Advanced Add-on Request

  • Borrower Information

  • In accordance with your loan agreement.
    • Each Add-on request must be $500.00 or more.
    • There is a 1% fee for each add-on request.
  • E-Sign Act Disclosure

    E‐Sign Act Disclosure The Electronic Signatures in Global and National Commerce Act (ESIGN, Pub.L. 106-229, 14 Stat. 464, enacted June 30, 2000, 15 U.S.C. ch.96) is a United States federal law passed by the U.S. Congress to facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the validity and legal effect of contracts entered into electronically. Although every state has at least one law pertaining to electronic signatures, it is the federal law that lays out the guidelines for interstate commerce. E-SIGN DISCLOSURE AND CONSENT This E-Sign Disclosure and Consent applies to all communications between the member and AMERICA’S FIRST NETWORK CREDIT UNION AND ITS DIVISIONS that are not otherwise governed by the terms and conditions of an electronic disclosure and consent. The words "we," "us," and "our" refer to America’s First Network Credit Union and its Divisions, with whom you have your account, and the words "you" and "your" mean you, the individual member(s) or entity identified on the Account(s). "Communication" means any member agreements or amendments thereto, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the product or service, including but not limited to information that we are required by law to provide to you in writing. 1. Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this disclosure applies, you agree that we may provide you with any communication in electronic format, and that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to: • All legal and regulatory disclosures and communications associated with the product or service available through for your Account. • Notices or disclosures about a change in the terms of your Account or associated payment feature and responses to claims. • Privacy policies and notices. • Monthly (or other periodic) billing or account statements for your Account(s) or such other Communications that we may include from time to time as part of the enrollment in the eStatements program. • Your consent to receive electronic Communications does not automatically enroll you in eStatements. You must complete a separate enrollment to stop receiving by U.S. Mail paper account statements (and any other types of Communications we may include in e-Statements). 2. Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic form will be provided either (1) via e-mail, (2) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, or (3) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose. 3. How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form by contacting us at , by calling 203-381-3800 or by contacting the nearest branch location. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however your access and use of our Online Services may be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. 4. How to Update Your Records. It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through , by calling us at 203-381-3800 or by contacting the nearest branch location. 5. Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have: • an Internet browser that supports 128 bit encryption; • sufficient electronic storage capacity on your computer's hard drive or other data storage unit; • an e-mail account with an Internet service provider and e-mail software in order to participate in our electronic communications programs; • a personal computer (for PC's: Pentium 120 MHz or higher; for Macintosh, Power Mac 9500, Power PC 604 processor 120-MHz Base or higher), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing communications received from us in electronic form via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above. • PDF document viewer software. 6. Requesting Paper Copies. We will not send you a paper copy of any communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic communication to you. To request a paper copy, contact us by logging in to and request a paper copy via email, or send a postal letter, or call us at 203-381-3800 or visit one of our branches in person. We may charge you a reasonable service charge for the delivery of paper copies of any communication provided to you electronically pursuant to this authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically. 7. Communications in Writing. All communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this disclosure and any other communication that is important to you. 8. Signature. By accepting an account at America’s First Network Credit Union and/or one of its Divisions that requires e-Statements, e-notices, mobile alerts and notices, or by submitting an online application for services, you agree that an electronic facsimile of your signature or electronic agreement carries the full legal weight of a written signature. 9. Federal Law. You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means. 10. Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic communications, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such termination or change as required by law. 11. Consent. By agreeing to the terms of an account requiring electronic signature, e-statements, or enotifications, or by checking "I have read, understand, and agree to the E-Sign Act." you hereby give your affirmative consent to provide electronic communications to you as described herein. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send electronic Communications to you