eWe will provide these Communications to you by posting them on the \u003ca href=\"https://www.ridgewoodbank.upstart.com/\"\u003eRidgewood Bank\u003c/a\u003e website after you log-in, and/or by emailing them to you at your registered email address.  \u003cu\u003e\u2028\u2028It is your responsibility to keep your registered email address up to date so that we can communicate with you electronically.\u003c/u\u003e  You have the right to request paper copies of any communication.  Paper copies can be requested by calling (833) 568-7838 during our operating hours 9:00 AM EST to 5:00 PM EST, each Monday through Friday that are Business Days.\r\n\r\nIn order to access and retain electronic Communications, you will need: a computer with an Internet connection; a current web browser that includes 128-bit encryption and with cookies enabled (e.g. Microsoft Edge version 9.0 and above, Firefox version 87.0 and above, Chrome version 89.0 and above, or Safari 13.0 and above); a valid email address; and sufficient storage space to save past Communications or an installed printer to print them.  You confirm that you have access to the necessary equipment and software to receive and save/print our Communications to you.\r\n\r\nYou have the right to withdraw consent and may withdraw your consent to receive Communications electronically or update information needed to contact you electronically by emailing us at ridgewoodbank.support@upstart.com; by calling us at (833) 568-7838 during our operating hours 9:00 AM EST to 5:00 PM EST, each Monday through Friday that are Business Days; or by writing to us via regular mail at Ridgewood Savings Bank Operations, P.O. Box 1503, San Carlos, CA 94070.  If you withdraw your consent prior to completing your application, you will not be able to complete the application process and therefore will not be issued a loan. If you withdraw your consent to receive Communications electronically, we reserve the right to charge you additional fees for paper copies - up to $10. \r\n\r\nYou acknowledge that we may amend this policy at any time by posting a revised version on our website. If we make a material change to this policy we will also send a notice to your registered email address.\r\n\r\n\r\nLast Update: October 20, 2021\r\n\r\n\u003c/p\u003e","version":"20211004_11:48:04","category":"esign_consent","documentId":975,"legalDocumentUuid":"b0ae79c7-ca65-4612-b6eb-f99d07f0395c","path":"/esign_consent?legal_document_id=975","referral":false,"issuingBankName":"Ridgewood Savings Bank","substitutionProps":{"mailingAddressOneLine":"P.O. 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Ridgewood Savings Bank may use your consumer report for any legal purpose, including authenticating your identity, making decisions related to your loan, sending you invitations to apply or making follow-up loan offers, and servicing or collecting any loan that you receive.\r\n\r\nFor New York, Rhode Island and Vermont Residents: A consumer report may be obtained from a consumer-reporting agency in connection with your application. Upon your request (i) you will be informed whether or not consumer reports were obtained and (ii) if reports were obtained, you will be informed of the names and addresses of the credit reporting agencies that furnished the reports. A consumer report may also be requested or used in connection with any renewals or extensions, reviews or collection actions, or other legitimate purpose associated with any loan we may grant you.\r\n\r\n##### Identity Verification\r\n\r\n* * *\r\n\r\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you.\r\n\r\n##### Application Verification\r\n\r\n* * *\r\n\r\nYou authorize Ridgewood Savings Bank to verify any information in your online application through third party databases or by contacting third parties, including your college and any prior employers. Further, you acknowledge Ridgewood Savings Bank may also ask to see your driver’s license, your college transcripts or other identifying or supporting documents at any time.