Electronic Documents (e-document) Disclosure and User Agreement

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1 Electronic Documents (e-document) Disclosure and User Agreement Welcome to River Works Credit Union s e-document Delivery Service. Our goal is to provide you with a free, convenient and environmentally friendly electronic version of your account statements and other documents, disclosures and communications. We need your consent to begin sending your account statements and other documents, disclosures and communications to you electronically. Once you provide this authorization and we begin to send your documents electronically, we will no longer produce and mail a paper copy of your documents to you. For example, if you agree to receive your account statements electronically, we will no longer produce and mail a paper copy of your account statements including images of your cancelled checks if you currently receive them. Therefore, please review this Agreement prior to giving your authorization and then click "ACCEPT at the bottom of the Agreement if you would like to begin receiving your account statements and other documents, disclosures and communications electronically via our e-document Delivery Service. Definitions For the purposes of this e-document User Agreement, "Agreement shall refer to this Disclosure and User Agreement. "You, "your and "user refer to the accountholder or any other individual authorized to receive electronic delivery of periodic account statements or other documents, disclosures and communications ("e-documents ) under this Agreement. "We, "us, "our, and "Credit Union refers to River Works Credit Union. "ecredit Union refers to the Credit Union's online Internet Banking and Bill Payment Service. "e-document Delivery Service or "the Service refers to the Credit Union's e-document Delivery Service. "Account or "Accounts refers to your deposit or loan accounts at the Credit Union. "ecredit Union Agreement refers to the RIVER WORKS CREDIT UNION ecredit Union through the Internet Disclosure and Agreement (Personal and/or Business). "User ID and password means the User ID and password you utilize to access ecredit Union and the Service. Agreement The e-document Delivery Service is provided as a service to our e-credit Union customers and therefore the River Works Credit Union ecredit Union Agreement (Personal and/or Business), whichever is applicable to you, will be considered the controlling Agreement for the e-document Delivery Service. This Agreement is a contract that establishes the terms covering the electronic delivery of your periodic account statements, or other documents, disclosures and communications ("e- Documents ) related to your accounts at the Credit Union through the Service. By using the Service, you agree to all of the terms and conditions of this Agreement and reaffirm your agreement with all of the terms and conditions of the ecredit Union Agreement (Personal and/or Business), whichever is applicable to you. You acknowledge your receipt of this Agreement and your prior receipt and agreement with the applicable ecredit Union Agreement and your understanding of the terms and conditions of both Agreements. Please read this Agreement

2 carefully and review your ecredit Union Agreement which is available through a link in the "Disclosures section of your "Account Services page in ecredit Union. The terms and conditions of the River Works Credit Deposit Account Agreement, Electronic Funds Transfer Agreement and Disclosures, ecredit Union Agreement (Personal and/or Business) as well as any other agreements with the Credit Union such as loan agreements continue to apply notwithstanding anything to the contrary in this Agreement. Consent and Authorization for Electronic Delivery of Account Statements, Documents, Disclosures and Other Communications (e-documents) When you sign up for the Service through ecredit Union, you agree that for all of your checking, statement savings, money market, loan and any other statement accounts that are enrolled in ecredit Union now or in the future, as well as any other statement accounts whose account activity is combined with these accounts, you will thereafter receive your periodic account statements electronically. Your electronic statements will contain the same content as the paper version that you have been receiving, which includes: account balances, transaction activity, electronic funds transfer information, year-to-date interest, and error notification procedures. The choice (paper or e-documents) that is recorded on our system on the day the statement is generated will be the only statement method used to deliver that month's statement(s). In addition, when you sign up for our e-document Delivery Service through ecredit Union, you further agree that other documents, disclosures and communications related to any or all of your deposit or loan accounts with the Credit Union may also be sent to you electronically via the e- Document Delivery Service. You understand that pursuant to your account and/or loan agreements with the Credit Union, you may be entitled to receive periodic account statements in connection with your Account, such as savings account statements, and/or loan statements. By indicating your acceptance of these terms and conditions, you authorize the Credit Union to discontinue sending you such account statements via postal mail service for your account(s) and to instead deliver such account statements to you electronically (e-documents). You understand and agree that the Credit Union will send you an on an ongoing basis to your primary address, as provided in your ecredit Union profile, notifying you that your e-documents are ready to be viewed via the ecredit Union service. You understand and agree that you will no longer receive paper copies of your account statements. You further understand and agree that: 1. You are the authorized signer of the accounts. Your electronic signature executed in conjunction with this Agreement shall be legally binding and any transaction performed pursuant to this Agreement shall be considered authorized by you. You agree to provide true, accurate, current and complete information about yourself as requested and agree to not misrepresent your identity. 2. If the account number entered to access this Agreement is a joint account, you acknowledge that your consent and authorization has been authorized by each of the joint accountholders. All joint accountholders are legally bound by the terms and conditions of this Agreement.

