Disclosures

ELECTRONIC DELIVERY OF STATEMENTS

Please read this Electronic Statement Disclosure Agreement carefully and save or print a copy for your records. By entering into this Agreement, you understand the Credit Union may provide you with electronic records instead of paper copies of any of the following categories of records, but not limited to: periodic statements; account notices; tax reports (such as Form 1099s); member notices (such as updated disclosures).

HARDWARE AND SOFTWARE REQUIREMENTS

You must have a computer with access to the Internet through an Internet Service Provider. You need an operating system (Microsoft® Windows 98 or higher, or IMac® Operating System or higher) and a browser (Microsoft® Internet Explorer 5.0 or higher). Peoples Credit Union is not responsible for any loss, damage or claim caused by your ISP, software, or computer communication equipment. It is your sole responsibility to insure your personal computer and related equipment are compatible. If you cannot meet the requirements for any reason, you have the right to withdraw your consent, which will terminate the agreement.

CONSENT TO ELECTRONIC DELIVERY OF STATEMENTS AND OTHER NOTICES

Once you consent to the Peoples Credit Union's e-Statement Service, you agree that the Credit Union need not provide you with monthly, printed account statements and other Member Notices by mail to your postal address. Instead, you will be required to access our website at www.peoples-credit-union.com in order to view your statement and Member Notices. Electronic notices may be sent to only one e-mail address. If you have more than one Peoples Credit Union account under a separate member number, you will need to submit a request for each account. Generally your e-Statement is available within 1 - 5 business days after the month-end processing is completed. Account statements and other Member Notices sent to you through the e-Statement Service may only be available online for 12 months; therefore, you should print out or otherwise electronically retain account statements and other disclosures regularly.

MEMBER COMMUNICATIONS

You agree to notify us of any change in your current contact information including your e-mail address or preferences surrounding statement delivery, post office address, physical address and phone number, by visiting any of our branch offices, calling us at (515) 832-6346, sending us an e-mail at contact@peoplescu.net or by writing to us at: Peoples Credit Union, 310 First St, PO Box 545, Webster City, IA 5059.