Common use of Electronic Communications Agreement Clause in Contracts

Electronic Communications Agreement. Unless you indicate otherwise, you understand that you are consenting, initially and on a continuing basis to receive electronic (instead of paper) communications, records of periodic statements, tax information and other notices regarding your transactions and accounts. If you are opening an account online, you must accept electronic delivery of all disclosures. Electronic communications mean that we will make information available to you on our website, within Online or Mobile Banking or other applicable website. We may send a notice to your email address in our records that such information is available with instructions on how to access it. If we determine that an email message to you regarding any disclosure is undeliverable, we may, at our discretion, choose to send a paper copy of that information via the U.S. mail, addressed to the statement mailing address for your account in our records. We may elect to electronically communicate with you via the short message service (SMS) text application of your cellular device. SMS communications will be delivered to the mobile phone number contained in our records. Acceptance of this agreement constitutes express consent on your behalf that we may communicate with you via SMS and that message and data rates from your cellular carrier may apply for any and all messages transmitted. Should you wish at any time to no longer receive SMS communications, you may communicate this change in preference at any time via SMS, a Secure Message in Online Banking, the Mobile App or at 000-000-0000 The method of electronic delivery is at our sole discretion. Here is a list of some of the communications you may get electronically: • Notices and information about Online and Mobile Banking and our other online banking services and your use of these services - including changes to or termination of Online and Mobile Banking and other online banking agreements or privileges, etc., or • Disclosures that we are required by law to provide or make available to you in writing - for example, Electronic Funds Transfers Disclosure, Funds Availability Disclosure, Truth in Savings Disclosures, privacy notice, adverse action notice, etc., or • Notices and information transmitted in, on or with account statements - for example, ATM Safety, changes to our Membership Agreements and Disclosures, etc., or • Information, notices and communications about your accounts - for example, account statements, NSF notices, holds placed on your account or funds deposited into your account, late payment notices, loan papers, etc. • Information to verify your identify for account access. Electronic information is available for 18 months. To print, download or retain electronic communications, you must have access to and ability to operate: • A personal computer capable of internet connectivity, and • Internet web browser capable of 128-bit encryption, and • An operating system capable of supporting PDF format, Adobe® Acrobat® Reader® software, email software and • Minimum screen resolution, and for non-responsive content 1024 x 768 pixels • Minimum screen resolution for responsive content 320 pixels wide • Printer capable of printing or a hard drive capable of storing data, and • Valid and current email account. Please provide a current email address and keep us informed of any email address changes. We are not liable for any third party fees, other legal liability or any other issues or liabilities arising from electronic communications sent to an invalid or inactive email address. In addition, if due to a bad email address we mail a Courtesy Paper Notice of eStatement availability, we may assess a fee (see Consumer Schedule of Fees) for each month the paper notification is sent. If you have questions about the hardware or software requirements, wish to withdraw your consent, or to request a paper copy (photocopy and research fees apply) of your records of periodic statements, tax information and other notices regarding your transactions and accounts, contact a Member Services Specialist via one of the following: • Call (000) 000-0000 or (000) 000-0000, during member service hours; or • Contact us by logging into Online Banking at xxx.XxxxxxxXxxxxxx.xxx or the Mobile App and sending a Secure Message; or • Write: Premier America Credit Union, P.O. Box 2178, Chatsworth, CA 91313-2178

Electronic Communications Agreement. Unless you indicate otherwise, you understand that you are consenting, initially and on a continuing basis to receive electronic (instead of paper) communications, records of periodic statements, tax information and other notices regarding your transactions and accounts. If you are opening an account onlinechoose to receive paper statements and notices, you must accept electronic delivery a fee may apply. See Business Schedule of all disclosuresFees. Electronic communications mean means that we will make information available to you on our website, within Online or Mobile Banking or other applicable website. We may send a notice to your email address in our records that such information is available with instructions on how to access it. If we determine that an email message to you regarding any disclosure is undeliverable, we may, at our discretion, choose to send a paper copy of that information via the U.S. mail, addressed to the statement