I/We consent to the use of electronic records and electronic signatures in connection with this application and any resulting credit relationship with Peoples Bank of Kentucky (“the Bank”), and agree that:
• Disclosures, notices, and communications may be provided electronically.
• My/our electronic signature has the same legal effect as a handwritten signature.
• I/We have access to a device, internet connection, and the ability to view, save, and print PDF.
• Paper copies may be requested by contacting the Bank.
• Consent may be withdrawn as described in the E-Sign Disclosure, though withdrawal may affect processing.
• A copy of this application will be available for my/our records.
I/We certify that all information provided in this application is true, complete, and correct. I/We understand that any false statements or omissions may result in denial of this application or cancellation of any credit extended. I/We authorize Peoples Bank of Kentucky to obtain consumer credit reports and to verify any information in this application, including employment, income, assets, liabilities, and credit history, from credit bureaus, employers, financial institutions, and other sources as permitted by law. This authorization applies to this online application and throughout the life of any credit relationship, including review, renewal, modification, or collection, and includes information obtained electronically or by any lawful means. I/We authorize the Bank to report information about my/our account to consumer reporting agencies. I/We understand that late payments, missed payments, or other defaults may be reflected in my/our credit report. I/We understand that information provided may be retained by the Bank and shared with affiliates and service providers as permitted by law and the Bank's privacy policy. To help the government fight terrorism and money laundering, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. I/We agree to provide required identifying information and understand that additional documentation may be required before funding. If applying for an auto loan, I/we understand that I/we must maintain insurance coverage on the vehicle naming the Bank as lienholder, as required by the loan agreement. This application does not constitute a commitment to lend. No obligation exists under credit is approved and final loan documents are executed and funds are disbursed.

By clicking “Submit,” I/we acknowledge and agree that:
• I/We have read and agree to all terms above.
• I/We authorize the Bank to obtain and user information as described.
• I/We have reviewed and agree to the E-Sign User Agreement and Disclosure linked above.
• I/We intend to sign this application electronically, and this action constitutes my/our legal electronic signature.