Liberty Savings Federal Credit Union E-Sign Consent

Last updated: July 22, 2019

Liberty Savings Federal Credit Union may need to provide you with certain communications, notices, agreements, billing statements, or disclosures in writing (“Communications”) regarding our Services. Your agreement to this E-sign Consent confirms your ability and consent to receive Communications electronically from Liberty Savings FCU rather than in paper form, and to the use of electronic signatures in our relationship with you (“Consent”).

Electronic Delivery of Communications and Use of Electronic Signatures

Under this Consent, Liberty Savings Federal Credit Union may provide all Communications electronically by email, by text message, or by making them accessible via Liberty Savings FCU websites or applications. Communications include, but are not limited to, (1) agreements and policies required to use the Services (e.g. this Consent, the Liberty Savings FCU Privacy Notice, Liberty Savings Quarterly Newsletters, Liberty Savings Notice of Annual Meeting), (2) payment authorizations and transaction receipts or confirmations, (3) account statements and history, (4) and all federal and state tax statements and documents. We may also use electronic signatures and obtain them from you when processing loan applications.

System Requirements

To access and retain the electronic Communications, you will need the following:

• A computer or mobile device with Internet or mobile connectivity.
• For desktop website-based Communications:
  – Recent web browser that includes 256-bit encryption;
  – The browser must have cookies enabled. Use of browser extensions may impair full website functionality; and
  – Minimum recommended browser standards are the most recent versions of Mozilla Firefox (see http://www.mozilla.com for latest version), Apple Safari (see http://www.apple.com/safari for latest version), or Google Chrome (see http://www.google.com/chrome for latest version).
• For application-based Communications:
  – A recent device operating system that supports text messaging, downloading, and applications from the Apple App Store or Google Play store; and
  – The most recent versions of Apple Safari or Google Chrome on iOS or Google Chrome for Android OS.
• Access to the email address used to create an account for Liberty Savings FCU.
• Sufficient storage space to save Communications and/or a printer to print them.
• If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add bounce.returns@mail.users.com to your email address book.

Paper Delivery of Communications

You have the right to receive Communications in paper form. To request a paper copy of any Communication at no charge, please write to Liberty Savings Federal Credit Union ATTENTION: E-STATEMENTS 666 Newark Avenue, Jersey City, NJ 07306 within 180 days of the date of the Disclosure, specifying in detail the Communication you would like to receive. For the avoidance of doubt, requesting a paper copy of any Communication, in and of itself, will not be treated as withdrawal of consent to receive electronic Communications.

Withdrawal of Consent to Electronic Communications

You may withdraw your consent to receive electronic Communications at any time, by writing to the Liberty Savings Federal Credit Union Address. However, withdrawal of your consent to receive electronic Communications may result in application of a monthly account fee for request of an elective, premium service, if applicable at that time. Any withdrawal of your consent will be effective after a reasonable period for processing your request, and Liberty Savings FCU will confirm your withdrawal of consent and its effective date in writing (either electronically or in paper form).

Updating Your Email Address

You can change your email address by writing to the Liberty Savings FCU Address.