Exhibit F — USA v. OKOJIE (Dkt. 46.6)

Record facts

U.S. District Court for the Southern District of Georgia · No. 4:22-cr-00084-LGW-BWC · Doc. 46-6 · 2022-10-26 · Docket on CourtListener

Full text

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CERTIFICATE OF AUTHENTICITY  
OF BUSINESS RECORDS PURSUANT TO FEDERAL 
RULE OF EVIDENCE 902(11) 
I, _______________________________, attest on penalty of criminal punishment for 
false statement or false attestation that I am/was the ________________________________(Title)
of ___________________________________________________________ from 
_____________ through ______________, and that I also am/was a custodian of records for that 
same time period. 
I have reviewed the attached records. I certify that these records are the original or 
duplicate copies of the original records in the custody of ___________________________, 
located at _________________________________________________________________.I 
further state that: 
A) such records were made, at or near the time of the occurrence of the matters set forth, by
(or from information transmitted by) a person with knowledge of those matters; 
B) such records were kept in the course of a regularly conducted business activity;
C) the business activity made such records as a regular practice; and
D) if such record is not the original, such record is a duplicate of the original.
I certify, under the penalties of perjury, that the foregoing is true and accurate, to the best 
of my knowledge and belief. 
Executed on:  _____________________ 
Signature:  
______________________ 
Location: 
______________________ 
Samantha Beechan
Program Manager
Cross River Bank
Cross River Bank
DocuSign Envelope ID: CC55E355-C2FA-49DF-88EA-196E7BA244AC
9/30/2022
Case 4:22-cr-00084-LGW-BWC     Document 46-6     Filed 10/26/22     Page 1 of 6

Certificate Of Completion
Envelope Id: CC55E355C2FA49DF88EA196E7BA244AC
Status: Completed
Subject: Complete with DocuSign: SBA Request Galon Presley Certificate of Authenticity.pdf
Source Envelope: 
Document Pages: 1
Signatures: 1
Envelope Originator: 
Certificate Pages: 5
Initials: 0
Gina Tercero
AutoNav: Enabled
EnvelopeId Stamping: Enabled
Time Zone: (UTC-05:00) Eastern Time (US & Canada)
gtercero@crossriverbank.com
IP Address: 66.206.202.204 
Record Tracking
Status: Original
             9/30/2022 3:58:24 PM
Holder: Gina Tercero
             gtercero@crossriverbank.com
Location: DocuSign
Signer Events
Signature
Timestamp
Samantha Beechan
sbeechan@crossriver.com
Program Manager
Security Level: Email, Account Authentication 
(None)
Signature Adoption: Pre-selected Style
Using IP Address: 71.8.164.159
Sent: 9/30/2022 3:59:36 PM
Viewed: 9/30/2022 4:16:11 PM 
Signed: 9/30/2022 4:16:16 PM
Electronic Record and Signature Disclosure: 
      Accepted: 9/30/2022 4:16:11 PM
      ID: ab5ecacd-9703-482a-9bdf-3087962e5695
In Person Signer Events
Signature
Timestamp
Editor Delivery Events
Status
Timestamp
Agent Delivery Events
Status
Timestamp
Intermediary Delivery Events
Status
Timestamp
Certified Delivery Events
Status
Timestamp
Carbon Copy Events
Status
Timestamp
Spencer Lord
slord@crossriver.com
Security Level: Email, Account Authentication 
(None)
Sent: 9/30/2022 3:59:36 PM
Viewed: 9/30/2022 4:37:58 PM 
Electronic Record and Signature Disclosure: 
      Not Offered via DocuSign
Witness Events
Signature
Timestamp
Notary Events
Signature
Timestamp
Envelope Summary Events
Status
Timestamps
Envelope Sent
Hashed/Encrypted
9/30/2022 3:59:37 PM
Certified Delivered
Security Checked
9/30/2022 4:16:11 PM
Signing Complete
Security Checked
9/30/2022 4:16:16 PM
Completed
Security Checked
9/30/2022 4:16:16 PM
Payment Events
Status
Timestamps
Electronic Record and Signature Disclosure
Case 4:22-cr-00084-LGW-BWC     Document 46-6     Filed 10/26/22     Page 2 of 6

ELECTRONIC RECORD AND SIGNATURE DISCLOSURE  
From time to time, Cross River Bank (we, us or Company) may be required by law to provide to 
you certain written notices or disclosures. Described below are the terms and conditions for 
providing to you such notices and disclosures electronically through the DocuSign system. 
Please read the information below carefully and thoroughly, and if you can access this 
information electronically to your satisfaction and agree to this Electronic Record and Signature 
Disclosure (ERSD), please confirm your agreement by selecting the check-box next to ‘I agree to 
use electronic records and signatures’ before clicking ‘CONTINUE’ within the DocuSign 
system.  
 
Getting paper copies  
At any time, you may request from us a paper copy of any record provided or made available 
electronically to you by us. You will have the ability to download and print documents we send 
to you through the DocuSign system during and immediately after the signing session and, if you 
elect to create a DocuSign account, you may access the documents for a limited period of time 
(usually 30 days) after such documents are first sent to you. After such time, if you wish for us to 
send you paper copies of any such documents from our office to you, you will not be charged a 
fee. You may request delivery of such paper copies from us by following the procedure 
described below.  
 
Withdrawing your consent  
If you decide to receive notices and disclosures from us electronically, you may at any time 
change your mind and tell us that thereafter you want to receive required notices and disclosures 
only in paper format. How you must inform us of your decision to receive future notices and 
disclosure in paper format and withdraw your consent to receive notices and disclosures 
electronically is described below.  
 