mailing address for your account in our records. We may elect to electronically communicate with you via the short message service (SMS) text application of your cellular device. SMS communications will be delivered to the mobile phone number contained in our records. Acceptance of this agreement constitutes express consent on your behalf that we may communicate with you via SMS and that message and data rates from your cellular carrier may apply for any and all messages transmitted. Should you wish at any time to no longer receive SMS communications, you may communicate this change in preference at any time via SMS, a Secure Message in Online Banking, the Mobile App or at 000-000-0000 The method of electronic delivery is at our sole discretion. Here is a list of some of the communications you may get electronically: • Notices and information about Online and Mobile Banking and our other online banking services and your use of these services - including changes to or termination of Online and Mobile Banking and other online banking agreements or privileges, etc., or • Disclosures that we are required by law to provide or make available to you in writing - for example, Electronic Funds Transfers Disclosure, Funds Availability Disclosure, Truth in Savings Disclosures, privacy notice, adverse action notice, etc., or • Notices and information transmitted in, on or with account statements - for example, ATM Safety, changes to our Business Account Membership Agreements and Disclosures, etc., or • Information, notices and communications about your accounts - for example, account statements, NSF notices, holds placed on your account or funds deposited into your account, late payment notices, loan papers, etc. • Information to verify your identify for account access. Electronic information is available for 18 months. To print, download or retain electronic communications, you must have access to and ability to operate: • A personal computer capable of internet Internet connectivity, and • Internet web Internet/Web browser capable of 128-bit encryption, and • An operating system capable of supporting PDF format, Adobe® Acrobat® Reader® software, email software and • Minimum Monitor with minimum 800x600 screen resolution, and for non-responsive content 1024 x 768 pixels • Minimum screen resolution for responsive content 320 pixels wide • Printer capable of printing text screens or a hard drive capable of storing data, and • Valid and current email account. Please provide a current email address and keep us informed of any email address changes. We are not liable for any third party fees, other legal liability or any other issues or liabilities arising from electronic communications sent to an invalid or inactive email address. In addition, if due to a bad email address we mail a Courtesy Paper Notice of eStatement availability, we may assess a fee (see Consumer Business Schedule of Fees) for each month the paper notification is sent. If you have questions about the hardware or software requirements, wish to withdraw your consent, or to request a paper copy (photocopy and research fees apply) of your records of periodic statements, tax information and other notices regarding your transactions and accounts, contact a Member Services Specialist via one of the following: • Call (000) 000-0000 or (000) 000-0000, option 0, during member service hours; or • Contact us by logging into Online Banking at xxx.XxxxxxxXxxxxxx.xxx or the Mobile App xxx.xxxxxxxxxxxxxx.xxx and sending a Secure Messagean email through that secure channel; or • Write: Premier America Credit Union, P.O. Box 2178, Chatsworth, CA 91313-2178

Electronic Communications Agreement. Unless you indicate otherwise, you understand that you are consenting, initially and on a continuing basis to receive electronic (instead of paper) communications, records of periodic statements, tax information and other notices regarding your transactions and accounts. If you are opening an account online, you must accept electronic delivery of all disclosures. Electronic communications mean that we will make information available to you on our website, within Online or Mobile Internet Banking or other applicable website. We may send a notice to your email address in our records that such information is available with instructions on how to access it. If we determine that an email message to you regarding any disclosure is undeliverable, we may, at our discretion, choose to send a paper copy of that information via the U.S. mail, addressed to the statement mailing address for your account in our records. We may elect to electronically communicate with you via the short message service (SMS) text application of your cellular device. SMS communications will be delivered to the mobile phone number contained in our records. Acceptance of this agreement constitutes express consent on your behalf that we may communicate with you via SMS and that message and data rates from your cellular carrier may apply for any and all messages transmitted. Should you wish at any time to no longer receive SMS communications, you may communicate this change in preference at any time via SMS, a Secure Message in Online Banking, the Mobile App or at 000-000-0000 The method of electronic delivery is at our sole discretion. Here is a list of some of the communications you may get electronically: • Notices and information about Online and Mobile Internet