Mobile Check Deposit Agreement (“Agreement”)
This Agreement contains the terms and conditions for the use of Mobile Check Deposit (“MCD”)
Services. By accepting the Terms and Conditions, I, as the account signer, authorize America’s First Network Credit Union
to verify credit and/or have a credit reporting agency prepare a credit report.
1. Services and Service Terms.
The MCD Services (“Service(s)”) are designed to allow you to make deposits to your checking account from a supported
“Capture Device.” Smartphones running iOS 3.1 and Android 4.1 have been tested and are compatible with the Service.
Additional Smartphone models may be supported in the future. Although other operating systems may allow access to
the Service, use of non-supported operating systems is not supported, and satisfactory performance is not assured. User
assumes all risk associated with the use of a non-supported Capture Device.
The following terms and conditions apply to the Services for MCD; depositor acknowledges and agrees that the Services
or any portion of the Services may be provided by one or more subcontractors.
2. Acceptance of these Terms.
Your acceptance of these terms and/or use of the services constitutes your acceptance of this
Agreement. The agreement is subject to change; we will notify you of any material change via email or on our website
with a link to the revised agreement. Further, America’s First Network Credit Union reserves the right, in its sole
discretion, to change, modify, add, or remove portions from the Services. Your continued use of the Services will
indicate your acceptance of any such changes to the Services.
3.1. “Authorized User” means Depositor or agent of Depositor.
3.2. “Banking Day” means any day which America’s First Network Credit Union is open to conduct substantially all of its
banking services, but shall not include Saturday, Sunday or bank holidays.
3.3. “Capture Device” means any device acceptable to America’s First Network Credit Union that provides for the
capture of images from original Items and for transmission through a clearing process.
3.4. “Check” means an Original Check, as defined in Regulation CC and Check 21 and does not include a Substitute Check
or a remotely created check.
3.5. “Check 21” means the Check Clearing for the 21st Century Act, as well as Subpart D of Federal Reserve Board
Regulation CC, and to the extent applicable, Subpart A.
3.6. “IRD” or “Image Replacement Document” means (a) a Substitute Check as defined in Check 21; or (b) the paper
reproduction that will be created when an Item cannot be converted to an Electronic Transaction.
3.7. “Item” means a Check, money order, cashier’s check, official check, U.S. Treasury check, or any other payment
instrument drawn on or payable through an Office of a United States financial institution from a Payor to Depositor
3.8. “Payor” means consumers or businesses that make payments to Depositor by means of Items.
3.9. “Service(s)” means the specific service(s) provided by America’s First Network Credit Union, including electronic
check conversion and image archive systems that allow the use of a Capture Device to obtain and transmit the front and
back images of Items and accompanying transaction data for the purpose for delivery to America’s First Network Credit
Union for clearing as an IRD. Services also include any applicable support services.
3.10. “Service Start Date” means the date that the Services are first available to the Depositor.
RDC Agreement Pg. 1 of 7
3.11. “Technology” means America’s First Network Credit Union’s or its subcontractor’s deposit capture applications and
processes designed to facilitate the electronic clearing of Items. Said applications are accessed through Capture Devices,
utilizing software and hardware provided by or acceptable to America’s First Network Credit Union, and are proprietary
access points to payment processing networks and systems used to complete the clearing of Items. Technology may
include but is not limited to Depositor service support, reports, software, software tools, user interface designs, and
documentation, and any derivatives, improvements, enhancements or extensions thereof developed or provided by
America’s First Network Credit Union or its subcontractors and used in the provision of Services hereunder. Any
software provided by America’s First Network Credit Union or its subcontractors pursuant to the Service shall be
considered Software as defined in the Software License Agreement.
3.12. “Term” shall mean the term of this Agreement beginning as of the Service Start Date until terminated as provided
4. Depositor Obligations; Suspension/Cancellation of Service.
4.1. Eligible Items. You agree to scan and deposit only checks as that term is defined in the Federal Reserve Regulation
CC (“Reg CC”). You agree that the image of the check transmitted shall be deemed an “item” within the meeting article 4
of the Uniform commercial Code. You agree that you will not use the Services to scan and deposit any checks or other
items as shown below:
a. Checks or items payable to any person or entity other than you.
b. Checks or items drawn or otherwise issued by you or any other person on any of your accounts or any account on
which you are an authorized signer or joint account holder
c. Checks or items drawn on a financial institution located outside the United States.
d. Checks or items not payable in United States Currency.
e. Checks or items containing obvious alteration to any of the fields on the front of the check or
item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not
authorized by the owner of the account on which the check or item is drawn
f. Checks or items previously converted to a substitute check, as defined in Reg CC.
g. Checks or items that are remotely created checks, as defined in Reg CC.
h. Checks or items dated more than 6 months prior to the date of deposit.
i. Checks or items prohibited or otherwise not acceptable under the terms of your America’s First Network Credit Union
4.2. Endorsement. In order for an item to be processed for deposit, it must be restrictively endorsed in the proper
location on the back of the Item with the following words: “For Deposit Only @ AFNCU Account #___________”, with
the correct account number inserted and signed by payee.
