ESIGN Act Disclosure and Consent

When the law or other rule requires a document or information to be provided or made “in writing”, it means it must be on paper. However, with your prior consent, the document or information may instead be provided or made electronically.

In addition, when the law or other rule requires a document to be signed, a paper document must be endorsed with your “wet signature”. However, with your prior consent, the document may be signed electronically with your “electronic signature”.

By checking the box: “I agree to the Consumer Disclosure.” you are consenting to receive documents from CEFCU, and to send documents to CEFCU, electronically, and to sign those documents electronically with your electronic signature.

You acknowledge that you are not required to give your consent and may decline to give your consent by clicking “Decline to sign”. By clicking “Decline to sign”, you may not proceed to review and sign documents electronically but instead must receive and sign a paper document.

Your consent to receive documents electronically and to sign documents electronically will apply to the categories of documents described under “Scope of Your Consent” in the ESIGN Act disclosures for the applicable CEFCU transaction listed in the buttons below.

Your consent will remain in effect until you give CEFCU notice that you are withdrawing it and will apply to any document in such categories of documents CEFCU may or is required to provide you and/or that you may or are required to provide CEFCU in the future. When providing you with a document in the future to which your consent applies, we may remind you that you have already given CEFCU your consent to receive the document electronically and to sign the document electronically.

Please review the ESIGN Act disclosures for the applicable CEFCU transaction by clicking the appropriate button below:

• Consumer Deposit and Certificate Account(s) and Related Products and Services

  Consumer Disclosure Regarding Deposit and Certificate Account(s) and Related Products and Services (This “Disclosure”)

  Please read the following information. By agreeing to this “Disclosure” and proceeding forward, you are agreeing that you have reviewed this Disclosure and consent to receive and send documents electronically and to sign document(s) electronically. You understand that your electronic signature is legally binding, just as if you had signed a paper document.

  You are not required to receive and send documents electronically or sign documents electronically. If you prefer not to do so, you may request to receive paper copies and withdraw your consent at any time as described below.

  Scope of Your Consent

  Deposit and Certificate Account(s) and Related Products and Services. Your consent to receive and send documents electronically and to sign documents electronically applies to the account opening notices, disclosures and documents associated with the deposit and certificate account(s) and related products and services applied for or requested and provided or made available to you in connection with your application and/or request and over the course of your relationship with CEFCU regarding the deposit and certificate account(s) and related products and services. Your consent to receive and send documents electronically includes, but is not limited to, the following: Deposit Account Agreement, CEFCU Savings & Checking Accounts Rate Schedule, CEFCU Certificate Accounts Rate Schedule, CEFCU IRA, Savings Account for a CESA & CESA Accounts Rate Schedule, CEFCU HSA Savings & Checking Accounts Rate Schedule, CEFCU HSA Certificate Accounts Rate Schedule, CEFCU Fee Schedule, Funds Availability Policy, Privacy Notice and Opt-Out, and Electronic Fund Transfer Disclosure. Your consent to sign and send documents electronically includes, but is not limited to, the following: Signature Card, Certification and Agreement, Proxy, W-9 Tax Certification, and Electronic Services Application/Agreement. Consenting to receive and send documents electronically, and to sign documents electronically, includes any subsequent notices, disclosures and documents CEFCU may or is required to provide you and/or which you may or are required to provide CEFCU over the course of your relationship with CEFCU regarding the deposit and certificate account(s) and related products and services, and includes, but is not limited to, the following: Agreement of Substitution, Totten Trust Designation, Totten Trust Revocation, Uniform Transfers to Minors Act Account Designation, Written Statement of Unauthorized Debit/Credit, ACH Origination Transfer and/or Authorization Agreement for Preauthorized Deposits/Payments, Stop Payment Request, Wire Transfer Request Form, Overdraft Transfer Plan Request and Designation, Request to Terminate Overdraft Transfer Plan, Request to Enroll in Overdraft Protection Plan and Termination of Overdraft Protection Plan. Consenting to receive and send documents electronically and to sign documents electronically, includes any notices, disclosures and documents CEFCU may or is required to provide you regarding any deposit and certificate account(s) and related products and services you have previously obtained from CEFCU regardless of whether you consented to receive and send documents electronically and to sign documents electronically, with regard to that deposit and certificate account(s) and related products and services.

  You may seek to obtain new deposit accounts and related products and services from CEFCU in the future. When you do, we may remind you that you have already given us your consent to receive and send documents electronically and to sign documents electronically. If you then decide not to consent to receive and send documents electronically and to sign documents electronically, your decision does not mean that you have withdrawn your consent for any other CEFCU deposit accounts and related products and services.

  To receive your periodic statements electronically you must enroll in CEFCU On-Line & Mobile Banking and request eStatements.

  Method of Providing Documents to You in Electronic Form

  All documents may be viewed electronically on this website and saved by:

  1. Printing paper copies;
  2. Downloading and saving electronic copies; and
  3. Storing the hyperlink on your computer.

  In addition, CEFCU may send documents to you by any of the following methods: (a) by sending a notice to an email address you have provided us and making the notices, disclosures, and documents available to you through CEFCU On-Line & Mobile Banking; or (b) by sending the notices, disclosures, and documents to an email address you have provided us or to a wireless device you have designated; or (c) to the extent permissible by law, by access to a web site that CEFCU will generally designate in advance for such purpose; or (d) any other electronic means we have mutually agreed upon. Delivery of notices, disclosures, and documents by any of these methods will be considered “in writing” and you intend that the electronic notices, disclosures, and documents have the same legal effect as written and signed paper documents.