Banking and our other online banking services and your use of these services - including changes to or termination of Online and Mobile Internet Banking and other online banking agreements or privileges, etc., or • Disclosures that we are required by law to provide or make available to you in writing - for example, Electronic Funds Transfers Disclosure, Funds Availability Disclosure, Truth in Savings Disclosures, privacy notice, adverse action notice, etc., or • Notices and information transmitted in, on or with account statements - for example, ATM Safety, changes to our Business Account Membership Agreements and Disclosures, etc., or • Information, notices and communications about your accounts - for example, account statements, NSF notices, holds placed on your account or funds deposited into your account, late payment notices, loan papers, etc. • Information to verify your identify for account access. Electronic information is available for 18 months. To print, download or retain electronic communications, you must have access to and ability to operate: • A personal computer capable of internet Internet connectivity, and • Internet web Internet/Web browser capable of 128-bit encryption, and • An operating system capable of supporting PDF format, Adobe® Acrobat® Reader® software, email software and • Minimum Monitor with minimum 800x600 screen resolution, and for non-responsive content 1024 x 768 pixels • Minimum screen resolution for responsive content 320 pixels wide • Printer capable of printing text screens or a hard drive capable of storing data, and • Valid and current email account. Please provide a current email address and keep us informed of any email address changes. We are not liable for any third party fees, other legal liability or any other issues or liabilities arising from electronic communications sent to an invalid or inactive email address. In addition, if due to a bad email address we mail a Courtesy Paper Notice of eStatement availability, we may assess a fee (see Consumer Business Schedule of Fees) for each month the paper notification is sent. If you have questions about the hardware or software requirements, wish to withdraw your consent, or to request a paper copy (photocopy and research fees apply) of your records of periodic statements, tax information and other notices regarding your transactions and accounts, contact a Member Services Specialist via one of the following: • Call (000) 000-0000 or (000) 000-0000, 0000 during member service hours; or • Contact us by logging into Online Internet Banking at xxx.XxxxxxxXxxxxxx.xxx or the Mobile App xxx.xxxxxxx.xxx and sending a Secure Messagean email through that secure channel; or • Write: Premier America Credit Union, P.O. Box 2178, Chatsworth, CA 91313-2178

Electronic Communications Agreement. Unless you indicate otherwise, you understand that you are consenting, initially and on a continuing basis to receive electronic (instead of paper) communications, records of periodic statements, tax information and other notices regarding your transactions and accounts. If you are opening an account online, you must accept electronic delivery of all disclosures. Electronic communications mean that we will make information available to you on our website, within Online or Mobile Banking or other applicable website. We may send a notice to your email address in our records that such information is available with instructions on how to access it. If we determine that an email message to you regarding any disclosure is undeliverable, we may, at our discretion, choose to send a paper copy of that information via the U.S. mail, addressed to the statement mailing address for your account in our records. The method of electronic delivery is at our sole discretion. We may elect to electronically communicate with you via the short message service (SMS) text application of your cellular device. SMS communications will be delivered to the mobile phone number contained in our records. Acceptance of this agreement constitutes express consent on your behalf that we may communicate with you via SMS and that message and data rates from your cellular carrier may apply for any and all messages transmitted. Should you wish at any time to no longer receive SMS communications, you may communicate this change in preference at any time via SMS, a Secure Message in Online Banking, the Mobile App Banking or at 0-000-000-0000 0000. The method of electronic delivery is at our sole discretion. Here is a list of some of the communications you may get electronically: • Notices and information about Online and Mobile Banking and our other online banking services and your use of these services - including changes to or termination of Online and Mobile Banking and other online banking agreements or privileges, etc., or • Disclosures that we are required by law to provide or make available to you in writing - for example, Electronic Funds Transfers Disclosure, Funds Availability Disclosure, Truth in Savings Disclosures, privacy notice, adverse action notice, etc., or • Notices and information transmitted in, on or with account statements - for example, ATM Safety, changes to our Membership Agreements and Disclosures, etc., or • Information, notices and communications about your accounts - for example, account statements, NSF notices, holds placed on your account or funds deposited into your account, late payment notices, loan