E-SIGN AGREEMENT

This E-Sign Agreement (“Agreement”) applies to all Communications between you and State
Employees’ Credit Union (the “Credit Union”). In the event certain Communications are subject
to the terms and conditions of a separate electronic disclosure and consent, this Agreement applies
to the extent it does not conflict with those separate terms and conditions. Please review this
Agreement carefully and keep a copy for your records.

We are required to provide certain information and disclosures to you “in writing,” meaning on paper.
With your prior consent, however, we may instead provide this information to you electronically. We also
require your consent to use electronic records and signatures in our relationship with you. Therefore, before
we do or continue to do business with you electronically, you must review and consent to the terms outlined
below.

Definitions
“We,” “us” or “our” refers to the Credit Union.
“You” and “your” refers to the person providing consent to the terms of this Agreement, any other
owner, co-owner, borrower, co-signer or guarantor of your account, loan or contract with us, and anyone
else who has authority to take action with respect to your account, loan or contract with us.
“Communications” refers to any disclosures, messages, statements, applications, documents, policies,
forms, notices, records, instructions, agreements, or other information that we provide you or that you
sign, complete, agree to or submit to us at our request.

Electronic Communications
By providing your consent to the terms of this Agreement, you agree that Communications we provide to
you, or that you sign, complete, agree to or submit to us at our request, may be delivered in electronic
format, and we may discontinue sending paper Communications to you unless and until you withdraw
your consent as described below. You also agree that you and we may use electronic signatures in
conducting business with each other.

You are not required to consent to the terms of this Agreement in order to do business with us. However,
you do have to provide and maintain your consent if you wish to use any of our electronic banking
applications, either through our website, our mobile application (“mobile app”), or any other electronic
technologies that may be developed and offered. If you do not wish to consent to electronic delivery of
Communications, we will send paper copies of any legally required Communications to you.

How We Provide Electronic Communications to You; Communications from You

We will provide all electronic Communications to you through one or more of the following methods:
• via email;
• through SMS (short message service) text messaging;
• through our desktop or mobile website;
 • through our mobile app, or through push notification via our mobile app;
• through any third-party service provider we engage to deliver Communications electronically; or
• by presenting a file or document that contains Communications in Hyper Text Markup Language
(HTML) or Portable Document Format (PDF).

At our sole discretion, we may provide you with paper copies of any Communications, even if you have
chosen to receive them electronically. If the law, or any agreement between us and you, requires you to
give us written notice, you must still provide us with such notice in writing on paper unless we tell you
how to deliver that notice to us in electronic format.

Communications we send to you delivered by email or SMS text message will be sent using the
applicable contact information we have for you as reflected in our records. You represent that any email
address or SMS text number you provide to us for electronic delivery purposes is valid and belongs to
you or to a person who has authority to act on your behalf.

Retaining Copies of Electronic Communications

You may retain any electronic Communications by electronically saving or by printing a copy when we
first provide it to you. You acknowledge that electronic Communications we provide through a website
or mobile app may be available for viewing and saving only for a limited number of days.

How to Withdraw Consent

You have the right to withdraw your consent to the terms of this Agreement, and to receiving
Communications electronically, at any time. Withdrawing your consent, however, will result in
termination of your use of Online Services through both our website and our mobile app.

To withdraw your consent, contact our 24/7 Member Services toll-free at 888.732.8562, or visit any of
our branch locations. There are no conditions, consequences or fees related to withdrawing your consent
to this Agreement. If you withdraw your consent, any future written Communications we send you will
be provided via U.S. mail or other courier of our choosing. Any withdrawal of your consent to receive
Communications by electronic delivery will be effective only after we have a reasonable period of time
to process your withdrawal. Withdrawing your consent will not affect the validity of any
Communications already provided or your obligation to make otherwise required payments.

Statement Preferences
You may elect to receive your periodic account statements electronically rather than in paper by signing
up for E-Statements through Online Services. However, if you withdraw your consent to receive
Communications electronically, we will be required to send you paper statements.

How to Update Your Information

In the event your email address, SMS text number or other contact information changes, you must notify
us immediately. You may update your contact information by calling our 24/7 Member Services toll-

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free at 888.732.8562, by visiting our nearest branch location, or by updating your contact information
via Online Services.

Hardware and Software Requirements

To use electronic signatures, if available, and send, receive, access, display, print and save other
electronic Communications, you must have:
• a computer or other electronic device that can connect to the Internet;
• an active email address;
• a current version of an online browser we support (such as Chrome®, Firefox®, Internet
Explorer®, or Safari®);
• software that is capable of receiving, accessing, and displaying Communications received from us
in electronic format such as Adobe Acrobat Reader® (You can download Adobe Acrobat Reader
by clicking on the applicable footer link on our website. Clicking will open another browser
window and take you to Adobe’s website); and
• sufficient storage space to save and/or the ability to print Communications (whether presented
online, in emails or as a PDF).
In addition, to use our mobile app, you must have:
• a mobile device running on a current version of either Apple iOS or Android™ OS; and
• the latest version of our mobile app, which is available through the Apple App Store® or Google
Play®.
We may not support some older web browsers or mobile device systems, so if you are using an outdated
version, you may need to update it in order to access Communications electronically. As our hardware
and/or software requirements change, these requirements will be updated on our website.

Your Option to Receive Paper Copies

Once you consent to the terms of this Agreement, unless otherwise required by applicable law or our
policies, you may not receive paper copies of certain Communications unless you specifically request
them. You have the right to request and receive paper copies of the Communications we are required to
provide you; however, we may charge you a reasonable fee for delivery of paper copies if not prohibited
by applicable law. If you wish to receive a paper copy of Communications, please contact our 24/7
Member Services toll-free at 888.732.8562 or visit our nearest branch location.

Consent
By clicking the box next to the statement “I affirm that I have opened, read and consent to the terms of
the E-Sign Agreement,” you are confirming that:
• You have read this Agreement, and understand and agree to be bound by its terms and conditions;
• You have the hardware and software listed above, and you can access electronic Communications
in the formats described above;

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 • By accessing and consenting to the terms of this Agreement, you are demonstrating that you have
the ability to access and view PDF documents.
• The contact information you most recently provided to us and which we maintain as part of your
member profile, including your email address and/or SMS text messaging number, is valid;
• You will promptly update or notify us of any changes to your contact information, including your
email address and text messaging number;
• You consent to do business with us electronically, including receiving and accessing
Communications electronically;
• You acknowledge that Communications delivered electronically may contain your personal
information, and you consent to the electronic delivery of such information;
• You can print a copy of this Agreement, or save it, for future reference; and
• Your consent to receive Communications electronically remains valid until you withdraw it using
the procedures described above.

Ver. 01.0; 07-17-2020