  Required Equipment and Software to Access and Retain Notices, Disclosures and Documents

  In order to use electronic signatures and to receive and save any notices, disclosures and documents electronically you must have:

  • A computer, mobile device, or other electronic device with internet access;
  • A standards-compliant web-browser which supports the HTTPS protocol, HTML, and cookies;
  • A program that reads and displays PDF files such as Adobe Acrobat Reader; and
  • An active email address.

  To print and save any notices, disclosures and documents in electronic form using your computer, you will need:

  • A printer (to print paper copies); and
  • A hard drive or other storage device (to download and save electronic copies).

  To print and save any notices, disclosures and documents in electronic form using your mobile or electronic device, you will need:

  • A printer capable of printing the screen shots on your mobile or electronic device (to print paper copies); and
  • An electronic device capable of taking a screen shot that can be printed (to save electronic copies).

  Changes to Hardware and /or Software Requirements

  You will be notified of any changes to the hardware and/or software requirements that may create a material risk that you will not be able to receive, view, print or save a notice, disclosure or document.

  Your Right to Receive Paper Copies

  You are not required to receive electronic notices, disclosures, and documents or sign documents electronically and may request paper copies of notices, disclosures and documents if you prefer to do so. You also have the ability to download and print any notices, disclosures and documents you have access to through the electronic application process. If you wish to receive paper copies in lieu of electronic notices, disclosures and documents you may close this web browser and request paper copies from CEFCU by following the procedures outlined below.

  How, after You Consent, to Receive a Paper Copy of Any Notice, Disclosure or Document and Whether Any Fee Will Be Charged For Such Copy

  You may receive a paper copy of any notice, disclosure or document by contacting a CEFCU Member Service Representative at any of our locations, by calling CEFCU at 309.633.7000 or 800.633.7077 or by submitting a copy request in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715. The copy request must contain your account number, name, contact phone number and a description of the notice, disclosure or document requested and must be signed by you. You will be charged a fee for a duplicate periodic statement as set forth in the CEFCU Fee Schedule.

  Your Right to Withdraw Your Consent and Any Conditions, Consequences, or Fees Associated with You Withdrawing Your Consent

  You have the right to withdraw your consent to have a notice, disclosure or document provided or made available to you in electronic form at any time.

  There are currently no conditions, consequences or fees associated with you withdrawing your consent.

  A Description of the Procedures You Must Use to Withdraw Your Consent

  You may withdraw your consent to receive a notice, disclosure or document electronically at any time. If you wish to do so, please notify us in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715 or via email at email@cefcu.com and provide your name, mailing address, daytime telephone number, and a description of the notice, disclosure or document from which you are withdrawing your consent.

  You Must Keep Your Email Address and/or Mobile Phone Number Current with CEFCU

  You are responsible for informing CEFCU of any change in your email address or mobile phone number. You can update your contact information by visiting any local CEFCU Member Center or by contacting CEFCU Member Contact Center at 800.633.7077.

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• Consumer Loan and Line of Credit

  Consumer Disclosure Regarding Loan and Line of Credit (This “Disclosure”)

  Please read the following information. By agreeing to this “Disclosure” and proceeding forward, you are agreeing that you have reviewed this Disclosure and consent to receive and send documents electronically and to sign document(s) electronically. You understand that your electronic signature is legally binding, just as if you had signed a paper document.

  You are not required to receive and send documents electronically or sign documents electronically. If you prefer not to do so, you may request to receive paper copies and withdraw your consent at any time as described below.

  Scope of Your Consent

  Loan and Line of Credit Applications. Your consent to receive and send documents electronically and to sign documents electronically applies to the account opening notices, disclosures and documents associated with the loan or line of credit applied for or requested and provided or made available to you in connection with your application and/or request, the consummation of your loan and/or line of credit and over the course of your relationship with CEFCU regarding that loan and/or line of credit. Consenting to receive and send documents electronically, and to sign documents electronically, includes any subsequent notices, disclosures and documents CEFCU may or is required to provide you and/or which you may or are required to provide CEFCU over the course of your relationship with CEFCU regarding that loan and/or line of credit and includes, but is not limited to, the modification of your loan and/or line of credit. Consenting to receive and send documents electronically and to sign documents electronically, includes any notices, disclosures and documents CEFCU may or is required to provide you regarding any loan and/or line of credit you have previously obtained from CEFCU regardless of whether you consented to receive and send documents electronically and to sign documents electronically, with regard to that loan and/or line of credit.

  You may seek to obtain a new loan and/or line of credit from CEFCU in the future. When you do, we may remind you that you have already given us your consent to receive and send documents electronically and to sign documents electronically. If you then decide not to consent to receive and send documents electronically and to sign documents electronically, your decision does not mean that you have withdrawn your consent for any other CEFCU loan or line of credit.

  To receive your periodic statements electronically you must enroll in CEFCU On-Line & Mobile Banking and request eStatements.

  Method of Providing Documents to You in Electronic Form

  All documents may be viewed electronically on this website and saved by:

  1. Printing paper copies;
  2. Downloading and saving electronic copies; and
  3. Storing the hyperlink on your computer.

  In addition, CEFCU may send documents to you by any of the following methods: (a) by sending a notice to an email address you have provided us and making the notices, disclosures, and documents available to you through CEFCU On-Line & Mobile Banking; or (b) by sending the notices, disclosures, and documents to an email address you have provided us or to a wireless device you have designated; or (c) to the extent permissible by law, by access to a web site that CEFCU will generally designate in advance for such purpose; or (d) any other electronic means we have mutually agreed upon. Delivery of notices, disclosures, and documents by any of these methods will be considered “in writing” and you intend that the electronic notices, disclosures, and documents have the same legal effect as written and signed paper documents.