3 3. Your ongoing consent to receive subsequent account statements electronically is voluntary and may be withdrawn at any time. Subject to the Credit Union's confirmation of your request, such withdrawal shall become effective no later than fifteen (15) days after receipt by the Credit Union. Upon termination, you understand and agree that you will no longer have access to your account statements online and that you will receive all account statements in paper form via postal mail service. 4. You have and will maintain a printer capable of printing any e-documents that are e- mailed to you and/or made available through the Credit Union's ecredit Union service. In the alternative, you have and will maintain the ability to electronically save and visually display on your computer any e-documents. You understand that the Credit Union recommends that you print or save a copy of this Agreement for your records. 5. You agree that in no event will the Credit Union be liable for any technical, hardware or software failure of any kind, any interruption in the availability of this service, any delay in operation or transmission, computer virus, loss of data or other similar loss. 6. The Credit Union is not liable for any third party-incurred fees, other legal liability, or any other issues or liabilities arising from e-documents or notifications sent to an invalid or inactive address or postal address that you have provided. 7. You understand and agree that by signing up for e-documents, you may no longer receive your loan statements by mail. You will still be responsible for making all loan payments on a timely basis. You further understand and agree that you will be responsible for making all loan payments pursuant to the terms and conditions of the loan agreements and disclosures which may be revised from time to time and remain effective for all other aspects of the account involved. 8. You may also request a paper copy of any account statement. A fee may be charged for such paper copies, subject to the Credit Union's Schedule of Fees. 9. You understand and agree that the Credit Union reserves the right to change the terms and conditions of this Agreement. The Credit Union will notify you before the effective date of any change. This means the Credit Union will mail you a notice using the United States Post Office at the address the Credit Union currently has on file. By accessing your e-documents after you receive any notice of change will constitute your agreement to such change(s). The Credit Union reserves the right to discontinue the e-documents program at any time. Business Account Customers: By requesting access to the Service, you hereby authorize the Credit Union to grant each administrator access to all documents and account statements sent electronically. Should you wish to limit the access of administrators it will be your responsibility to notify the Credit Union in writing. Security Procedures: You agree that use of an ecredit Union User ID and password to sign up for the e-documents program and to access your account statements constitutes a reasonable security procedure. You further understand that if you disclose your ecredit Union User ID and password to other people, they will also have the ability to access your account statements. You agree to notify the Credit Union immediately if you believe any of your accounts have been