4.3. Image Quality. Items transmitted using the Services must be legible, and must comply with requirements
established from time to time by ANSI, the Board of Governors of the Federal Reserve Board, or any other regulatory
agency, clearing house, or association.
4.4. Depositor Responsibilities. Depositor agrees to, at its sole expense: (a) provide connectivity
between the Capture Device and the Technology; (b) maintain the Capture Device in accordance with the instructions
provided by America’s First Network Credit Union, its subcontractors and/or any other Capture Device provider; (c) if
applicable, utilize Depositor’s software, or America’s First Network Credit Union software to scan, load, and format
Items as needed for transmission to America’s First Network Credit Union prior to the communicated cutoff-time; (d)
process return data and any remittance data delivered by America’s First Network Credit Union for the purpose of
updating Depositor internal systems (which may include electronic and paper return Items); (e) implement and maintain
security measures, including firewall protection, in compliance with its obligations under this Agreement.
4.5. Withdrawal of Access/Suspension of Service. America’s First Network Credit Union reserves the right to deny,
suspend or revoke access to the Services immediately, in whole or in part, in its sole discretion, without notice, if
America’s First Network Credit Union believes Depositor and/or its Authorized users are in breach of this Agreement or
are otherwise using or accessing the Services inconsistent with the terms and conditions hereof. Further, America’s First
Network Credit Union or its subcontractor shall have the right to suspend the Service immediately in the event of an
emergency or in the event of force majeure as set forth in the Service Agreement.
4.6. Account Statement Examination. All deposits made through the Services shall be deemed to be correct, unless
Depositor notifies America’s First Network Credit Union of any errors to deposits made through the Services within 60
days after the applicable account statement is mailed or otherwise provided to Depositor.
4.7. Hardware and Software Requirements. In order to utilize the Services, Depositor must have the following hardware
and software with the indicated specifications:
For Enrollment in America’s First Network Credit Union Mobile Check Deposit services, Depositor must have computer
access with the following minimum configurations:
An Intel® Pentium IV 2.6GHz (or faster) PC with 1+ GB of RAM
Windows XP operating system SP 2
Minimum 20 GB of free hard disk space
Internet Explorer 7.0
Internet Connectivity with a minimum speed of 1 MBPS
For depositing checks, Depositor must have an acceptable Capture Device (with camera and internet access)
5. Payment Processing
5.1. IRD Processing. Depositor authorizes America’s First Network Credit Union to convert Items to IRDs or transmit
Items as an image and further authorizes America’s First Network Credit Union or any other bank to which an item is
sent for process. Items may be transmitted to a printing facility for printing and clearing through traditional paper
processing channels, at America’s First Network Federal Credit Union’s sole discretion. The IRDs will be
created in accordance with Check 21; alternatively, America’s First Network Credit Union may process Items as
photocopies in lieu of originals, under guidelines established between America’s First Network Credit Union and
Depositor and applicable industry standards. Items that fail to satisfy the warranties made to America’s First Network
Credit Union by Depositor, that fail to meet the requirements of America’s First Network Credit Union or Check 21, or
that are otherwise not able to be processed may be charged back to Deposit’s account and/or returned to Depositor.
Depositor agrees to be bound by any applicable laws, rules and regulations to which America’s First Network Credit
Union is a party.
5.2. Processing of Items. Images of Items transmitted by Depositor are not considered received by America’s First
Network Credit Union until Depositor has received an electronic confirmation of the receipt of the deposit from
America’s First Network Credit Union. We are not responsible for items we do not receive or for images that are
dropped during transmission. Receipt of the confirmation from America’s First Network Credit Union does not mean
that the transmission was error free or complete. America’s First Network Credit Union reserves the right to reject any
item transmitted through the Services, at our discretion.
5.3. Handling of Transmitted Items. Upon receiving electronic confirmation of receipt of an item,
Depositor agrees to prominently mark the item as “Electronically Presented”; agrees to store the original item in a
safe and secure environment for at least sixty (60) days; and agrees never to represent the item. Depositor will
promptly (but in any event within 5 business days) provide any retained original item to America’s First Network Credit
Union when requested to aid in the clearing and collection process to resolve claims by third parties with respect to any
item or as America’s First Network Credit Union otherwise deems necessary.
