If the E-SIGN agreement was limited to e-statements, that does not cover the use of email to notify them of changes in fees and rates. However, you would be covered if you gave them the fee and rates notices in the form of statement messages that appear on the e-statements they agreed to.
_________________________
John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8