\r\n\r\nPlease note Ridgewood Savings Bank may terminate consideration of, or decline, your application at any time for any reason. If Ridgewood Savings Bank elects to do this, and you have not withdrawn your consent to electronic communication, Ridgewood Savings Bank will provide a notice to you in the Ridgewood Personal Loan website message box (a link on the website toolbar after you log-in), and by sending it to you at the email address you registered with on the Ridgewood Personal Loan website. In the event that electronic communication consent has been withdrawn, the notice will be mailed to the address provided in your application.\r\n\r\nLast Modified: February 16, 2023\r\n\u003c/p\u003e","version":"20230216_13:14:58","category":"credit_consent","documentId":2273,"legalDocumentUuid":"fb1fd76c-fdde-4ba1-8e1c-c5be49d46c53","path":"/credit_consent?legal_document_id=2273","referral":false,"issuingBankName":"Ridgewood Savings Bank"},"privacyPolicy":{"trackLegalConsentPath":"/legal_consents/track","documentText":"## Ridgewood Savings Bank Privacy Policy\r\n\r\nClick [here] (https://www.ridgewoodbank.com/home/disclosure/privacy) for Ridgewood Savings Bank's privacy notice. The privacy policy of our service provider Upstart is below. \r\n\r\n***\r\n## Upstart Privacy Policy\u003cp class=\"center h3\"\u003e\r\n\r\nClick [here] (https://www.upstart.com/privacy_policy) for Upstart Privacy Policy, our service provider for Ridgewood Savings Bank, and who also\r\nreceives your information. \u003c/p\u003e","version":"20251222_12:14:19","category":"privacy_policy","documentId":3999,"legalDocumentUuid":"b46aa1ce-7250-4e8a-9dd2-3d750cbfbf72","path":"/privacy_policy?legal_document_id=3999","referral":false,"issuingBankName":"Ridgewood Savings Bank"}}},"issuingBank":{"name":"Ridgewood Savings Bank","slug":"ridgewoodbank","bankLogo":"https://lending-partner-theme.aws.upstart.com/production/primary_logos/ridgewoodbank-1661272140.png"},"currentDate":"2026-07-08","complexIncomeDocWarningEnabled":false,"inDevelopmentEnvironment":false,"fffastEnabled":false,"autoSecuredPersonalLoanIneligibleStates":["Armed Forces Africa/Canada/Europe/Middle East","Armed Forces Americas","Armed Forces Pacific","Colorado","Connecticut","District of Columbia","Iowa","Maine","Maryland","Nevada","New York","Vermont","West Virginia","American Samoa","Guam","Northern Mariana Islands","Puerto Rico","U.S. Virgin Islands","Nevada","Connecticut","Colorado","Iowa","Maine","Maryland","Northern Mariana Islands","Puerto Rico","U.S. Virgin Islands","District of Columbia","American Samoa","Guam","New York","Vermont","West Virginia"],"experiments":{"defaultSmsOptInEnabled":false,"turndownPlaidAssetsEnabled":true,"reviewRedesignExperiment":false,"incomeStepOptimizationEnabled":false,"helocQuestionAndConsentEnabled":false,"autoSecuredPersonalLoanFundingFormQuestionEnabled":false,"inUofOtherTreatment":false,"fundingFormLoanAmountDisclaimer":null,"skipNameStep":false,"eligibleForPrefill":false,"nonAffiliateConsentEnabled":false,"incomeModalIaEnabled":true,"removeSSNBeforeGR":false,"inAddressVerification":false,"inProgressTracker":false,"inAdvancedPhoneValidation":false,"inPartnerApiTrafficFFStepsTreatment":false,"inNoCreditImpactTreatment":false,"fastTrackVariant":"control","mintRedesignVariant":null,"progressBarImprovementVariant":"control","inLoginRedirect":false,"neuroIdEnabled":true,"fundingFormSchemaValidation":false,"plFfModularization":false,"isWhiteLabelDynamicFetchEnabledForConsents":true,"inSweepstakes":false},"maxedOutStatesProp":[],"helpCenterLink":"https://upstarthelp.upstart.com/en_US/borrower-verification/soft-vs-hard-credit-inquiries-what-you-need-to-know","isEmailCaptureFlow":true,"deviceFingerprintEnabled":true,"maxedOutStatesUrl":"/funding_form/get_maxed_out_states_for_pl","hideExperimentForm":false,"chatbotExperimentEnabled":false,"submitPath":"/create_from_upstart_basic_signup","pqs_lead_uuid":null,"affiliateDataSharingOptIn":true,"helocMinLoanAmount":10000,"helocCrossSellStates":["Alabama","Alaska","Arizona","Arkansas","California","Colorado","Connecticut","Delaware","District of Columbia","Florida","Georgia","Idaho","Illinois","Indiana","Iowa","Kansas","Kentucky","Louisiana","Maine","Michigan","Mississippi","Montana","Nebraska","New Hampshire","New Jersey","New Mexico","North Carolina","North Dakota","Ohio","Oklahoma","Oregon","Pennsylvania","South Carolina","South Dakota","Tennessee","Utah","Virginia","Washington","West Virginia","Wisconsin","Wyoming"],"loanType":"initial","webClientUuid":"1d638c80-1e59-4150-8f5a-3746eafde0bc","signupPrefiller":{},"inSweepstakes":false}