papers, etc. • Information to verify your identify identity for account access. Electronic information is Online periodic statements are available for 18 months. To print, download or retain electronic communications, you must have access to and ability to operate: • A personal computer capable of internet connectivity, and • Internet web Internet/Web browser capable of 128-bit encryption, and • An operating system capable of supporting PDF format, Adobe® Acrobat® Reader® software, email software and • Minimum Monitor with minimum 800x600 screen resolution, and for non-responsive content 1024 x 768 pixels • Minimum screen resolution for responsive content 320 pixels wide • Printer capable of printing text screens or a hard drive capable of storing data, and • Valid and current email account. Please provide a current email address and keep us informed of any email address changes. We are not liable for any third party fees, other legal liability or any other issues or liabilities arising from electronic communications sent to an invalid or inactive email address. In addition, if due to a bad email address we mail a Courtesy Paper Notice of eStatement availability, we may assess a fee (see Consumer Schedule of Fees) for each month the paper notification is sent. If you have questions about the hardware or software requirements, wish to withdraw your consent, or to request a paper copy (photocopy and research fees apply) of your records of periodic statements, tax information and other notices regarding your transactions and accounts, contact a Member Services Specialist via one of the following: • Call (000) 000-0000 or (000) 000-0000, during member service hours; or • Contact us by logging into Online Banking at xxx.XxxxxxxXxxxxxx.xxx or the Mobile App and sending a Secure Messagean email through that secure channel; or • Write: Premier America Credit Union, P.O. Box 2178, Chatsworth, CA 91313-2178

Electronic Communications Agreement. Unless you indicate otherwise, you understand that you are consenting, initially and on a continuing basis to receive electronic (instead of paper) communications, records of periodic statements, tax information and other notices regarding your transactions and accounts. If you are opening an account online, you must accept electronic delivery of all disclosures. Electronic communications mean that we will make information available to you on our website, within Online or Mobile Banking or other applicable website. We may send a notice to your email address in our records that such information is available with instructions on how to access it. If we determine that an email message to you regarding any disclosure is undeliverable, we may, at our discretion, choose to send a paper copy of that information via the U.S. mail, addressed to the statement mailing address for your account in our records. We may elect to electronically communicate with you via the short message service (SMS) text application of your cellular device. SMS communications will be delivered to the mobile phone number contained in our records. Acceptance of this agreement constitutes express consent on your behalf that we may communicate with you via SMS and that message and data rates from your cellular carrier may apply for any and all messages transmitted. Should you wish at any time to no longer receive SMS communications, you may communicate this change in preference at any time via SMS, a Secure Message in Online Banking, the Mobile App or at 000-000-0000 The method of electronic delivery is at our sole discretion. Here is a list of some of the communications you may get electronically: • Notices and information about Online and Mobile Banking and our other online banking services and your use of these services - including changes to or termination of Online and Mobile Banking and other online banking agreements or privileges, etc., or • Disclosures that we are required by law to provide or make available to you in writing - for example, Electronic Funds Transfers Disclosure, Funds Availability Disclosure, Truth in Savings Disclosures, privacy notice, adverse action notice, etc., or • Notices and information transmitted in, on or with account statements - for example, ATM Safety, changes to our Membership Agreements and Disclosures, etc., or • Information, notices and communications about your accounts - for example, account statements, NSF notices, holds placed on your account or funds deposited into your account, late payment notices, loan papers, etc. • Information to verify your identify for account access. Electronic information is available for 18 months. To print, download or retain electronic communications, you must have access to and ability to operate: • A personal computer capable of internet connectivity, and • Internet web Internet/Web browser capable of 128-bit encryption, and • An operating system capable of supporting PDF format, Adobe® Acrobat® Reader® software, email software and • Minimum Monitor with minimum 800x600 screen resolution, and for non-responsive content 1024 x 768 pixels • Minimum screen resolution for responsive content 320 pixels wide • Printer capable of printing text screens or a hard drive capable of storing data, and • Valid and current email account. Please provide a current email address and keep us informed of any email address changes. We are not liable for any third party fees, other legal liability or any other