Consequences of changing your mind  
If you elect to receive required notices and disclosures only in paper format, it will slow the 
speed at which we can complete certain steps in transactions with you and delivering services to 
you because we will need first to send the required notices or disclosures to you in paper format, 
and then wait until we receive back from you your acknowledgment of your receipt of such 
paper notices or disclosures. Additionally, some electronic services and products may not be 
available to you in an electronic format. You may be required to conduct these transactions or 
services telephonically or by physically visiting a branch location. Further, you will no longer be 
able to use the DocuSign system to receive required notices and disclosures electronically or sign 
documents electronically received from us.  
Electronic Record and Signature Disclosure created on: 7/14/2020 6:19:42 PM
Parties agreed to: Samantha Beechan
Case 4:22-cr-00084-LGW-BWC     Document 46-6     Filed 10/26/22     Page 3 of 6

 
All notices and disclosures will be sent to you electronically  
Unless you tell us otherwise in accordance with the procedures described herein, we will provide 
electronically to you through the DocuSign system all required notices, disclosures, 
authorizations, acknowledgements, and other documents that are required to be provided or made 
available to you during the course of our relationship with you, except those made available 
through Online/Mobile Banking and periodic bank account statements which require a separate 
enrollment process for electronic delivery. Additionally, if a document related to your account or 
service is not available in electronic form, a paper copy will be provided to you free of charge. 
To reduce the chance of you inadvertently not receiving any notice or disclosure, we prefer to 
provide all of the required notices and disclosures to you by the same method and to the same 
address that you have given us. Thus, you can receive all the disclosures and notices 
electronically or in paper format through the paper mail delivery system. If you do not agree with 
this process, please let us know as described below. Please also see the paragraph immediately 
above that describes the consequences of your electing not to receive delivery of the notices and 
disclosures electronically from us.  
 
How to contact Cross River Bank:  
You may contact us to let us know of your changes as to how we may contact you electronically, 
to request paper copies of certain information from us, and to withdraw your prior consent to 
receive notices and disclosures electronically as follows:  
To contact us by email send messages to: docusignnotifications@crossriver.com 
 
To advise Cross River Bank of your new email address  
To let us know of a change in your email address where we should send notices and disclosures 
electronically to you, you must send an email message to us at 
docusignnotifications@crossriver.com and in the body of such request you must state: your 
previous email address and your new email address. Upon receipt, we may require additional 
information to verify your identity in order to change your email address, such as name; last four 
digits of social security number; date of birth; account number in question; transaction 
information unique to the account in question such as date of last deposit, amount or check 
number of last check written, remitter of direct deposit, etc.  
If you created a DocuSign account, you may update it with your new email address through your 
account preferences.  
 
To request paper copies from Cross River Bank  
To request delivery from us of paper copies of the notices and disclosures previously provided 
by us to you electronically, you must send us an email to docusignnotifications@crossriver.com 
Case 4:22-cr-00084-LGW-BWC     Document 46-6     Filed 10/26/22     Page 4 of 6

and in the body of such request you must state your email address, full name, mailing address, 
and telephone number. 
 
To withdraw your consent with Cross River Bank  
To inform us that you no longer wish to receive future notices and disclosures in electronic 
format you may:  
i. decline to sign a document from within your signing session, and on the subsequent page, 
select the checkbox indicating you wish to withdraw your consent, or you may;  
ii. send us an email to docusignnotifications@crossriver.com and in the body of such request you 
must state your email, full name, mailing address, and telephone number. We do not need any 
other information from you to withdraw consent. The consequences of your withdrawing consent 
for online documents will be that transactions may take a longer time to process and some 
electronic services and products may not be available to you in an electronic format. You may be 
required to conduct these transactions or services telephonically or by physically visiting a 
branch location.  
 
Required hardware and software  
The minimum system requirements for using the DocuSign system may change over time. The 
current system requirements are found here: https://support.docusign.com/guides/signer-guide-
signing-system-requirements. 
 
Acknowledging your access and consent to receive and sign documents electronically  
To confirm to us that you can access this information electronically, which will be similar to 
other electronic notices and disclosures that we will provide to you, please confirm that you have 
read this ERSD, and (i) that you are able to print on paper or electronically save this ERSD for 
your future reference and access; or (ii) that you are able to email this ERSD to an email address 
where you will be able to print on paper or save it for your future reference and access. Further, 
if you consent to receiving notices and disclosures exclusively in electronic format as described 
herein, then select the check-box next to ‘I agree to use electronic records and signatures’ before 
clicking ‘CONTINUE’ within the DocuSign system.  
By selecting the check-box next to ‘I agree to use electronic records and signatures’, you confirm 
that:  
 
You can access and read this Electronic Record and Signature Disclosure; and 
 
You can print on paper this Electronic Record and Signature Disclosure, or save or send 
this Electronic Record and Disclosure to a location where you can print it, for future 
reference and access; and 
Case 4:22-cr-00084-LGW-BWC     Document 46-6     Filed 10/26/22     Page 5 of 6

 
Until or unless you notify Cross River Bank as described above, you consent to receive 
exclusively through electronic means all notices, disclosures, authorizations, 
acknowledgements, and other documents that are required to be provided or made 
available to you by Cross River Bank during the course of your relationship with Cross 
River Bank, except those made available through Online/Mobile Banking and periodic 
bank account statements which require a separate enrollment process for electronic 
delivery.  
Case 4:22-cr-00084-LGW-BWC     Document 46-6     Filed 10/26/22     Page 6 of 6

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