4 accessed or an access code has been used without your permission to access your accounts. The terms and conditions in this Agreement only apply to the e-documents Delivery Service. Provisions in other Credit Union agreements and disclosures, including but not limited to the Credit Union's ecredit Union Agreement and any other loan and deposit agreements and disclosures, may be revised from time to time and remain effective for all other aspects of the accounts involved. You agree that the Credit Union shall not be liable if you are unable to gain access to the Credit Union's website or the ecredit Union system from time to time. You understand that some or all of the e-document services and/or other Credit Union system services may not be available at certain times due to maintenance and/or computer, communication, electrical or network failure or any other causes beyond the Credit Union's control. We will use commercially reasonable measures, consistent with industry standards, to maintain a reasonable level of security over the information contained in the electronically delivered account statement(s) and notices. The Credit Union does not warrant the security or confidentiality of any information transmitted through any applicable Internet service provider, information/communication network service provider, network system or such other equivalent system in any jurisdiction via the e-document Service. By agreeing to this Agreement, you represent that you have considered our security measures and find that our security measures are commercially reasonable. In reaching this conclusion, you have considered the historical and potential future content of your account statement(s); the risk associated with electronic delivery of account statement(s) and our security procedures. If you conclude that our security procedures cease to be commercially reasonable in the future, you must terminate this Agreement immediately in accordance with the provisions found herein. In order to help protect your personal information, we recommend that you install firewalls, antivirus, and spyware protection software (and update it as required) on your computer. We also recommend that you update your operating system and browser application on a periodic basis to better protect your computer and online Banking sessions. Review of Periodic estatements You must promptly access and review your e-statement and any accompanying items and notify the Credit Union in writing immediately of any error, unauthorized transaction, or any other irregularity. If you allow someone else to access your statement, you are still fully responsible to review the statement for any errors, unauthorized transactions, or any other irregularities. Any applicable time periods within which you must notify the Credit Union of any errors on your account statement(s) shall begin on the e-document notification date regardless of when you access and/or review your e-statement. If you do not immediately report to the Credit Union any non-receipt of e-documents or any error, irregularity, discrepancies, claims or unauthorized debits or items, you shall be deemed conclusively to have accepted all matters contained in the e-documents to be true, accurate and correct in all respects. Notification of Document Availability

5 We will send an to the address that you have on file in the "Profile section of the "Account Services feature in ecredit Union to advise you when your e-document is available for viewing. In addition, we will include a link in this to the Credit Union's website where you can sign-on to ecredit Union and access your e-document via the "e-documents button located on the main "Accounts page. It is your responsibility to ensure that the "Profile feature within ecredit Union contains your current address. Once you have updated your address in the "Profile feature, it is also your responsibility to update this address in the e-document Delivery Service by simply accessing the e-document Delivery Service one time after you have made this change. However, if you do not wish to receive notification regarding document availability on some or all of your deposit or loan accounts, you may terminate the notification by clicking on " Notification of Document Availability in the box on the right side of the "e-document page within the e-document Delivery Service and then clicking off any notifications that you no longer wish to have sent to you. Account Statements Your account statements will become available through the Service shortly after the end of your statement cycle period. In the case of checking or money market accounts if you receive images with your account statement, the account statement may be available to you even before all of the images of your cancelled checks have been processed for the statement cycle period. However, the Service is updated multiple times each day and as soon as your check images are processed, they will be made available to you through the Service. Your account statements will become available through the Service incrementally each month after you enroll in the Service. Statements will be available for twelve (12) months and thereafter the oldest statement will be deleted when the most recent statement becomes available through the Service. If you wish to retain your statements for a longer period of time, you should download them to your computer or print them during the twelve (12) months that they are available through the Service. If you request a paper copy of either your account statement or any check referenced in that statement from us, we will provide a legible copy within a reasonable period of time. Applicable service charges may be assessed in accordance with the River Works Credit Union Fee Schedule. Your Right to Terminate You may withdraw your consent to receive e-documents by accessing the "Account Services button in the top menu in ecredit Union and selecting the "Secure Form entitled "Cancel e- Documents. Our Right to Terminate You agree that we provide the e-document Delivery Service at our sole discretion and we can modify, restrict, withdraw or rescind your use of this service at any time and for any reason. However, if we do, we will instead produce and mail a paper copy of your account statement, document, disclosure or other communication to you.

6 You will be notified by when new documents are available for viewing in the e-document Delivery Service. Please verify that the address below is the correct address for receiving communications from both ecredit Union and the e-document Delivery Service. If there is no address below or the address needs to be updated, please click on the "DECLINE button and access the "Profile feature in the "Account Services section of ecredit Union to insert or update your address. Once your address has been inserted or updated, click on the "e-documents button in ecredit Union and if the correct address is then reflected below, click on the "ACCEPT button to enroll in the e-document Delivery Service. Communications between Credit Union and You If you have any questions regarding our estatements service, please us at or you may call us at or or write to: River Works Credit Union, 947 Western Ave, Lynn MA01905.

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