  Required Equipment and Software to Access and Retain Notices, Disclosures and Documents

  In order to use electronic signatures and to receive and save any notices, disclosures and documents electronically you must have:

  • A computer, mobile device, or other electronic device with internet access;
  • A standards-compliant web-browser which supports the HTTPS protocol, HTML, and cookies;
  • A program that reads and displays PDF files such as Adobe Acrobat Reader; and
  • An active email address.

  To print and save any notices, disclosures and documents in electronic form using your computer, you will need:

  • A printer (to print paper copies); and
  • A hard drive or other storage device (to download and save electronic copies).

  To print and save any notices, disclosures and documents in electronic form using your mobile or electronic device, you will need:

  • A printer capable of printing the screen shots on your mobile or electronic device (to print paper copies); and
  • An electronic device capable of taking a screen shot that can be printed (to save electronic copies).

  Changes to Hardware and /or Software Requirements

  You will be notified of any changes to the hardware and/or software requirements that may create a material risk that you will not be able to receive, view, print or save a notice, disclosure or document.

  Your Right to Receive Paper Copies

  You are not required to receive electronic notices, disclosures, and documents or sign documents electronically and may request paper copies of notices, disclosures and documents if you prefer to do so. You also have the ability to download and print any notices, disclosures and documents you have access to through the electronic application process. If you wish to receive paper copies in lieu of electronic notices, disclosures and documents you may close this web browser and request paper copies from CEFCU by following the procedures outlined below.

  How, after You Consent, to Receive a Paper Copy of Any Notice, Disclosure or Document and Whether Any Fee Will Be Charged For Such Copy

  You may receive a paper copy of any notice, disclosure or document by contacting a CEFCU Member Service Representative at any of our locations, by calling CEFCU at 309.633.7000 or 800.633.7077 or by submitting a copy request in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715. The copy request must contain your account number, name, contact phone number and a description of the notice, disclosure or document requested and must be signed by you. You will be charged a fee for a duplicate periodic statement as set forth in the CEFCU Fee Schedule.

  Your Right to Withdraw Your Consent and Any Conditions, Consequences, or Fees Associated with You Withdrawing Your Consent

  You have the right to withdraw your consent to have a notice, disclosure or document provided or made available to you in electronic form at any time.

  There are currently no conditions, consequences or fees associated with you withdrawing your consent.

  A Description of the Procedures You Must Use to Withdraw Your Consent

  You may withdraw your consent to receive a notice, disclosure or document electronically at any time. If you wish to do so, please notify us in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715 or via email at email@cefcu.com and provide your name, mailing address, daytime telephone number, and a description of the notice, disclosure or document from which you are withdrawing your consent.

  You Must Keep Your Email Address and/or Mobile Phone Number Current with CEFCU

  You are responsible for informing CEFCU of any change in your email address or mobile phone number. You can update your contact information by visiting any local CEFCU Member Center or by contacting CEFCU Member Contact Center at 800.633.7077.

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• Individual Retirement Account (IRA-Traditional and Roth), Health Savings Account (HSA) and Coverdell Education Savings Account (CESA)

  Consumer Disclosure Regarding Individual Retirement Account (IRA-Traditional and Roth), Health Savings Account (HSA) and Coverdell Education Savings Account (CESA) (This “Disclosure”)

  Please read the following information. By agreeing to this “Disclosure” and proceeding forward, you are agreeing that you have reviewed this Disclosure and consent to receive and send documents electronically and to sign document(s) electronically. You understand that your electronic signature is legally binding, just as if you had signed a paper document.

  You are not required to receive and send documents electronically or sign documents electronically. If you prefer not to do so, you may request to receive paper copies and withdraw your consent at any time as described below.

  Scope of Your Consent

  Individual Retirement Account (IRA-Traditional and Roth), Health Savings Account (HSA) and Coverdell Education Savings Account (CESA). Your consent to receive and send documents electronically and to sign documents electronically applies to the account opening notices, disclosures and documents associated with the IRA, HSA and CESA applied for or requested and provided or made available to you in connection with your application and/or request including, but not limited to, the following: Application, Custodial Account Agreement (the “Agreement”), Disclosure Statement, Financial Disclosure and any other notices, disclosures and documents associated with the IRA, HSA and/or CESA applied for and provided or made available to you in connection with your application and/or request and over the course of your relationship with CEFCU regarding your IRA, HSA and/or CESA. Consenting to receive notices, disclosures and documents electronically, and to sign documents electronically, includes any written instructions or notices required under the Agreement that CEFCU may accept from you or provide to you and any subsequent notices, disclosures and documents CEFCU may or is required under the Agreement or applicable law to provide to you or accept from you over the course of your relationship with CEFCU regarding your IRA, HSA and/or CESA, including but not limited to, beneficiary designations, withdrawal requests, direct transfer instructions and scheduled payment elections. Consenting to receive and send documents electronically and to sign documents electronically, includes any notices, disclosures and documents CEFCU may or is required to provide you regarding any IRA, HSA and CESA you have previously obtained from CEFCU regardless of whether you consented to receive and send documents electronically and to sign documents electronically, with regard to that IRA, HSA and CESA.

  You may seek to obtain a new IRA-Traditional and Roth, HSA or CESA from CEFCU in the future. When you do, we may remind you that you have already given us your consent to receive and send documents electronically and to sign documents electronically. If you then decide not to consent to receive and send documents electronically and to sign documents electronically, your decision does not mean that you have withdrawn your consent for any other CEFCU IRA-Traditional and Roth, HSA or CESA.

  To receive your periodic statements electronically you must enroll in CEFCU On-Line & Mobile Banking and request eStatements.