5.4. Availability of Funds. Customer understands and agrees that items transmitted using the Services are not subject to
the funds availability requirements of Reg CC. The first $200 of funds from Items deposited under the terms of this
RDC Agreement Pg. 3 of 7
Agreement will generally be available immediately; the remaining funds will generally be available on the second
business day after the day of deposit. America’s First Network Credit Union may make funds available sooner to certain
depositors at its sole discretion.
5.5. Depositor Liability. Depositor shall be solely responsible if any Item for which Depositor has been given provisional
credit is subject to return or reversal, and neither America’s First Network Credit Union nor its subcontractors shall be
liable or responsible for same. Depositor acknowledges that all credits received for deposit are provisional, subject to
verification and final settlement. Any dishonored Items will be returned as an image of the original or a substitute check
as the charged-back item. Information and data reported hereunder: (a) may be received prior to final positing and
confirmation and is subject to correction and (b) is for information purposes only and may not be relied upon. Depositor
agrees that America’s First Network Credit Union shall have no liability for the content of payment-related information.
5.6. Limits. America’s First Network Credit Union reserves the right to impose limits on the amounts(s) and/or number of
deposits that you transmit using the Services, and to modify such limits from time to time.
6. Warranties and Disclaimers
6.1. Depositor Warranty. Depositor represents and warrants to America’s First Network Credit Union: (A) Depositor has
the authority to enter into this agreement and perform its obligations hereunder and all information supplied by
depositor to America’s First Network Credit Union is accurate and true; (B) Depositor will provide all reasonable
assistance to America’s First Network Credit Union and its subcontractors in providing the
services set forth herein; (C) Depositor and any authorized users will only use the services for lawful purposes and in
compliance with all applicable rules and regulations and with Personal Care America Federal Credit Union’s reasonable
instructions, rules, policies, specifications, terms and conditions, and operating procedures and will not violate any law
of any country or the intellectual property rights of any third party; (D) Depositor has only transmitted acceptable items
for deposit and has handled the original items following transmission to America’s First Network Credit Union as agreed,
directed by with America’s First Network Credit Union and in accordance with applicable law; (E) Depositor is a person
authorized to enforce each item or is authorized to obtain payment of each item on behalf of a person entitled to
enforce an item; (F) The items have not been altered; (G) Each item bears all applicable endorsements in a restricted
format as directed by America’s First Network Credit Union; (H) All the warranties set forth in and subject to applicable
laws and regulatory agencies; (I) (1) The electronic image portion of each item accurately and legibly represents all of
the information on the front and back of the original check as of the time the original check was deposited, (2) The
information portion of the item contains a record of all applicable MICR-line information required for a substitute check,
and (3) The item conforms to the technical standards for an electronic item as specified by America’s First Network
Credit Union from time to time; (J) Depositor will submit only one accurate and clear image of the front and back of each
item to America’s First Network Credit Union only one time; (K) Depositor will not deposit the original item and no
person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item,
or a paper or electronic representation of the original item) such that the person will be asked to make payment based
on an item it has already paid; (L) The amount of an item entered by depositor or any authorized user for transmission
to America’s First Network Credit Union is accurate; and (M) Depositor and any authorized users will not (1) Sell, lease,
distribute, license or sublicense the technology or services; (2) Modify, change, alter, disassemble or decompile the
technology or services in any way for any reason; (3) Provide, disclose, divulge or make available to, or permit use of the
technology or services by, any third party; (4) Copy or reproduce all or any part of the technology or services; (5)
Interfere, or attempt to interfere, with the technology or services in any way; (6) Engage in spamming, fraudulent, illegal
or unauthorized use of the services, (7) Introduce or transmit through the technology or services, without limitation, via
any portion of the depositor’s computer system that interfaces with the technology or services, or otherwise, any virus,
worm, software lock, drop dead device, Trojan-horse routine, trap door, back door, timer, time bomb, clock, counter or
other limiting routine, instruction or design or any other codes or instructions that may be used to access, modify,
delete, damage, disable or prevent the use of the technology, services or other computer systems of America’s First
Network Credit Union or its subcontractors; (8) Remove, obscure or alter any copyright notice, trademarks or other
proprietary rights notices affixed to or contained within the technology or services; or (9) Engage in or allow any action
involving the technology or services that is inconsistent with this agreement. Should depositor receive notice of any
RDC Agreement Pg. 4 of 7
claim regarding the services, depositor shall promptly provide America’s First Network Credit Union with a written
notice of such claim.
