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An electronic signature is defined as an electronic symbol or process, attached to or logically associated with a record, and executed or adopted by a person with the intent to sign the record.

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Similarly, an online lender might experience default rates significantly in excess of those of peer lenders, but other evidence may show that the lender followed policies and procedures similar to those used by other lenders and that the high default rate resulted from a high number of fraudulent applications.

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