CONSENT TO RECEIVE DISCLOSURES ELECTRONICALLY

For purposes of this consent, "we," "us," and "our," refers to SchoolsFirst Federal Credit Union, and "you" and "your" refers to each and every person who signs electronically.

Pursuant to the federal Electronic Signatures in Global and National Commerce (ESIGN) Act, we must obtain your consent prior to delivering legal disclosures to you in an electronic format. To establish your share account online and allow us to provide you with account disclosures in an electronic format, your consent is required. If you are applying for a Membership online and do not wish to receive your account disclosures in electronic format, please discontinue your online Membership application and contact our Member Contact Center at (800) 462-8328 or visit a branch.

Consent to Electronic Disclosures

You hereby consent to receive disclosures related to establishing your share account with SchoolsFirst FCU, in electronic format. You may request paper copies of the related disclosures at any time by calling us at (800) 462-8328, Monday through Friday, from 7 a.m. to 7 p.m. and Saturday from 9 a.m. to 3 p.m. Paper copies will be provided to you, upon request, at no charge. This consent to receive disclosures in an electronic format applies only to disclosures related to opening a share account.

To receive disclosures electronically, you must use a computer that meets minimum hardware and software requirements, as well as browser and other requirements.

Withdrawal of Consent

You have the right to withdraw your consent at any time, free of charge. By revoking your consent to receive disclosures in electronic format, we will provide you with them in paper form. If you originally consent to receive disclosures electronically, but later decide to withdraw your consent, you can do so by notifying us by:

Phone: (800) 462-8328.
Mail: 15442 Newport Ave., Tustin, CA 92780.

You will not be required to pay a fee for withdrawing consent or receiving paper copies of the disclosures.

Hardware and Software Requirements

Sufficient free disk space on a hard drive to retain documents.
A modem or other device allowing connection to the Internet.
An established email account and email address, and the ability to access attachments in email.
An up-to-date version of Adobe Acrobat Reader or an Adobe Acrobat Reader browser plug-in.
If you do not have this software, you can download a free up-to-date version at www.adobe.com.

Browser Requirements

Use of SchoolsFirst FCU's Online Banking system required updated versions of Microsoft Internet Explorer, Firefox, Safari or Google Chrome for both PC and Mac. Below are the minimum browser versions supported, as well as links to download the most recent versions:

Cookies

The Online Banking system uses session cookies to maintain extra security while you are logged into your account. The cookies do not reside on your computer hard drive, but only in your computer's memory during your Online Banking session. Please ensure your cookies option is set to 'enabled.'

How We Can Reach You

You must promptly notify us if there is a change in your email address or in other information needed to contact you electronically. You can contact us by:

Phone: (800) 462-8328.
Mail: 15442 Newport Ave., Tustin, CA 92780

We will not assume liability for non-receipt of notification of the availability of electronic disclosures in the event your email address on file is invalid; your email or Internet provider filters the notification as "spam" or "junk mail"; there is a malfunction in your computer, browser, Internet service and/or software; or for other reasons beyond our control.