6.2. America’s First Network Credit Union Warranty. America’s First Network Credit Union warrants that: (A) America’s
First Network Credit Union has the authority to enter into this agreement and perform its obligations hereunder; and (B)
It has developed each service (other than any portion furnished by a subcontractor or third party vendor) and owns
and/or has the right to furnish the same (including any portion furnished by a subcontractor or third party vendor.)
6.3. Disclaimer. Except as set forth above in Section 6.2, America’s First Network Credit Union and its subcontractors
make no representations or warranties, whether express, implied or statutory regarding or relating to any of the
technology or services and/or access to or use of the services or technology provided to depositor hereunder. America’s
First Network Credit Union and its subcontractors specifically disclaim any and all implied warranties of merchantability,
fitness for a particular purpose and non-infringement. America’s First Network Credit Union and its subcontractors also
do not guarantee that depositors’ access to the services provided under this agreement will be uninterrupted, error free
or secure. America’s First Network Credit Union and its subcontractors also do not guarantee the accuracy of, and
specifically disclaim liability for, information or data that is supplied or key-entered by depositor or agents. America’s
First Network Credit Union and its subcontractors do not warrant the accuracy, reliability, completeness or timeliness of
the content of internet websites or other data received by depositor or payors via the internet.
7. Limitation of Liability / Indemnification
7.1. Limitation of Liability. Notwithstanding anything to the contrary herein, in no event will America’s First Network
Credit Union’s liability under this agreement for any damages of any kind exceed an amount equal to the amount of
items received by America’s First Network Credit Union from depositor for the services during the month preceding the
date on which the claim first accrued. America’s First Network Credit Union shall not be liable for any special, indirect or
consequential damages, even if it has been advised of the possibility of these damages.
7.2. Indemnification. In addition to its indemnification obligations in this agreement, and except for losses or expenses
attributable to America’s First Network Credit Union’s own lack of good faith or failure to exercise ordinary care,
depositor agrees to indemnify America’s First Network Credit Union for any loss or expense sustained (including interest,
costs, attorney’s fees and expenses of litigation) resulting from (i) Depositor’s lack of authority to make the warranty in
subsection 6.1 (E); (ii) any action taken or not taken by America’s First Network Credit Union within the scope of its
authority in handling an item; (iii) any warranty required to be made by America’s First Network Credit Union with
respect to an item under applicable law or regulation; and (iv) breach of the warranties in subsections 6.1(A) through
8.1. Termination. In addition to the denial, suspension, revocation and termination provisions in this Agreement,
America’s First Network Credit Union may immediately terminate the Service or any portion of the Service if America’s
First Network Credit Union determines that such Service or portion of any Service is in violation of any law or regulation,
or in its sole discretion and without notice, decides to cease providing this Service. Depositor may terminate the Service
with notice to America’s First Network Credit Union. Any termination will not affect any obligations arising prior to
termination, such as the obligation to process any Items that were processed or in the process of being transmitted or
collected prior to the termination date, or any returns of the same.
8.2. Obligations upon Termination. Upon the termination of this Agreement for any reason: (a)
Depositor’s access to, and use of, the Services will terminate; (b) Depositor will return to America’s First Network Credit
Union any and all America’s First Network Credit Union Services, equipment, software, documentation, Technology or
other deliverables provided to Depositor by Personal Care America Federal Credit Union, including any copies thereof
held by Depositor; (c) America’s First Network Credit Union will deliver to Depositor all Depositor documentation and
other materials stored by Depositor on America’s First Network Credit Union’s or its subcontractor’s network; and (d)
each party shall return any and all Confidential Information in its possession to the party that disclosed such
RDC Agreement Pg. 5 of 7
Confidential Information or destroy same, and provide written verification of same. Notwithstanding the foregoing,
America’s First Network Credit Union’s obligations with respect to subsections (c) and (d) shall be subject to America’s
First Network Credit Union’s record retention policies and applicable laws and regulations. The provisions of sections 6,
7, 8 and 9 shall survive termination of this Agreement.
9.1. America’s First Network Credit Union Information. Depositor acknowledges that the Technology and Service contain
valuable trade secrets, which are the sole property of America’s First Network Credit Union or its subcontractors (“Credit
Union Confidential Information”), and Depositor agrees to hold same in strict confidence and disclose only to those
agents whose duties reasonably require access to same, provided that all such agents are informed of such use or
disclosure restrictions as set forth herein. Depositor agrees to use no less than reasonable care to prevent other parties
from learning of these trade secrets. Depositor will take no less than all reasonable steps to prevent the unauthorized
use, disclosure, duplication or access to the Credit Union Confidential Information.
