Common use of Electronic Signatures and National Commerce Act Clause in Contracts

Electronic Signatures and National Commerce Act. (ESIGN) This notice is to provide you with your rights under the Electronic Signatures and National Commerce Act (ESIGN). By opening an account online or enrolling in Online banking you must consent to conduct business electronically, which includes receiving all pertinent disclosures for products and/or e-services selected now or in the future, in electronic format. You will not be asked for your consent again. Please provide us with your email address so we can contact you in regards to the status of your application and provide you with any further information you may be receiving electronically. If you prefer to receive any record provided to you or made available in a paper form instead of electronic, the forms are available at all branch locations and can be printed from our website at xxx.xxxxxxxxxxxxxxxxxxxx.xxx. If you would like to receive any forms or disclosures in a hard copy version after consent you may do so by calling a representative at 586-772- 6330 or visiting any of our branch locations. If you request any initial documents electronically or in paper form, there will not be a fee. If you choose to not conduct your financial affairs in this format or do not wish to consent you may withdraw your consent. There will be no fees or consequences, other than those fees that are disclosed in the disclosure and Fee Schedule, if you choose to withdraw your consent. In order to withdraw consent you must stop the online application process and come to any of our branch locations if you wish to open an account. Minimum hardware and software requirements for online banking: Members’ must have the following to use CFCU online home banking:  A computer with a Modem (Dial-up, Cable, DSL, etc.)  Access to the Internet through an Internet Service Provider (for example, Comcast, AT&T, America Online, Wow).  Browser software that supports Secure Sockets Layer (SSL) security. Full browser requirements are available on the Online Banking Troubleshooting page.  An Android or iPhone with the most recent operating system may also be used to access your accounts through Mobile Banking.

Electronic Signatures and National Commerce Act. (ESIGN) This notice is to provide you with your rights under the Electronic Signatures and National Commerce Act (ESIGN). By opening an account online or enrolling in Online banking you must consent to conduct business electronically, which includes receiving all pertinent disclosures for products and/or e-services selected now or in the future, in electronic format. You will not be asked for your consent again. Please provide us with your email address so we can contact you in regards to the status of your application and provide you with any further information you may be receiving electronically. If you prefer to receive any record provided to you or made available in a paper form instead of electronic, the forms are available at all branch locations and can be printed from our website at xxx.xxxxxxxxxxxxxxxxxxxx.xxx. If you would like to receive any forms or disclosures in a hard copy version after consent you may do so by calling a representative at 586-772- 6330 or visiting any of our branch locations. If you request any initial documents electronically or in paper form, there will not be a fee. If you choose to not conduct your financial affairs in this format or do not wish to consent you may withdraw your consent. There will be no fees or consequences, other than those fees that are disclosed in the disclosure and Fee Schedule, if you choose to withdraw your consent. In order to withdraw consent you must stop the online application process and come to any of our branch locations if you wish to open an account. Minimum hardware and software requirements for online banking: Members’ must have the following to use CFCU online home banking:  ▪ A computer with a Modem (Dial-up, Cable, DSL, etc.)  ▪ Access to the Internet through an Internet Service Provider (for example, Comcast, AT&T, America Online, Wow).  ▪ Browser software that supports Secure Sockets Layer (SSL) security. Full browser requirements are available on the Online Banking Troubleshooting page.  ▪ An Android or iPhone with the most recent operating system may also be used to access your accounts through Mobile Banking.

Electronic Signatures and National Commerce Act. (ESIGN) This notice is to provide you with your rights under the Electronic Signatures and National Commerce Act (ESIGN). By opening an account online or enrolling in Online banking you must consent to conduct business electronically, which includes receiving all pertinent disclosures for products and/or e-services selected now or in the future, in electronic format. You will not be asked for your consent again. Please provide us with your email address so we can contact you in regards to the status of your application and provide you with any further information you may be receiving electronically. If you prefer to receive any record provided to you or made available in a paper form instead of electronic, the forms are available at all branch locations and can be printed from our website at xxx.xxxxxxxxxxxxxxxxxxxx.xxx. If you would like to receive any forms or disclosures in a hard copy version after consent you may do so by calling a representative at 586000-772- 6330 000-0000 or visiting any of our branch locations. If you request any initial documents electronically or in paper form, there will not be a fee. If you choose to not conduct your financial affairs in this format or do not wish to consent you may withdraw your consent. There will be no fees or consequences, other than those fees that are disclosed in the disclosure and Fee Schedule, if you choose to withdraw your consent. In order to withdraw consent you must stop the online application process and come to any of our branch locations if you wish to open an account. Minimum hardware and software requirements for online banking: Members’ must have the following to use CFCU online home banking:  ▪ A computer with a Modem (Dial-up, Cable, DSL, etc.)  ▪ Access to the Internet through an Internet Service Provider (for example, Comcast, AT&T, America Online, Wow).  ▪ Browser software that supports Secure Sockets Layer (SSL) security. Full browser requirements are available on the Online Banking Troubleshooting page.  ▪ An Android or iPhone with the most recent operating system may also be used to access your accounts through Mobile Banking.