Electronic Documents and Signatures Disclosures and Consent Agreement

As a cost and time saving benefit to all members, DCCU offers electronic documents and disclosures along with the ability to affix electronic signatures to agreements and contracts, including new account and loan agreements. These services are offered in compliance with the Federal Electronic Signatures in Global and National Commerce Act (ESIGN). This law ensures the validity and enforceability of documents signed electronically and protects both consumers and businesses while conducting transactions online. In order to take advantage of this free and convenient service, please read the disclosures below, and then follow the steps to consent to receive electronic disclosures and notices from DCCU. In the disclosures “you” and “your” means a consumer and/or a member of DuPont Community Credit Union. “We” and “our” means DuPont Community Credit Union.

Availability of Paper Delivery or Paper Copies

You have the right to receive paper copies of notices and disclosures we are required by law to provide to you. These include, but are not limited to, periodic account statements, Truth-in-Savings and Truth-in-Lending disclosures, and copies of any documents you sign to set up and modify accounts or loans with us.

Consenting to the electronic delivery of notices, statements, and disclosures does not waive your right to receive paper copies of these documents. You may request individual paper copies of any form, document, statement, contract, or disclosure at any time. These documents will be reproduced at a cost of $1 per page. To request paper copies anytime you may:

• Call 1.800.245.8085
• Visit any of our branch offices
• Write a letter to:
  DuPont Community Credit Union
  P.O. Box 1365
  Waynesboro, VA 22980

If you choose to consent to receive these and other disclosures in electronic form, you may withdraw that consent at any time. You may withdraw your consent by logging in to the Online Banking platform and clicking on the “Preferences” tab. If you choose to withdraw your consent you will lose the ability to review statement and document copies through DCCU’s Online Banking platform. If you no longer meet the technical (hardware and software) requirements (see below) for enrollment in Online Banking please inform in writing at the address above.

Electronic Documents

As a participant in our Electronic Documents and Signatures program you will receive periodic account statements and federally required notices, disclosures and forms electronically. We may add to or remove documents from this list at our discretion. Keep in mind that you can always request paper copies of any document (see Availability of Paper Delivery or Paper Copies).

What to do When Your Contact Information Changes

In order to enroll in Online Banking and to participate in the Electronic Documents and Signatures program, you must provide us with a valid email address. However, we recognize that you may change your email address from time to time. If we send an email to the address you provided and that email is returned as undeliverable, several things will happen. First, our system will automatically attempt to deliver the email one more time, just in case there were hardware or software issues that prevented delivery. If this attempt fails, our system will flag your email address as bad. This will prevent delivery of all future emails to that address. You will be informed of this action the next time you log in to the Online Banking platform and/or the next time you visit one of our branches or call our Service Center, giving you the opportunity to change your email address.

Technical (Hardware and Software) Requirements

In order to receive and view your electronic statements, notices, disclosures, and forms you must be able to access the Internet. To view your periodic account statements you must be enrolled in DCCU’s Online Banking platform and be able to log in with your username and password. Viewing your statements via Online Banking does not require additional software. However, some of our forms, disclosures, or promotional materials may require Adobe Acrobat or a word processing program (such as Microsoft Word or Apple Pages) to view. Adobe Acrobat is available online at no cost to you. Word and Pages are available from their manufacturers for a cost or you may find another word processing program of your choice available on the Internet (prices set by provider). It is your responsibility to maintain the technology needed to continue to access the Online Banking platform and view your statements and other documents.

In the event that these technical (hardware and software) requirements change, DCCU will notify you by email and/or through our website.

Consent and Agreement

I agree with the terms and conditions set forth in this Electronic Document and Signatures Consent Agreement. I understand that I will receive electronic copies of periodic statements and federally mandated disclosures and notices. I may, at my discretion, give notice of the withdrawal of my consent. By this acknowledgment (i.e . checking a box or other method indicating my review and understanding of this document) I am affixing my electronic signature in accordance with the Federal ESIGN Act.

Rev. 05/13