  Method of Providing Documents to You in Electronic Form

  All documents may be viewed electronically on this website and saved by:

  1. Printing paper copies;
  2. Downloading and saving electronic copies; and
  3. Storing the hyperlink on your computer.

  In addition, CEFCU may send documents to you by any of the following methods: (a) by sending a notice to an email address you have provided us and making the notices, disclosures, and documents available to you through CEFCU On-Line & Mobile Banking; or (b) by sending the notices, disclosures, and documents to an email address you have provided us or to a wireless device you have designated; or (c) to the extent permissible by law, by access to a web site that CEFCU will generally designate in advance for such purpose; or (d) any other electronic means we have mutually agreed upon. Delivery of notices, disclosures, and documents by any of these methods will be considered “in writing” and you intend that the electronic notices, disclosures, and documents have the same legal effect as written and signed paper documents.

  Required Equipment and Software to Access and Retain Notices, Disclosures and Documents

  In order to use electronic signatures and to receive and save any notices, disclosures and documents electronically you must have:

  • A computer, mobile device, or other electronic device with internet access;
  • A standards-compliant web-browser which supports the HTTPS protocol, HTML, and cookies;
  • A program that reads and displays PDF files such as Adobe Acrobat Reader; and
  • An active email address.

  To print and save any notices, disclosures and documents in electronic form using your computer, you will need:

  • A printer (to print paper copies); and
  • A hard drive or other storage device (to download and save electronic copies).

  To print and save any notices, disclosures and documents in electronic form using your mobile or electronic device, you will need:

  • A printer capable of printing the screen shots on your mobile or electronic device (to print paper copies); and
  • An electronic device capable of taking a screen shot that can be printed (to save electronic copies).

  Changes to Hardware and /or Software Requirements

  You will be notified of any changes to the hardware and/or software requirements that may create a material risk that you will not be able to receive, view, print or save a notice, disclosure or document.

  Your Right to Receive Paper Copies

  You are not required to receive electronic notices, disclosures, and documents or sign documents electronically and may request paper copies of notices, disclosures and documents if you prefer to do so. You also have the ability to download and print any notices, disclosures and documents you have access to through the electronic application process. If you wish to receive paper copies in lieu of electronic notices, disclosures and documents you may close this web browser and request paper copies from CEFCU by following the procedures outlined below.

  How, after You Consent, to Receive a Paper Copy of Any Notice, Disclosure or Document and Whether Any Fee Will Be Charged For Such Copy

  You may receive a paper copy of any notice, disclosure or document by contacting a CEFCU Member Service Representative at any of our locations, by calling CEFCU at 309.633.7000 or 800.633.7077 or by submitting a copy request in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715. The copy request must contain your account number, name, contact phone number and a description of the notice, disclosure or document requested and must be signed by you. You will be charged a fee for a duplicate periodic statement as set forth in the CEFCU Fee Schedule.

  Your Right to Withdraw Your Consent and Any Conditions, Consequences, or Fees Associated with You Withdrawing Your Consent

  You have the right to withdraw your consent to have a notice, disclosure or document provided or made available to you in electronic form at any time.

  There are currently no conditions, consequences or fees associated with you withdrawing your consent.

  A Description of the Procedures You Must Use to Withdraw Your Consent

  You may withdraw your consent to receive a notice, disclosure or document electronically at any time. If you wish to do so, please notify us in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715 or via email at email@cefcu.com and provide your name, mailing address, daytime telephone number, and a description of the notice, disclosure or document from which you are withdrawing your consent.

  You Must Keep Your Email Address and/or Mobile Phone Number Current with CEFCU

  You are responsible for informing CEFCU of any change in your email address or mobile phone number. You can update your contact information by visiting any local CEFCU Member Center or by contacting CEFCU Member Contact Center at 800.633.7077.

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• Indirect Dealer Agreement, Schedules and Amendments

  ESIGN Act Disclosure Regarding Indirect Dealer Agreement, Schedules and Amendments (This “Disclosure”)

  Please read the following information. By agreeing to this “Disclosure” and proceeding forward, you are agreeing that you have reviewed this Disclosure and consent to receive and send documents electronically and to sign document(s) electronically. You understand that your electronic signature is legally binding, just as if you had signed a paper document.

  You are not required to receive and send documents electronically or sign documents electronically. If you prefer not to do so, you may request to receive paper copies and withdraw your consent at any time as described below.

  Scope of Your Consent

  By checking the box: “I agree to the Consumer Disclosure”:

  1. You certify that you are a person authorized to receive, send and sign CEFCU documents electronically for the Dealer.
  2. You consent to receive, send and sign CEFCU documents electronically for the Dealer.
  3. You acknowledge that your consent to receive, send and sign CEFCU documents electronically for the Dealer applies to the CEFCU Dealer Agreement, First Amendment to Dealer Agreement, Schedule A, Schedule B, Rate Sheet, Dealer Checklist, W-9 (Request for Taxpayer Identification Number and Certification), and other related documents.

  You acknowledge that there is a Resolution on file with CEFCU from the Dealer verifying the authorized signer(s) for the Dealer and authorizing those signers to receive, send and sign CEFCU documents electronically for the Dealer.

  You acknowledge that you are not required to give the Dealer’s consent to receive, send and sign CEFCU documents and that you may decline to give the Dealer’s consent to receive, send and sign CEFCU documents electronically by clicking “Decline to sign”. By clicking “Decline to sign”, you may not proceed to review and sign the documents electronically for the Dealer but instead the Dealer must receive and sign a paper document.

