eStatements Disclosure Agreement Terms & Conditions

The terms "We", "Us", "Our", and "Credit Union" refer to Visions FCU, and "You", " Your", and "Yourself" refer to each person applying for eStatements. This Electronic Signature Act ("E-Sign Act") Disclosure applies to all electronic communications between You and Us. When you consent to this disclosure, you agree to the following terms and conditions.

Documents sent electronically: We will provide You eStatements in an electronic format and discontinue sending them to You in paper form. At any time, You may opt to receive these documents in paper form.

Authorization: You must sign up for Online or Mobile Banking and eStatements to receive eStatements. You must also provide and maintain a valid email address at-all-times, and You must contact Us when You are changing valid email addresses. Invalid email addresses may be grounds for revoking eStatement enrollment.

Electronic Notification: When We deliver eStatements, We will notify You with the email address We have on file. The notice will only inform You of its Availability. Please log-in to Visions FCU's Online or Mobile Banking to access them. You may update Your email address within online or mobile banking from the eStatements page.

We will never use email to ask You to provide or verify Your personal or account information. Any email purportedly from Us that requests Your information or instructs You to click a link or open an attachment may be fraudulent. Please forward suspicious or fraudulent email(s) to:

Consent Withdrawal: At any time, You may withdraw Your consent for eStatements. Click on the "Switch me back to paper statements " button on the eStatements page within online or mobile banking to return to paper statements.

At Our discretion, We may consider an invalid email address, even if valid before, as a withdrawal of consent. We will not charge a fee to process Your withdrawal of consent, but We may take a reasonable amount of time to process Your request.

Updated Records: You are responsible for providing, maintaining, and updating your contact and other information pertaining to this Disclosure current with us. You may contact Us to update this information.

Hardware and Software Requirements: You will access eStatements via the eStatements tab in Online or Mobile Banking. To view printer friendly versions of your eStatements, You will need the most up-to-date version of Adobe Reader, which can be found at . Furthermore, You will need sufficient file space on Your computer to save eStatements for Your records (if you choose),unless You print them. eStatements will be stored online for the stated length of time. If these requirements substantially change, we will provide you with an updated Disclosure. You must consent to the new Disclosure to retain eStatement enrollment.

Paper Copies: We are not obligated to provide You a paper copy of your eStatements. However, We reserve the right to send you paper copies at Our discretion. If You would like paper copies without revoking Your authorization to receive eStatements, You may either print them Yourself, or You may request them directly from Us. We may charge a fee for this request.

Communications in Writing: In accordance with the E-Sign Act, electronic communications of the Documents will be considered "in writing" for the purposes of other federal and state laws.

E-Sign Act: Your consent for eStatements falls under the jurisdiction of the E-Sign Act, and that We and You intend to comply to the fullest extent possible.

Termination: At Our discretion, and if deemed necessary or appropriate, We may provide You notice of termination for eStatements at which time We will convert You back to paper statements.

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