E-Communication and E-Signature Disclosure

From time to time, Tower Federal Credit Union ("Tower," "we," "us," or "our") may be required by law to provide you with certain written notices, disclosures, authorizations, acknowledgements, agreements, statements, and other documents in connection with your membership, accounts, and other products and services (collectively, "Documents").

This E-Communication and E-Signature Disclosure ("Disclosure") describes the terms and conditions under which:

• Documents may be provided to you electronically;
• You consent to receive electronic communications ("eCommunications"); and
• You may sign Documents electronically.

Please read this Disclosure carefully.

1. Consent to Electronic Records and Communications
   By selecting "Agree and Submit" or taking a similar affirmative action to indicate your consent, you:
   • Consent to receive electronically the Documents described in this section;
   • Agree that Documents may be delivered through our electronic signing system, online banking platform, email, secure messaging system, or other electronic means we make available; and
   • Confirm that you are able to access and review Documents in electronic form.
   Your consent applies to the following Documents we are required or choose to provide to you during the course of your relationship with Tower, unless you withdraw your consent as described below:
   • Applications, agreements, and disclosures for your membership, accounts, and other products and services;
   • Periodic statements;
   • Change-in-terms notices and other notices related to your accounts;
   • Privacy notices; and
   • Other notices and Documents related to your relationship with Tower that we are required or permitted by law to provide.
2. Consent to Use Electronic Signatures
   You agree that your electronic signature, including any electronic sound, symbol, process, or action associated with a record and executed or adopted by you with the intent to sign, has the same legal effect, validity, and enforceability as your handwritten signature.
   
   By electronically signing any Document, you acknowledge your intent to be legally bound by its terms.
3. Paper Copies
   You have the right to receive paper copies of any Document that is provided or made available to you electronically.
   
   You may download and print Documents during and immediately after an electronic signing session. Documents may remain available electronically for a limited period of time, so we recommend that you download, save, or print a copy of each Document, including any Document displayed on a web page, for your records.
   
   You may request that Tower mail paper copies of Documents previously provided electronically at no charge. To request paper copies, email: [email protected] or call 866-56-TOWER (866-568-6937).
   
   Please include your:
   • Full name
   • Mailing address
   • Telephone number
   • Email address associated with your account
   There is no fee for paper copies.
4. Withdrawing Your Consent
   You may withdraw your consent to receive Documents electronically at any time. To withdraw consent, you may:
   • Email [email protected] stating that you are withdrawing consent; or
   • Call 866-56-TOWER (866-568-6937).
   Your request should include your:
   • Full name
   • Mailing address
   • Telephone number
   • Email address associated with your account
   No additional information is required to process your withdrawal, and no fee will be charged. Your withdrawal will take effect within a reasonable time after we receive it. Withdrawal of consent will apply to future Documents and will not affect the legal validity or enforceability of Documents previously provided or electronically signed.
   
   After withdrawal, Tower will provide required notices and disclosures to you in paper form.
5. Consequences of Withdrawing Consent
   If you withdraw your consent to electronic delivery:
   • Certain transactions and delivery of services may be delayed because paper Documents must be mailed to you and returned; and
   • You may no longer be able to receive Documents electronically or sign Documents electronically through our electronic systems.
6. Delivery of Notices and Disclosures
   Unless you withdraw your consent in accordance with this Disclosure, Tower may provide electronically the Documents described in Section 1 during the course of your relationship with us.
   
   Documents will be delivered using the electronic contact information you have provided. We may continue to send Documents, including updates and notices, using the same electronic method and the contact information we have on file, unless you update it as described in Section 7.
7. Updating Your Email Address
   It is your responsibility to keep your email address current.
   
   To update the email address used for electronic delivery of Documents, please call: 866-56-TOWER (866-568-6937) or update it through online banking.
   
   Failure to maintain accurate contact information may result in delayed or missed communications.
8. Hardware and Software Requirements
   To access, view, download, sign, and retain electronic Documents, you must have:
   • A computer, tablet, or mobile device with internet access;
   • A current web browser that supports encryption, to view Documents provided in HTML (web page) format;
   • Software that can open PDF files, if Documents are provided to you in PDF format;
   • A valid email address; and
   • Sufficient storage space or a printer to retain Documents.
   If these requirements change in a way that creates a material risk that you will not be able to access or retain Documents, we will notify you of the revised requirements. You may then withdraw your consent without fee, and we will ask you to confirm your consent again.
9. Confirmation of Access and Agreement
   By selecting "Agree and Submit" or taking a similar affirmative action to indicate your consent, you confirm that:
   • You have read and understand this Disclosure;
   • You can access and retain this Disclosure and other Documents electronically or in printed form;
   • You are able to open, view, and retain Documents provided in HTML (web page) format, and in PDF format if PDF Documents are provided to you;
   • You consent to receive Documents and eCommunications electronically; and
   • You agree to use electronic signatures and acknowledge that they are legally binding.
10. Declining to Consent
    If you do not consent to this Disclosure, you will not be able to complete your application, account opening, or signing session electronically. You may complete your transaction at any branch, or contact Tower at 866-56-TOWER (866-568-6937) or [email protected] for paper-based alternatives.