9.2. Intellectual Property Ownership. This Agreement does not transfer to depositor any ownership or proprietary rights
in the Technology or any work or any part thereof, and all right, title and interest in and to the Technology will remain
solely with America’s First Network Credit Union or its subcontractors.
9.3. Depositor Information. America’s First Network Credit Union acknowledges that Depositors’ information may
contain information regarding its Depositors, which are the sole property of Depositor (“Depositor Confidential
Information,” and, collectively with Credit Union Confidential Information, “Confidential Information”), and America’s
First Network Credit Union agrees to hold same in confidence and will protect Depositor Confidential Information
9.4. Exceptions. The obligations of this Section 9 shall not apply to any information that: (a) is now, or hereafter
becomes, through no act or failure to act on the part of the receiving party (the “Receiver”), generally known or
available; (b) is known by the Receiver at the time of receiving such information, as evidenced by the Receiver’s records;
(c) is hereafter furnished to the Receiver by a third party, as a matter of right and without restriction on disclosure; (d) is
independently developed by the Receiver without reference to or use of the disclosing party’s information; or (e) is
required to be disclosed by law or in connection with a legal or administrative proceeding, provided that the party to
whom the information belongs is given prompt prior written notice of such proposed disclosure, if not otherwise
9.5. Unauthorized Use. Both parties acknowledge that the unauthorized use, disclosure or duplication of trade secrets or
other confidential information belonging to each party shall constitute a material breach of this Agreement and is likely
to cause irreparable injury to the owner, for which there is no adequate remedy at law. Accordingly, America’s First
Network Credit Union and Depositor each hereby agree that the other party may seek injunctive relief against it to
prevent or remedy any breach of the confidentiality obligations described herein without the other party being required
to post bond, or if bond is required, only nominal bond.
10. Miscellaneous Provisions
10.1. Relationship of Parties. America’s First Network Credit Union and Depositor are independent parties and this
Agreement will not establish any relationship of partnership, joint venture, employment, franchise or agency between
America’s First Network Credit Union and Depositor. Neither America’s First Network Credit Union nor Depositor will
have the power to bind the other or incur obligations on the other’s behalf without the other’s prior written consent,
except as otherwise expressly provided herein.
10.2. Notices. Depositor agrees that any notices required or permitted under this Agreement or the Service Agreement
may be given electronically.
10.3. No Waiver. The failure of either party to enforce at any time any provision of this Agreement or to exercise any
right herein provided shall not in any way be construed to be a waiver of such provision or right, and shall not in any way
affect the validity of this Agreement or any part hereof, or limit, prevent or impair the right of either party to
subsequently enforce any provision or exercise any right hereunder.
10.4. Severability. The invalidity or unenforceability of any term or provision hereof shall not affect the validity or
enforceability of any other term or provision.
10.5. Governing Law. This Agreement is entered into in Utah, and shall be governed by the laws of Utah and of the
United States, and any rule or regulation of Utah or a federal agency having jurisdiction over America’s First Network
Credit Union. A determination that any provision of this Agreement is unenforceable or invalid shall not render any
other provision of this Agreement unenforceable or invalid. The rights of America’s First Network
Credit Union under this Agreement are cumulative of all other rights America’s First Network Credit Union may have by
law or otherwise.
10.6. Amendments. Unless applicable law provides otherwise, this Agreement may be amended by notice sent
electronically or by mail to Depositor at Depositor’s last address known to America’s First Network Credit Union to be
effective not less than thirty (30) days after the day transmitted or mailed. America’s First Network Credit Union shall
not be bound by any modification of this Agreement unless America’s First Network Credit Union expressly agrees to the
modification in writing. Depositor shall have the right to terminate the Agreement prior to the effective date of
amendment. This Agreement supersedes all prior agreements and amendments
10.7. Assignment. Depositor may not assign this agreement.
10.8. Entire Agreement. This Agreement constitutes the entire agreement of the parties with respect to the subject
matter hereof and supersedes all existing agreements and all other related communications, written or oral.
I understand and agree to the terms and conditions contained in the Mobile Check Deposit Agreement.
View the E-Sign Disclosure
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
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 www.gpcu.org 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
3. How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic
form by contacting us at www.afncu.com , 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 www.afncu.com , by calling us at 203-381-3800 or by contacting the nearest
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 www.afncu.com 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
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
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
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