Common use of Agreement to Conduct Transactions by Electronic Means Clause in Contracts

Agreement to Conduct Transactions by Electronic Means. This E-Signature and Electronic Disclosures Agreement (“E-Sign Agreement”) applies to all communications, documents, notices, disclosures and electronic signatures related to the products, services and accounts offered through this electronic means for all applicants, co-applicants and other individuals listed on any application or form including beneficiaries and authorized users, if applicable. Described below are the terms and conditions for providing to you such communications, documents, notices and disclosures electronically. You agree to conduct the transactions offered through this online process by electronic means and acknowledge that all disclosures, forms, notices, terms and conditions, and documents (such as copies of appraisals) and other information related to such transactions will be provided to you through a web-based electronic interface or email. You further agree that all transactions completed through this online process will result in valid and legally binding agreements. You also agree that you have adequate access to a computer with sufficient internet connectivity to conduct these transactions online. Your device must meet minimum requirements outlined below. AGREEMENT TO USE ELECTRONIC SIGNATURES You specifically agree that any electronic signatures that you provide through this online process are valid and enforceable as your legal signature. You acknowledge that these electronic signatures will legally bind you to the terms and conditions contained in the related documents just as if you had physically signed the same documents with a pen.

Agreement to Conduct Transactions by Electronic Means. This E-Signature and Electronic Disclosures Agreement (“E-Sign Agreement”) applies to all communications, documents, notices, disclosures and electronic signatures related to the products, services and accounts offered through this electronic means for all applicants, co-applicants and other individuals listed on any application or form including beneficiaries and authorized users, if applicable. Described below are the terms and conditions for providing to you such communications, documents, notices and disclosures electronically. You agree to conduct the transactions offered through this online process by electronic means and acknowledge that all disclosures, forms, notices, terms and conditions, and documents (such as copies of appraisals) and other information related to such transactions will be provided to you through a web-based electronic interface or email. You further agree that all transactions completed through this online process will result in valid and legally binding agreements. You also agree that you have adequate access to a computer with sufficient internet connectivity to conduct these transactions online. Your device must meet minimum requirements outlined below. AGREEMENT TO USE ELECTRONIC SIGNATURES Agreement to Use Electronic Signatures You specifically agree that any electronic signatures that you provide through this online process are valid and enforceable as your legal signature. You acknowledge that these electronic signatures will legally bind you to the terms and conditions contained in the related documents just as if you had physically signed the same documents with a pen.

Agreement to Conduct Transactions by Electronic Means. This E-Signature and Electronic Disclosures Agreement (“E-Sign Agreement”) applies to all communications, documents, notices, disclosures and electronic signatures related to the products, services and accounts offered through this electronic means for all applicants, co-applicants and other individuals listed on any application or form including beneficiaries and authorized users, if applicable. Described below are the terms and conditions for providing to you such communications, documents, notices and disclosures electronically. You agree to conduct the transactions transfers offered through this online process the Service by electronic means and acknowledge that all documents, disclosures, forms, notices, terms and conditions, and documents (such as copies of appraisals) forms and other information related to such transactions will be provided to you through a mobile or web-based electronic interface or email. Each time you use this Service and submit information to the Bank you agree to the electronic access, receipt and acceptance of documents, disclosures and forms. You may not use this Service unless you agree to receive documents by electronic means. You further agree that you intend to electronically contract with us for the Service and that all transactions completed through this online process Service will result in valid and legally binding agreements. You also agree that you have adequate access to a computer or mobile phone with sufficient internet connectivity to conduct these transactions online. Your device must You acknowledge that you meet minimum the hardware and software requirements outlined to access this Service as described below. AGREEMENT TO USE ELECTRONIC SIGNATURES Agreement to Use Electronic Signatures By checking the “I accept the terms of service” check box you are electronically signing this E-Sign Agreement and the Terms of Use related to the Services. You specifically agree that any electronic signatures that you provide through this online process are valid and enforceable as your legal signature. You acknowledge that these electronic signatures will legally bind you to the terms and conditions contained in the related E-Sign Agreement and Terms of Use documents just as if you had physically signed the same documents with a pen.

Agreement to Conduct Transactions by Electronic Means. This E-Signature and Electronic Disclosures Agreement (“E-Sign Agreement”) applies to all communications, documents, notices, disclosures and electronic signatures related to the products, services and accounts offered through this electronic means for all applicants, co-applicants and other individuals listed on any application or form including beneficiaries and authorized users, if applicable. Described below are the terms and conditions for providing to you such communications, documents, notices and disclosures electronically. You agree to conduct the transactions transfers offered through this online process the Service by electronic means and acknowledge that all documents, disclosures, forms, notices, terms and conditions, and documents (such as copies of appraisals) forms and other information related to such transactions will be provided to you through a mobile or web-based electronic interface or email. Each time you use this Service and submit information to the Credit Union you agree to the electronic access, receipt and acceptance of documents, disclosures and forms. You may not use this Service unless you agree to receive documents by electronic means. You further agree that you intend to electronically contract with us for the Service and that all transactions completed through this online process Service will result in valid and legally binding agreements. You also agree that you have adequate access to a computer or mobile phone with sufficient internet connectivity to conduct these transactions online. Your device must You acknowledge that you meet minimum the hardware and software requirements outlined to access this Service as described below. AGREEMENT TO USE ELECTRONIC SIGNATURES Agreement to Use Electronic Signatures By checking the “I accept the terms of service” check box you are electronically signing this E-Sign Agreement and the Terms of Use related to the Services. You specifically agree that any electronic signatures that you provide through this online process are valid and enforceable as your legal signature. You acknowledge that these electronic signatures will legally bind you to the terms and conditions contained in the related E-Sign Agreement and Terms of Use documents just as if you had physically signed the same documents with a pen.