  Your Right to Receive Paper Copies

  You are not required to receive electronic notices, disclosures, and documents or sign documents electronically and may request paper copies of notices, disclosures and documents if you prefer to do so. You also have the ability to download and print any notices, disclosures and documents you have access to through the electronic application process. If you wish to receive paper copies in lieu of electronic notices, disclosures and documents you may close this web browser and request paper copies from CEFCU by following the procedures outlined below.

  How, after You Consent, to Receive a Paper Copy of Any Notice, Disclosure or Document and Whether Any Fee Will Be Charged For Such Copy

  You may receive a paper copy of any notice, disclosure or document by contacting a CEFCU Member Service Representative at any of our locations, by calling CEFCU at 309.633.7000 or 800.633.7077 or by submitting a copy request in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715. The copy request must contain your account number, name, contact phone number and a description of the notice, disclosure or document requested and must be signed by you. You will be charged a fee for a duplicate periodic statement as set forth in the CEFCU Fee Schedule.

  Your Right to Withdraw Your Consent and Any Conditions, Consequences, or Fees Associated with You Withdrawing Your Consent

  You have the right to withdraw your consent to have a notice, disclosure or document provided or made available to you in electronic form at any time.

  There are currently no conditions, consequences or fees associated with you withdrawing your consent.

  A Description of the Procedures You Must Use to Withdraw Your Consent

  You may withdraw your consent to receive a notice, disclosure or document electronically at any time. If you wish to do so, please notify us in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715 or via email at email@cefcu.com and provide your name, mailing address, daytime telephone number, and a description of the notice, disclosure or document from which you are withdrawing your consent.

  You Must Keep Your Email Address and/or Mobile Phone Number Current with CEFCU

  You are responsible for informing CEFCU of any change in your email address or mobile phone number. You can update your contact information by visiting any local CEFCU Member Center or by contacting CEFCU Member Contact Center at 800.633.7077.

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• Service Provider Supplemental Terms Addendum

  ESIGN Act Disclosure Regarding Service Provider Supplemental Terms Addendum (This “Disclosure”)

  Please read the following information. By agreeing to this “Disclosure” and proceeding forward, you are agreeing that you have reviewed this Disclosure and consent to receive and send documents electronically and to sign document(s) electronically. You understand that your electronic signature is legally binding, just as if you had signed a paper document.

  You are not required to receive and send documents electronically or sign documents electronically. If you prefer not to do so, you may request to receive paper copies and withdraw your consent at any time as described below.

  Scope of Your Consent

  By checking the box: “I agree to the Consumer Disclosure”:

  1. You certify that you are a person authorized to receive, send and sign CEFCU documents electronically for the Service Provider.
  2. You consent to receive, send and sign CEFCU documents electronically for the Service Provider.
  3. You acknowledge that your consent to receive, send and sign CEFCU documents electronically for the Service Provider applies to the Supplemental Terms Addendum.

  You acknowledge that you are not required to give the Service Provider’s consent to receive, send and sign CEFCU documents and that you may decline to give the Service Provider’s consent to receive, send and sign CEFCU documents electronically by clicking “Decline to sign”. By clicking “Decline to sign”, you may not proceed to review and sign documents electronically for the Service Provider but instead the Service Provider must receive and sign a paper document.

  Your Right to Receive Paper Copies

  You are not required to receive electronic notices, disclosures, and documents or sign documents electronically and may request paper copies of notices, disclosures and documents if you prefer to do so. You also have the ability to download and print any notices, disclosures and documents you have access to through the electronic application process. If you wish to receive paper copies in lieu of electronic notices, disclosures and documents you may close this web browser and request paper copies from CEFCU by following the procedures outlined below.

  How, after You Consent, to Receive a Paper Copy of Any Notice, Disclosure or Document and Whether Any Fee Will Be Charged For Such Copy

  You may receive a paper copy of any notice, disclosure or document by contacting a CEFCU Member Service Representative at any of our locations, by calling CEFCU at 309.633.7000 or 800.633.7077 or by submitting a copy request in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715. The copy request must contain your account number, name, contact phone number and a description of the notice, disclosure or document requested and must be signed by you. You will be charged a fee for a duplicate periodic statement as set forth in the CEFCU Fee Schedule.

  Your Right to Withdraw Your Consent and Any Conditions, Consequences, or Fees Associated with You Withdrawing Your Consent

  You have the right to withdraw your consent to have a notice, disclosure or document provided or made available to you in electronic form at any time.

  There are currently no conditions, consequences or fees associated with you withdrawing your consent.

  A Description of the Procedures You Must Use to Withdraw Your Consent

  You may withdraw your consent to receive a notice, disclosure or document electronically at any time. If you wish to do so, please notify us in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715 or via email at email@cefcu.com and provide your name, mailing address, daytime telephone number, and a description of the notice, disclosure or document from which you are withdrawing your consent.

  You Must Keep Your Email Address and/or Mobile Phone Number Current with CEFCU

  You are responsible for informing CEFCU of any change in your email address or mobile phone number. You can update your contact information by visiting any local CEFCU Member Center or by contacting CEFCU Member Contact Center at 800.633.7077.

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• Business Loans and Lines of Credit

  ESIGN Act Disclosure Regarding Business Loans and Lines of Credit (This “Disclosure”)

  Please read the following information. By agreeing to this “Disclosure” and proceeding forward, you are agreeing that you have reviewed this Disclosure and consent to receive and send documents electronically for a sole proprietorship, association, partnership, limited liability company, corporation or trust (the “Business”) and to sign document(s) electronically for the Business. You understand that your electronic signature is legally binding, just as if you had signed a paper document.

  You are not required to receive and send documents electronically or sign documents electronically for the Business. If you prefer not to do so, you may request to receive paper copies and withdraw your consent at any time as described below.

