3. If the member emails the Agreement to the borrower and the borrower is unable to e-sign or to print/scan the Agreement to provide a signature:

The borrower may acknowledge their acceptance via email (without any signature) if the following steps are taken:

• A member includes the text of the entire Agreement into an email message to the borrower (i.e., the Agreement cannot be in an attachment to the email);
• The email message must include the FHLB Des Moines electronic/facsimile signature clause noted above, and 
• The email message must conclude by asking the borrower to:

Please acknowledge and agree to the terms and conditions set forth in this email by replying to this message: “I agree to the terms and conditions set forth in the email below.” Each borrower must then type his or her name below such statement.