Abstract: A provider computing system is configured to receive a request from a computing device of a customer to receive access to one or more disclosure documents associated with a financial account in electronic format, send an electronic consent request to the computing device of the customer to receive the one or more disclosure documents in electronic format, receive a response from the computing device of the customer accepting the electronic consent request, transmit to the computing device of the customer and display on the computing device of the customer the one or more disclosure documents, and create and store an audit trail in a memory location of a customer database associated with a customer account associated with the customer identifier, where the audit trail includes a confirmations that the customer consented to receive the disclosure documents in electronic format and was provided access to the disclosure documents.

Abstract: A system includes a processor and machine readable storage media having instructions stored therein. The instructions, when executed by the processor, cause the processor to receive input indicating whether a customer of a financial institution has a mobile device, to receive an indication from the customer via the mobile device acknowledging that the customer has been given access to disclosure documents, and to provide the customer with a financial product based on the indication.

Abstract: A system includes a processor and machine readable storage media having instructions stored therein. The instructions, when executed by the processor, cause the processor to receive input indicating whether a customer of a financial institution has a mobile device, to receive an indication from the customer via the mobile device acknowledging that the customer has been given access to disclosure documents, and to provide the customer with a financial product based on the indication.

Abstract: A system includes a processor and machine readable storage media having instructions stored therein. The instructions, when executed by the processor, cause the processor to receive input indicating whether a customer of a financial institution has a mobile device, to receive an indication from the customer via the mobile device acknowledging that the customer has been given access to disclosure documents, and to provide the customer with a financial product based on the indication.

Abstract: An ice agitation system includes an adaptor and an ice agitator. The adaptor includes a disk portion and an auger mounting channel. The auger mounting channel is configured to mount to a shaft of an auger such that the adaptor rotates with the shaft of the auger. The auger mounting channel extends in a direction parallel to and offset from a center axis of a disk formed by the disk portion. The ice agitator includes a hook and an arm that extends from the hook away from the center axis of the disk. The hook is mounted to the disk.

Abstract: An ice agitation system includes an adaptor and an ice agitator. The adaptor includes a disk portion and an auger mounting channel. The auger mounting channel is configured to mount to a shaft of an auger such that the adaptor rotates with the shaft of the auger. The auger mounting channel extends in a direction parallel to and offset from a center axis of a disk formed by the disk portion. The ice agitator includes a hook and an arm that extends from the hook away from the center axis of the disk. The hook is mounted to the disk.

Abstract: The innovation relates to a system and/or methodology for the convenient and consistent determination of rate exceptions for banking products. The system provides for a rate exception component that determines one or more proposed exception rates based on a customer's score, and information regarding the competitive banking environment for similar banking products. The customer scores and competitive banking environment data are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur.

Abstract: A semiconductor device thermal connection used to remove heat from a semiconductor device, such as an integrated circuit, includes a metallic barrier layer on the semiconductor device, and a high thermal conductivity material on the metallic barrier layer that joins the semiconductor device to a thermal heat spreader. The metallic barrier layer may be one or more sputtered layers, and the high thermal conductivity material may be a metallic material, for instance including indium, that is soldered onto the sputtered material. The high thermal conductivity material may form a primary thermal connection in conducting heat away from the semiconductor device. A secondary thermal connection may be made between the heat spreader and a heat sink. The secondary thermal connection may include a compressible solid carbon fiber material. A diaphragm may be used to contain the carbon fiber material, to prevent carbon fibers from coming into contact with the semiconductor device.

Abstract: A snow-retaining device comprises a detachable upper member attached to a base anchor. The base anchor is adapted to be coupled to a roof. The upper member prevents snow from sliding off the roof during regular snow conditions. In order to prevent catastrophic damage to the roof, if a snow load on the roof exceeds a maximum threshold, the upper member detaches from the base anchor to allow some or all of the snow to slide off the roof. The device optionally integrates a snow melting device.

Abstract: The innovation relates to a system and/or methodology for the convenient and consistent determination of fee refunds for financial products. The system provides for a fee refund component that determines a proposed fee refund based on a customer's score, and information regarding the financial institution's fee refund policies. The customer scores and fee refund policies are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur.

Abstract: The innovation relates to a system and/or methodology for the convenient and consistent determination of rate exceptions for banking products. The system provides for a rate exception component that determines one or more proposed exception rates based on a customer's score, and information regarding the competitive banking environment for similar banking products. The customer scores and competitive banking environment data are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur.

Abstract: A seam clamp for attachment to a standing seam on a metal roof does not damage the seam during use. The clamp is easily assembled and disassembled by the user. Roofing accessories can be attached to the seam clamp.

Abstract: A semiconductor device thermal connection used to remove heat from a semiconductor device, such as an integrated circuit, includes a metallic barrier layer on the semiconductor device, and a high thermal conductivity material on the metallic barrier layer that joins the semiconductor device to a thermal heat spreader. The metallic barrier layer may be one or more sputtered layers, and the high thermal conductivity material may be a metallic material, for instance including indium, that is soldered onto the sputtered material. The high thermal conductivity material may form a primary thermal connection in conducting heat away from the semiconductor device. A secondary thermal connection may be made between the heat spreader and a heat sink. The secondary thermal connection may include a compressible solid carbon fiber material. A diaphragm may be used to contain the carbon fiber material, to prevent carbon fibers from coming into contact with the semiconductor device.

Abstract: A base element for assembly of a roofing bracket comprises a fastening means for temporarily or attaching the base element to a metal or non-metal roof and an upper surface. The upper surface comprises a means for engagement of an underside of an upper member of the roofing bracket. The upper member can be selectively attached to the base element in a first or second position.

Abstract: A snow barrier for a roof having modular components including brackets that slidingly interfit into rails that extend up and down the slope of the roof. The brackets may be rotated to provide fences of differing heights. A corrugated fence is easily installed by reason of a self-positioning, hooked, upper flange formed along the upper edge of the corrugated fence. The corrugated fence may be modular, being built-up of smaller, corrugated strips. Pads may replace the rails in supporting the brackets or the brackets may be fastened directly to the roof.