issues or liabilities arising from electronic communications sent to an invalid or inactive email address. In addition, if due to a bad email address we mail a Courtesy Paper Notice of eStatement availability, we may assess a fee (see Consumer Schedule of Fees) for each month the paper notification is sent. If you have questions about the hardware or software requirements, wish to withdraw your consent, or to request a paper copy (photocopy and research fees apply) of your records of periodic statements, tax information and other notices regarding your transactions and accounts, contact a Member Services Specialist via one of the following: • Call (000) 000-0000 or (000) 000-0000, option 0, during member service hours; or • Contact us by logging into Online Banking at xxx.XxxxxxxXxxxxxx.xxx or the Mobile App and sending a Secure Messagean email through that secure channel; or • Write: Premier America Credit Union, P.O. Box 2178, Chatsworth, CA 91313-2178

Electronic Communications Agreement. Unless you indicate otherwise, you understand that you are consenting, initially and on a continuing basis to receive electronic (instead of paper) communications, records of periodic statements, tax information and other notices regarding your transactions and accounts. If you are opening an account online, you must accept electronic delivery of all disclosures. Electronic communications mean that we will make information available to you on our website, within Online or Mobile Banking or other applicable website. We may send a notice to your email address in our records that such information is available with instructions on how to access it. If we determine that an email message to you regarding any disclosure is undeliverable, we may, at our discretion, choose to send a paper copy of that information via the U.S. mail, addressed to the statement mailing address for your account in our records. We may elect to electronically communicate with you via the short message service (SMS) text application of your cellular device. SMS communications will be delivered to the mobile phone number contained in our records. Acceptance of this agreement constitutes express consent on your behalf that we may communicate with you via SMS and that message and data rates from your cellular carrier may apply for any and all messages transmitted. Should you wish at any time to no longer receive SMS communications, you may communicate this change in preference at any time via SMS, a Secure Message in Online Banking, the Mobile App or at 000-000-0000 The method of electronic delivery is at our sole discretion. Here is a list of some of the communications you may get electronically: • Notices and information about Online and Mobile Banking and our other online banking services and your use of these services - including changes to or termination of Online and Mobile Banking and other online banking agreements or privileges, etc., or • Disclosures that we are required by law to provide or make available to you in writing - for example, Electronic Funds Transfers Disclosure, Funds Availability Disclosure, Truth in Savings Disclosures, privacy notice, adverse action notice, etc., or • Notices and information transmitted in, on or with account statements - for example, ATM Safety, changes to our Membership Agreements and Disclosures, etc., or • Information, notices and communications about your accounts - for example, account statements, NSF notices, holds placed on your account or funds deposited into your account, late payment notices, loan papers, etc. • Information to verify your identify for account access. Electronic information is available for 18 months. To print, download or retain electronic communications, you must have access to and ability to operate: • A personal computer capable of internet connectivity, and • Internet web Internet/Web browser capable of 128-bit encryption, and • An operating system capable of supporting PDF format, Adobe® Acrobat® Reader® software, email software and • Minimum Monitor with minimum 800x600 screen resolution, and for non-responsive content 1024 x 768 pixels • Minimum screen resolution for responsive content 320 pixels wide • Printer capable of printing text screens or a hard drive capable of storing data, and • Valid and current email account. Please provide a current email address and keep us informed of any email address changes. We are not liable for any third party fees, other legal liability or any other issues or liabilities arising from electronic communications sent to an invalid or inactive email address. In addition, if due to a bad email address we mail a Courtesy Paper Notice of eStatement availability, we may assess a fee (see Consumer Schedule of Fees) for each month the paper notification is sent. If you have questions about the hardware or software requirements, wish to withdraw your consent, or to request a paper copy (photocopy and research fees apply) of your records of periodic statements, tax information and other notices regarding your transactions and accounts, contact a Member Services Specialist via one of the following: • Call (000) 000-0000 or (000) 000-0000, during member service hours; or • Contact us by logging into Online Banking at xxx.XxxxxxxXxxxxxx.xxx or the Mobile App and sending a Secure Messagean email through that secure channel; or • Write: Premier America Credit Union, P.O. Box 2178, Chatsworth, CA 91313-2178