  You represent and warrant that you have full authority to consent to receive and send CEFCU documents electronically and to sign CEFCU documents electronically for the Business. CEFCU’s acceptance of documents signed electronically for the Business is conditioned on CEFCU receiving a duly executed and certified Resolution (if the Business is an association, partnership, limited liability company or corporation) or Certification and Agreement (if the Business is a trust) authorizing the person(s) who signed the document(s) to consent to receive and send documents electronically for the Business and to sign documents electronically for the Business and any other documents that CEFCU may require to verify the identity of the Business and the person(s) signing electronically for the Business.

  Scope of Your Consent

  Business Loan and Line of Credit Applications. You acknowledge that your consent to receive, send and sign CEFCU documents electronically for the Business applies to notices, disclosures and documents associated with the business loan or line of credit applied for and/or requested in connection with the Business’ application, the consummation of the Business’ loan and/or line of credit and over the course of the Business’ relationship with CEFCU regarding that loan and/or line of credit. Consenting to receive and send documents electronically, and to sign documents electronically, includes any subsequent notices, disclosures and documents CEFCU may or is required to provide the Business and/or that the Business may or is required to provide CEFCU over the course of its relationship with CEFCU regarding that loan and/or line of credit, including but not limited to, the modification of the Business’ loan and/or line of credit. Consenting to receive and send documents electronically and to sign documents electronically, includes any notices, disclosures and documents CEFCU may or is required to provide the Business regarding any loan and/or line of credit the Business previously obtained from CEFCU regardless of whether the Business consented to receive and send documents electronically and to sign documents electronically, with regard to that loan and/or line of credit.

  To receive the Business’ periodic statements electronically the Business must enroll in CEFCU On-Line & Mobile Banking and request eStatements.

  Method of Providing Notices, Disclosures and Documents to You in Electronic Form

  All notices, disclosures, and documents may be viewed electronically on this website and saved by:

  1. Printing paper copies;
  2. Downloading and saving electronic copies; and
  3. Storing the hyperlink on your computer.

  In addition, CEFCU may deliver notices, disclosures, and documents to you by any of the following methods: (a) by sending a notice to an email address you have provided us and making the notices, disclosures, and documents available to you through CEFCU On-Line & Mobile Banking; or (b) by sending the notices, disclosures, and documents to an email address you have provided us or to a wireless device you have designated; or (c) to the extent permissible by law, by access to a web site that CEFCU will generally designate in advance for such purpose; or (d) any other electronic means we have mutually agreed upon. Delivery of notices, disclosures, and documents by any of these methods will be considered “in writing” and you intend that the electronic notices, disclosures, and documents have the same legal effect as written and signed paper documents.

  Required Equipment and Software to Access and Retain Notices, Disclosures and Documents

  In order to use electronic signatures and to receive and save any notices, disclosures and documents electronically you must have:

  • A computer, mobile device, or other electronic device with internet access;
  • A standards-compliant web-browser which supports the HTTPS protocol, HTML, and cookies;
  • A program that reads and displays PDF files such as Adobe Acrobat Reader; and
  • An active email address.

  To print and save any notices, disclosures and documents in electronic form using your computer, you will need:

  • A printer (to print paper copies); and
  • A hard drive or other storage device (to download and save electronic copies).

  To print and save any notices, disclosures and documents in electronic form using your mobile or electronic device, you will need:

  • A printer capable of printing the screen shots on your mobile or electronic device (to print paper copies); and
  • An electronic device capable of taking a screen shot that can be printed (to save electronic copies).

  Changes to Hardware and /or Software Requirements

  You will be notified of any changes to the hardware and/or software requirements that may create a material risk that you will not be able to receive, view, print or save a notice, disclosure or document.

  Your Right to Receive Paper Copies

  You are not required to receive electronic notices, disclosures, and documents or sign documents electronically and may request paper copies of notices, disclosures and documents if you prefer to do so. You also have the ability to download and print any notices, disclosures and documents you have access to through the electronic application process. If you wish to receive paper copies in lieu of electronic notices, disclosures and documents you may close this web browser and request paper copies from CEFCU by following the procedures outlined below.

  How, after You Consent, to Receive a Paper Copy of Any Notice, Disclosure or Document and Whether Any Fee Will Be Charged For Such Copy

  You may receive a paper copy of any notice, disclosure or document by contacting a CEFCU Member Service Representative at any of our locations, by calling CEFCU at 309.633.7000 or 800.633.7077 or by submitting a copy request in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715. The copy request must contain your account number, name, contact phone number and a description of the notice, disclosure or document requested and must be signed by you. You will be charged a fee for a duplicate periodic statement as set forth in the CEFCU Fee Schedule.

  Your Right to Withdraw Your Consent and Any Conditions, Consequences, or Fees Associated with You Withdrawing Your Consent

  You have the right to withdraw your consent to have a notice, disclosure or document provided or made available to you in electronic form at any time.

  There are currently no conditions, consequences or fees associated with you withdrawing your consent.

  A Description of the Procedures You Must Use to Withdraw Your Consent

  You may withdraw your consent to receive a notice, disclosure or document electronically at any time. If you wish to do so, please notify us in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715 or via email at email@cefcu.com and provide your name, mailing address, daytime telephone number, and a description of the notice, disclosure or document from which you are withdrawing your consent.

  You Must Keep Your Email Address and/or Mobile Phone Number Current with CEFCU

  You are responsible for informing CEFCU of any change in your email address or mobile phone number. You can update your contact information by visiting any local CEFCU Member Center or by contacting CEFCU Member Contact Center at 800.633.7077.

