1. No consent or waiver shall be required as a condition of doing business with any financial institution, and any consent or waiver obtained from a customer as a condition of doing business with a financial institution shall not be deemed a consent of the customer for the purpose of this chapter.

2. A valid consent must be in writing and signed by the customer. In consenting to disclosure of customer information, a customer may specify any of the following: a. The time during which such consent will operate. b. The customer information to be disclosed. c. The persons, governmental agencies, or law enforcement agencies to which disclosure may be made.