Consent and Agreement to Receive Account Statements Electronically

Read this document carefully and keep a copy for your records. If you are unable to print this document, the Credit Union will provide a copy to you upon request.

This agreement specifically governs the receipt of your account statement electronically and informs you of your rights and responsibilities and the terms and conditions associated with the service you have requested. In this Agreement, the words “you”, “your, and “yours” mean each and everyone who utilizes eStatement services. The words “we”, “us”, “our” and “Credit Union” mean the Credit Union. The words “the service” refer to the eStatement services. Accessing your eStatement confirms your agreement to be bound by all disclosures and agreements and acknowledges your receipt and understanding of this agreement.

You agree to be bound by all terms and conditions contained herein which are in addition to the terms and conditions of the Online Banking Agreement and Disclosure as well as any Membership and Account Agreement in use. By agreeing to the terms and conditions of this consent, you represent that you are authorized to enter into this consent for all persons who own or are authorized to access any of your accounts, and that such persons will be bound by the terms of this consent and agreement. You further agree to follow all instructions provided by the service and as may be reflected on your computer screen. You further agree to abide by any terms and conditions which may be added due to future enhancements to the eStatement services.

Once you enroll in this voluntary program, your paper statement will no longer be mailed to you. Although you have elected electronic delivery, you do have a right to receive a paper copy of your periodic statement. To request a copy of your periodic statement, telephone us at 1-800-897-6991, or write us at the Credit Union at P. O. Box 1358, Bartlesville, OK 74005-1358. The list of fees applicable to your account(s) provided elsewhere may specify additional fees that we may charge for requests to receive an account statement in paper form.

You may withdraw your consent and revoke your agreement to receive your account statement using eStatement services at any time. You may do so by calling the Credit Union at 1-800-897-6991, by writing the Credit Union at P. O. Box 1358, Bartlesville, OK 74005-1358, or by notifying a member services representative at any one of our Credit Union locations. The Credit Union may terminate the eStatement service at any time.

You agree to provide the Credit Union a valid, working email address so that you may be notified when your eStatement is ready for viewing. You understand that you have no expectation of privacy if electronic records are transmitted to an email address owned by your employer or any other persons that are not owners, borrowers, authorized users, etc. on your account. You agree that the Credit Union has no liability to you whatsoever for any loss, claim, or damages arising or in any way related to our response(s) to any email or other electronic communication that we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any email or other electronic communication; and may respond to any email at either the address provided with the communication, the email address in your membership account, or any other application or written communication actually received by us. Although we have no obligation to do so, we reserve the right to require authentication of emails or electronic communications. The decision to require authentication is at the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instructions to us if a communication cannot be authenticated to our satisfaction. You further agree to release the Credit Union from any liability if information is intercepted or viewed by an unauthorized party at the email address selected by you or any email address updates that are provided to the Credit Union. You may change your email address by calling the Credit Union at 1-800-897-6991, by writing the Credit Union at P. O. Box 1358, Bartlesville, OK 74005-1358, or by notifying a member services representative at any one of our Credit Union locations.

To access the eStatement services, you will need to be enrolled in the Credit Union’s Online Banking service and meet the requirements outlined in the Online Banking Agreement and Disclosure which you agree to upon registration in your Online Banking account. Specifically, the system requirements (Hardware/Software) are: a) a personal computer (PC) or other device that is capable of accessing the internet, and b) an internet browser that supports 128-bit encryption – for PC users, Microsoft Internet Explorer 7.0 or higher or Firefox 3.0 or higher; for Mac users, Safari version 4.0 or higher. These are the current minimum requirements that are required to access and use the system, which may change without notice as technology, software, and other matters continue to evolve. (As of April, 2010, Internet Explorer version older than 6.0 are not valid access for Online Banking. Users attempting to access Internet Banking with a version older than 6.0 will be denied access. If one of the supported browsers is not used, you may experience functionality issues or be denied access to Online Banking. Using a Beta version of any browser is not recommended.) If there is a change in the hardware/software requirements associated with this service, we will notify you and provide an explanation of the updated hardware/software requirements. The Credit Union makes no warranty or representation regarding the access to eStatement services now or in the future which are out of the control of the Credit Union depending upon your computer system and method of access, e.g. dial up connection vs. DSL or other connection. In addition to the system requirements outlined in the Online Banking Agreement and Disclosure, you will need Adobe®Acrobat®Reader®. If you don’t have Adobe Acrobat Reader, you may download it free at: http://www.adobe.com. It is your sole responsibility to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize the eStatement services. If you cannot meet the requirements for any reason, you have the right to withdraw your consent at that time at no cost to you. Withdrawing your consent will terminate your eStatement service.

You agree that your use of a key pad, mouse, or other device to select an item, button, icon or similar action, or to otherwise provide the Credit Union instructions while participating in our eStatement service; or in accessing or making any transaction regarding any agreement, acknowledgement, consent terms, disclosures or conditions, constitutes your signature, acceptance and agreement as if actually signed by you in writing. Further, you agree that no certification authority or other third party verification is necessary to validate your electronic signature; and that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract between you and the Credit Union.

You agree and acknowledge that you will keep confidential your personal identification information and all security codes to access the eStatement service. You further agree to immediately notify the Credit Union should you believe any of your personal identification information and/or security codes have been lost, stolen, or that an unauthorized person has electronically accessed you account.

The eStatement service is generally available 24 hours a day, seven days a week except as may be unavailable at certain times due to scheduled or unscheduled maintenance, system outages, interruptions in telephone service, or electrical outages that can cause system unavailability. The Credit Union will make every reasonable effort to ensure the availability of the service; however, the Credit Union is in no way liable for the unavailability of the eStatement service or any consequential damages that may result.

There is currently no fee for the eStatement service or termination thereof. The Credit Union reserves the right to impose fees or to subsequently change any fee structure with or without notice as required by law.

This agreement may be amended by the Credit Union at any time at its discretion. You will receive notice of amendments as required by law.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC STATEMENT

Contact us immediately if you think your statement is wrong or if you need more information. You may notify us at 1-800-897-6991, or write us at: P. O. Box 1358, Bartlesville, OK 74005-1358.

We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. Tell us your name, account number, the dollar amount of the suspected error, and the date it occurred. Describe the error or transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

If you notify us verbally, we may require you to send us your complaint or questions in writing within 10 business days. We will tell you in writing the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate. We will provisionally credit your account within 10 business days for the amount you think is in error so that you may have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, the Credit Union is not required to credit your account.

For transactions initiated outside the United States, the time period stated above increases to 90 calendar days instead of 45 calendar days, unless otherwise required by law, to investigate your complaint or question. If your claim is made within 30 days of account opening, we will provisionally credit your account within 20 business days and may take up to 90 calendar days to conduct our investigation.

If we determine there was no error, we will send you a written explanation with 3 business days after we complete our investigation. You may ask for copies of the documents that we used in our investigation and upon which we relied to conclude that the error did not occur. These will be made available to you to the extent possible without violating any other member’s right to privacy.

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