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• Business Deposit and Certificate Account(s) and Related Products and Services

  ESIGN Act Disclosure Regarding Business Deposit and Certificate Account(s) and related Products and Services (This “Disclosure”)

  Please read the following information. By agreeing to this “Disclosure” and proceeding forward, you are agreeing that you have reviewed this Disclosure and consent to receive and send documents electronically for a sole proprietorship, association, partnership, limited liability company, corporation or trust (the “Business”) and to sign document(s) electronically for the Business. You understand that your electronic signature is legally binding, just as if you had signed a paper document.

  You are not required to receive and send documents electronically or sign documents electronically for the Business. If you prefer not to do so, you may request to receive paper copies and withdraw your consent at any time as described below.

  You represent and warrant that you have full authority to consent to receive and send CEFCU documents electronically and to sign CEFCU documents electronically for the Business. CEFCU’s acceptance of documents signed electronically for the Business is conditioned on CEFCU receiving a duly executed and certified Resolution (if the Business is an association, partnership, limited liability company or corporation) or Certification and Agreement (if the Business is a trust) authorizing the person(s) who signed the document(s) to consent to receive and send documents electronically for the Business and to sign documents electronically for the Business and any other documents that CEFCU may require to verify the identity of the Business and the person(s) signing electronically for the Business.

  Scope of Your Consent

  Deposit and Certificate Account(s) and Related Products and Services. You acknowledge that your consent to receive, send and sign CEFCU documents electronically for the Business applies to account opening documents associated with the business deposit and certificate account(s) and related products and services applied for and/or requested in connection with the Business’ application, the opening of the business deposit and certificate account(s) and related products and services and over the course of the Business’ relationship with CEFCU regarding the deposit and certificate account(s) and related products and services including, but not limited to, CEFCU’s Privacy Notice, Business Signature Card, Business Services Deposit Account Agreement, Business Automated Services Application/Agreement, Business Member Automated Services Terms & Conditions Disclosure, CEFCU Business Fee Schedule, CEFCU Business Deposit Accounts Rate Schedule and CEFCU Certificate Accounts Rate Schedule, CEFCU Check Capture Application, CEFCU Check Capture Services Agreement, Business Depository Resolution, Business Facsimile Signatures Agreement, Beneficial Ownership Form, Business Member Due Diligence Checklist, Business Member Overdraft Transfer Plan Request and Designation, Request to Terminate Overdraft Transfer Plan, Certification and Agreement, Identity Information, Money Services Business Questionnaire, Risk Assessment Questionnaire, Personal Financial Statements, Stop Payment/Termination Request and Wire Transfer Request Form and other information regarding the opening of the Business account(s). Consenting to receive and send documents electronically, and to sign documents electronically, includes any subsequent notices, disclosures and documents CEFCU may or is required to provide the Business and/or that the Business may or is required to provide CEFCU over the course of its relationship with CEFCU regarding the business deposit and certificate account(s) and related products and services. Consenting to receive and send documents electronically and to sign documents electronically, includes any notices, disclosures and documents CEFCU may or is required to provide the Business regarding any business deposit and certificate account(s) and related products and services previously obtained from CEFCU regardless of whether the Business consented to receive and send documents electronically and to sign documents electronically, with regard to that business deposit and certificate account(s) and related products and services.

  The Business may seek to obtain new business deposit and certificate account(s) and related products and services from CEFCU in the future. When it does, we may remind the Business that it has already given us its consent to receive and send documents electronically and to sign documents electronically. If the Business then decides not to consent to receive and send documents electronically and to sign documents electronically, the Business’ decision does not mean that the Business has withdrawn its consent for any other CEFCU deposit and certificate account(s) and related products and services.

  To receive the Business’ periodic statements electronically the Business must enroll in CEFCU On-Line & Mobile Banking and request eStatements.

  Method of Providing Notices, Disclosures and Documents to You in Electronic Form

  All notices, disclosures, and documents may be viewed electronically on this website and saved by:

  1. Printing paper copies;
  2. Downloading and saving electronic copies; and
  3. Storing the hyperlink on your computer.

  In addition, CEFCU may deliver notices, disclosures, and documents to you by any of the following methods: (a) by sending a notice to an email address you have provided us and making the notices, disclosures, and documents available to you through CEFCU On-Line & Mobile Banking; or (b) by sending the notices, disclosures, and documents to an email address you have provided us or to a wireless device you have designated; or (c) to the extent permissible by law, by access to a web site that CEFCU will generally designate in advance for such purpose; or (d) any other electronic means we have mutually agreed upon. Delivery of notices, disclosures, and documents by any of these methods will be considered “in writing” and you intend that the electronic notices, disclosures, and documents have the same legal effect as written and signed paper documents.

  Required Equipment and Software to Access and Retain Notices, Disclosures and Documents

  In order to use electronic signatures and to receive and save any notices, disclosures and documents electronically you must have:

  • A computer, mobile device, or other electronic device with internet access;
  • A standards-compliant web-browser which supports the HTTPS protocol, HTML, and cookies;
  • A program that reads and displays PDF files such as Adobe Acrobat Reader; and
  • An active email address.

  To print and save any notices, disclosures and documents in electronic form using your computer, you will need:

  • A printer (to print paper copies); and
  • A hard drive or other storage device (to download and save electronic copies).

  To print and save any notices, disclosures and documents in electronic form using your mobile or electronic device, you will need:

  • A printer capable of printing the screen shots on your mobile or electronic device (to print paper copies); and
  • An electronic device capable of taking a screen shot that can be printed (to save electronic copies).

