Receipt of cellular phone calls (including text messages) may be subject to service provider charges. Message and Data Rates May Apply. If you listed a cell phone number in your application or provide an updated cell phone number, then you authorize Meritize Financial Inc. (“Meritize”), individually, and on behalf of Blue Ridge Bank, and our affiliates, agents, assigns and service providers to call (including sending SMS text messages) using automatic telephone dialing systems, automatic texting systems and artificial or prerecorded messages to your cell phone number to provide account information and services regarding your Blue Ridge Bank or Meritize credit product. Meritize, individually and on behalf of Blue Ridge Bank, may contact you regarding your account including to assist you with completion of your application, notify you of transaction approval, provide payment reminders, and conduct collection efforts. You agree to notify Meritize immediately if you change your number or transfer your phone to another person. You understand text messages may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. If you do not want to receive calls and/or SMS text messages, you can unsubscribe by sending an email to firstname.lastname@example.org or by calling a customer service representative at 833-637-4848 specifying your preference. To stop text messages, you can also simply reply “STOP” to any text message we may send you. You further agree that Meritize, individually, and on behalf of Blue Ridge Bank, may send e-mails to you at any e-mail address you provide us or use other electronic means of communication to the extent permitted by law. Consent may be revoked at any time and by any reasonable means.