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TOTAL VISA CARD -- ELECTRONIC COMMUNICATIONS …

TOTAL VISA CARD -- ELECTRONIC COMMUNICATIONS DISCLOSURE DISCLOSURE and consent TO USE ELECTRONIC RECORDS AND SIGNATURES: We are required by law to give you certain information "in writing" in connection with your TOTAL Visa credit card account ( Account ). This means you are entitled to receive it on paper unless we receive your consent to provide this information to you electronically. We also need your general consent to use ELECTRONIC records and signatures in our relationship with you. So, before you complete your application for an Account, you must review and consent to the terms outlined below.

your consent to provide this information to you electronically. We also need your general consent to use electronic records and signatures in our relationship with you. So, before you complete your application for an Account, you must review and consent to the terms outlined below. In this disclosure and consent:

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