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Electronic Communications Disclosure

Electronic Communications Disclosure and Consent Agreement

Please read this Electronic Communications Disclosure and Consent Agreement (“Disclosure”) thoroughly – It contains important information about your legal rights.

This Disclosure covers all of your accounts, products, and services with Customer Service Mortgage Corporation, dba CSMC Mortgage (“CSMC”) and its affiliates (collectively, “we”, “us”, and “our”) accessible, either currently or in the future, through our websites, or other electronic means (“Online Services”). The words “I”, “you” and “your” mean each account holder, product owner and/or service user identified on an account, product or service.

1. Your Legal Rights

Certain laws and regulations require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first present this Disclosure and obtain your consent to receive the information electronically. Your consent will also apply to any other person named on your account, product or service, subject to applicable law. By providing your consent to receive communications electronically from us, you confirm that you have the hardware and software needed to receive and access this information.

2. Types of Electronic Communications You Will Receive

You understand and agree that we may provide to you in electronic format only, by posting the information on CSMC’s secure website where you access your account(s), through e-mail (if applicable and if you have provided a valid e-mail address), or other electronic means, agreements, disclosures, statements, notices, and other information and communications regarding your accounts, services and products, the use of our websites or our other electronic services, your relationship with us, and/or other programs, products or services that are or may be in the future made available to you (collectively, “Communications”). Such Communications may include, but are not limited to:

3. Types of Communications You Will Receive in Paper

This Disclosure does not apply to any communications that we determine, in our sole discretion, that we are required to deliver in paper form under applicable law or that you should receive in paper rather than electronic form. Such communications shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement.

4. Hardware and Software Requirements

Most Communications provided electronically are either in HTML and/or PDF format. For Communications provided in PDF format, software compatible with Adobe Reader 6.0 or later versions is required – A free copy of Adobe Reader may be obtained from the Adobe website at

In certain circumstances, some Communications may be provided by e-mail. You are responsible for providing us with a valid e-mail address to accept delivery of Communications. At our option, we may also post the emailed Communications within our websites. In this situation, you agree that once we email the Communications to you and post them within our websites, that we have delivered the Communications to you in a form that you can retain.

To print or download Communications you must have a printer connected to your device or sufficient hard-drive or other storage space to store the Communications.

5. How to Withdraw Your Consent

Subject to applicable law, you may withdraw your consent to this Disclosure by contacting us in writing at 4353 Park Terrace Drive #100, Westlake Village, CA 91361, ATTN: Chief Complaince Officer, or by calling us at 855-486-7852during normal business hours. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications. You will not be charged a fee to process the withdrawal of your consent to receive electronic Communications, however your access and use of the Online Services may be terminated. Any withdrawal of your consent is effective only after CSMC has had a reasonable period of time to process your withdrawal.

Consent Coverage; Certain Notices From You Are Not Covered. Applicable law or contracts sometimes require you to give us “written” notices. You must still provide these notices to us on paper. Your consent here does not relate to those notices.

6. Obtaining Copies of Electronic Communications

You may print or make a copy of Communications by using the “Print” button (or otherwise using your printing functionality) or saving a copy – do this when you first review the Communications because after submission we do not necessarily keep them all in a place that you can access.

Upon request, we will provide you with a paper copy of any Communications provided electronically by us to you pursuant to this Disclosure, provided we receive your request within 12 months after the date the Communication was first made available to you electronically. You may request a paper copy of these Communications by calling us at 855-486-7852.

Be sure to specify your account number, the specific Communication for which you are requesting a paper copy, and the address to which it should be mailed. We may charge fees for paper copies of the Communications.

7. Updating Your Contact Information

It is your responsibility to provide us with true, accurate, and complete information. In the event that your e-mail address or other contact information is changed, you agree to promptly notify us of such changes by calling us at 855-486-7852 and communicating the contact information changes.

If you fail to update or change an incorrect or invalid e-mail address or other contact information, you understand and agree that any Communications shall nevertheless be deemed to have been provided to you if they were made available to you in electronic form on our websites, e-mailed to the e-mail address we have for you in our records, or delivered through other electronic means.

8. Retain Copies for Your Records

All Communications, either electronic or paper format, from us to you will be considered “in writing.” We recommend that you print or download a copy of this Disclosure, the applicable service agreement and all other Communications to retain for your permanent records; if you have not already placed a copy of our Privacy Policy in your records, you can obtain another copy.

9. Termination / Changes

We reserve the right, at any time and at our sole discretion, to discontinue your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

Effective Date: January 3, 2017

“Laura Hertz is the best lender I've ever worked with in my 25 years as a Realtor. I never have to worry that she has things handles and she always performs in the best way possible. I also know that she is an advocate for my buyers and not only does she meet their expectations but she exceeds them! She is my lender for life!”

- Paula K.

“ My experience is always fantastic & seamless. Mayen Grigorian is a true professional. He’s honest, he goes above and beyond, he’s efficient, always available and knowledgeable. I never have to call for updates he beats me to it and sends updates regarding the loan. Our clients are very happy and we’re very happy! Five star service, I can’t say enough good things about Mayen as a person and a professional. Hands down! He’s The Best!”

- Taline S.

“Darci, Mark and their team of professionals made the purchase for our amazing buyers absolutely seamless. The level of service they provide is second to none! They delivered the best rate and the best terms for the clients. Mark and Darci are very transparent with their fees and have a stellar reputation in the community. I highly recommend Darci and Mark for all your mortgage needs!”

- Gabby G.

“Mark, Darci & Co were wonderful to work with! They were responsive, managed a complex buying situation with ease, incredibly communicative and always ensured I was caught up with what was going on and where I was in the process. Heavily recommend!”

- Zach J.

“ Mario provided excellent service. Not only was he professional and helpful, but the personal support and reliability was something hard to find these days. I will not be using anyone else and have confidently referred him to friends and family.”

- Heather C.

“CSMC is always our go to lender. Denise Bizzy is fabulous. She really went the extra mile trouble shooting solutions to problems our client had. I do not believe another lender would have been able to pull this off. Five stars for the A+ service from Denise Bizzy and CSMC Mortgage!”

- Mark L.

“This review is about Mark and Darci Richardson from CSMC Mortage in Simi Valley. This team is the BEST! For the past 12 years our home was "underwater" due to the "crash" in 2007, and unable to do anything with the mortgage except pay it. These two kept on top of things and finally the house qualified to REFI. We just completed everything and it closed last week... and they saved us over $900 a month!! That's a huge savings for a couple of senior citizens! We are SO happy now and finally can breathe. Thanks to Mark and Darci and CSMC Mortgage for following through, jumping through all the hoops necessary and helping us out! I can't recommend them more... they are the BEST!!!”

- Shari S.

“Faye helped me purchase my first home last year. She was very professional and worked very quickly to help me procure financing. She made herself available around my schedule and took the time to explain my options for financing to help me get the lowest rate possible. Would highly recommend her to anyone looking for someone that is professional, highly knowledgeable, polite, and responsive.”

- James Z.