  Changes to Hardware and /or Software Requirements

  You will be notified of any changes to the hardware and/or software requirements that may create a material risk that you will not be able to receive, view, print or save a notice, disclosure or document.

  Your Right to Receive Paper Copies

  You are not required to receive electronic notices, disclosures, and documents or sign documents electronically and may request paper copies of notices, disclosures and documents if you prefer to do so. You also have the ability to download and print any notices, disclosures and documents you have access to through the electronic application process. If you wish to receive paper copies in lieu of electronic notices, disclosures and documents you may close this web browser and request paper copies from CEFCU by following the procedures outlined below.

  How, after You Consent, to Receive a Paper Copy of Any Notice, Disclosure or Document and Whether Any Fee Will Be Charged For Such Copy

  You may receive a paper copy of any notice, disclosure or document by contacting a CEFCU Member Service Representative at any of our locations, by calling CEFCU at 309.633.7000 or 800.633.7077 or by submitting a copy request in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715. The copy request must contain your account number, name, contact phone number and a description of the notice, disclosure or document requested and must be signed by you. You will be charged a fee for a duplicate periodic statement as set forth in the CEFCU Fee Schedule.

  Your Right to Withdraw Your Consent and Any Conditions, Consequences, or Fees Associated with You Withdrawing Your Consent

  You have the right to withdraw your consent to have a notice, disclosure or document provided or made available to you in electronic form at any time.

  There are currently no conditions, consequences or fees associated with you withdrawing your consent.

  A Description of the Procedures You Must Use to Withdraw Your Consent

  You may withdraw your consent to receive a notice, disclosure or document electronically at any time. If you wish to do so, please notify us in writing to CEFCU at P.O. Box 1715, Peoria, Illinois 61656-1715 or via email at email@cefcu.com and provide your name, mailing address, daytime telephone number, and a description of the notice, disclosure or document from which you are withdrawing your consent.

  You Must Keep Your Email Address and/or Mobile Phone Number Current with CEFCU

  You are responsible for informing CEFCU of any change in your email address or mobile phone number. You can update your contact information by visiting any local CEFCU Member Center or by contacting CEFCU Member Contact Center at 800.633.7077.

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• CEFCU Board of Directors

  ESIGN Act Disclosure Regarding CEFCU Board of Director's Unanimous Consents, Minutes, Resolutions, and other Documents requiring a Director’s signature (This “Disclosure”)

  The CEFCU Board of Directors adopted a Resolution authorizing CEFCU Board members to receive, send and sign CEFCU Board of Director's documents electronically.

  Please read the following information. By agreeing to this “Disclosure” and proceeding forward, you are agreeing that you have reviewed this Disclosure and consent to receive, send and sign CEFCU Board of Director's documents electronically. You understand that your electronic signature is legally binding, just as if you had signed a paper document.

  You are not required to receive and send CEFCU Board of Director's documents electronically or sign CEFCU Board of Director's documents electronically. If you prefer not to do so, you may request to receive paper copies and withdraw your consent at any time as described below.

  Scope of Your Consent

  You acknowledge that your consent to receive, send and sign CEFCU Board of Director's documents electronically applies to Unanimous Consents, Minutes, Resolutions, and other documents requiring a Director’s signature.

  Your Right to Receive Paper Copies

  You are not required to receive, send and sign CEFCU Board of Director's documents electronically and may request a paper copy of any CEFCU Board of Director's documents by contacting the Executive Assistant to the CEO.

  A Description of the Procedures You Must Use to Withdraw Your Consent

  You may withdraw your consent to receive, send and sign CEFCU Board of Director's documents electronically at any time by contacting the Executive Assistant to the CEO.

  To receive, send and sign CEFCU Board of Directors documents electronically You Must Keep Your Email Address Current with CEFCU

  You can update your email address by contacting the Executive Assistant to the CEO.

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• CEFCU Employee Code of Ethics Disclosure

  ESIGN Act Disclosure For CEFCU Employee Gift Offer Disclosure Form (This “Disclosure”)

  CEFCU’s Code of Ethics requires CEFCU employees to disclose in writing offers of gifts exceeding $50, whether accepted or not. Employees may satisfy this disclosure requirement by completing, signing and submitting a CEFCU Gift Offer Disclosure Form.

  Please read the following information. By agreeing to this “Disclosure” and proceeding forward, you are agreeing that you have reviewed this Disclosure and consent to receive, send and sign the CEFCU Gift Offer Disclosure Form electronically. You understand that your electronic signature is legally binding, just as if you had signed a paper document.

  You are not required to receive and send the CEFCU Gift Offer Disclosure Form electronically or sign the CEFCU Gift Offer Disclosure Form electronically. If you prefer not to do so, you may obtain a paper CEFCU Gift Offer Disclosure Form on CEFCU Central under Forms, Internal Audit and withdraw your consent at any time as described below.

  Scope of Your Consent

  You acknowledge that your consent to receive, send and sign the CEFCU Code of Ethics documents electronically applies to the CEFCU Gift Offer Disclosure Form.

  Your Right to Receive Paper Copies

  You are not required to receive, send and sign the CEFCU Gift Offer Disclosure Form electronically and may obtain a paper CEFCU Gift Offer Disclosure Form on CEFCU Central under Forms, Internal Audit.

  A Description of the Procedures You Must Use to Withdraw Your Consent

  You may withdraw your consent to receive, send and sign the CEFCU Gift Offer Disclosure Form electronically at any time by contacting the Assistant Vice President, Internal Audit/Risk Management.

  To receive, send and sign the CEFCU Gift Offer Disclosure Form electronically You Must Keep Your Email Address Current with CEFCU

  You can update your email address by contacting the Assistant Vice President, Internal Audit/Risk Management.

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