ESIGN Consent to Use Electronic Records or Signatures
Last Revision: 10/23/2013

As part of your relationship with us, we want to ensure you have all of the information you need to effectively manage your accounts. Our goal is to provide you with as many options as possible for receiving your account documents. We are required by law to give you certain information ‘in writing’ – which means you are entitled to receive it on paper. We may provide this information to you electronically, instead, with your prior consent. We also need your general consent to use electronic records and signatures in our relationship with you. Therefore, before you use our Electronic Services, you must review and consent to the terms outlined below.

In this consent ‘We’, ‘us’, ‘our’, and ‘CFCU’ or ‘the credit union’ means Chesterfield Federal Credit Union. ‘You’ and ‘your’ means the person giving this consent, and also each additional account owner, authorized signer, and/or authorized representative identified on any CFCU product that you apply for, use or access. ‘Communications’ means each disclosure, notice, alert, agreement, fee schedule, statement, record, document, and other information we provide to you , or that you sign or submit or agree to at our request. ‘Electronic Service’ means each and every product we offer that you apply for, own, use, administer or access, either now or in the future. CFCU products include Electronic Services.

1. Your consent to use electronic records and signatures;

Choosing to receive Communications electronically or in writing. In our sole discretion, the communications we provide to you, or that you sign or agree to at our request, may be in electronic form (Electronic Records). Please view additional examples of types of communications that we may send as Electronic Records under this consent. We may also use electronic signatures and obtain them from you as part of our transactions with you.

Electronic records may be delivered to you in a variety of ways. These various delivery methods are described in our Electronic Funds Transfer Disclosure and Agreement and in other agreements that we may have with you from time to time. In some cases, you will be able to choose whether to have certain communications electronically or on paper or both. We will provide you with instructions on how to make those choices when they are available.

We may always, in our sole discretion, provide you with any communication in writing, even if you have chosen to receive it electronically.

Sometimes the law, or our agreement with you, requires you to give us a written notice to us on paper, unless we specifically tell you in another communication how you may deliver that notice to us electronically.

2. Certain information must still be provided in writing.

There are certain communications that by law we are not permitted to deliver to you electronically, even with your consent. So long as required by law, we will continue to deliver those communications to you in writing. However, if the law changes in the future and permits any of those communications to be delivered as electronic records, this consent will automatically cover those communications as well.

We will continue to provide your tax statements on paper.

3. Your option to receive paper copies.

If we provide electronic records to you and you want a paper copy, you may contact the appropriate member service department and request a paper version. You will find the appropriate contact information on the account statement or by calling the credit union. You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law. Please refer to the Fee Listing for the current applicable fee that applies to paper copies.

4. Your consent covers all CFCU products.

Your consent covers all communications relating to any CFCU product or service. Your consent remains in effect until you give us notice that you are withdrawing it.

From time to time, you may wish to obtain or begin using a new CFCU product or service from us. When you do, we may remind you that you already have given us your consent to use electronic records and signatures. If you decide not to use the electronic records and signatures in connection with the new product or service, your decision does not mean that you have withdrawn this consent for any other CFCU product or service.

5. Privacy Policies

You agree that we may satisfy our obligation, if permitted by law, to provide you with an annual copy of our Privacy Policy electronically by emailing it to you at the current email address on file with us at the time of electronic mailing, by keeping it available for review at www.chesterfieldfcu.net or you may contact us by using the information provided on the periodic statement or other applicable document and request a paper copy or email copy of such notice at any time.

6. You may withdraw your consent at any time;

Consequences of withdrawing consent. You have the right to withdraw your consent at any time. Please be aware, however, that withdrawal of consent may result in the termination of:

Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it. If you are receiving online account statements, the termination will cause paper statements to be mailed to you via the U.S. Postal Service. Depending on the specific CFCU product or service, if you withdraw consent, we may charge higher or additional fees for that product or for services related to it. Please refer to Fee Listing for any fee(s) that may apply.

7. How to give notice of withdrawal.

To withdraw your consent:

8. You must keep your email current with us.

You must promptly notify us of any change in your email address. You may change the email address on record for you by going to the ‘Settings’ page within your Net24 Home Banking account and updating your contact information. There may be other CFCU products or services for which we provide separate instructions on how to update your email address with us. If we learn that you are no longer receiving our email notifications (for example, an email to you is returned as undeliverable), we may discontinue sending eStatement and alert emails to you. We will make a reasonable attempt to redeliver your notification electronically. However, CFCU is not obligated to verify that you are receiving or accessing your electronic documents.

9. Hardware and software you will need.

To receive electronic records, you must have access to:

You must also have an active email address.

In some cases, you may also need a specific brand or type of device that can support a particular software application, including an application intended for a particular mobile or handheld device. By "current version” we mean a version of the software that is currently being supported by its publisher. The following list includes some the internet browsers you are able to use with Net24:

From time to time, we may offer services or features that require that your internet browser be configured in a particular way, such as allowing the use of JavaScript or cookies. If we detect that your browser is not properly configured, we will provide you with a notice and advice on how to update your configuration.

We reserve the right to discontinue support of the current version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with Net24 home banking or other CFCU On-the-Go suite of services.

10. Changes to hardware or software requirements.

If our hardware or software requirements change and that change would create a material risk that you would not be able to access or retain your electronic records, we will give you notice of the revised hardware or software requirements. Continuing to use electronic services after receiving such notice of the change is reaffirmation of your consent.

11. Your enrollment in electronic services using our equipment.

If you enroll by using our equipment, your enrollment may not be complete until you take additional action.

12. Communications in languages other than English.

Please note that we may be unable to fulfill and service CFCU products and services in a language other than English. If you are not fluent in English, you should consider obtaining the services of an interpreter to ensure you understand this disclosure as well as how to perform any transactions through Net24 home banking and related services.

Please indicate your consent to use electronic records and signature by selecting ’I Consent’ when enrolling in Net24 Home Banking. By providing your consent, you are also confirming that you have the hardware and software described in the sections above, that you are able to receive and review electronic records, and that you have an active email account. Additionally, you are confirming that you are authorized to and do consent on behalf of all the other account owners, authorized signers, authorized representatives identified with your CFCU products and services.

Additional examples of Electronic Records covered by your consent include: