<h5> E-Sign Act Consent and Disclosure </h5>
<p>This E-SIGN Act Consent and  Disclosure provides important information required by the Electronic Signatures  in Global and National Commerce Act (E-SIGN Act) and applies to your consent to  and the electronic delivery of all communications and required agreements and  disclosures relating to your applications for a new account, a new loan  application* and other related products and services with Spokane City Credit  Union. </p>

<p>This disclosure is to provide  you with your rights under the Electronic Signatures and National Commerce Act  (E-SIGN). To the extent allowed by law, you agree that any communication from  us to you relating to the online opening of your account, the online  application for your loan* and other related products and services including  but not limited to, disclosures, notices, statements, agreements, confirmations  or other information required to be delivered under applicable law, may be  delivered to you by electronic delivery, and that such electronic delivery  shall be in lieu of written communication. </p>

<p>You have the right to request  paper copies of the electronic disclosures and agreements you receive when you  open your online account, submit your online loan application and apply for  other related products and services. You may request paper copies by: </p>

<p>Writing us at:<br />
Spokane City Credit Union<br />
1930 N Monroe<br />
Spokane, WA 99205</p>

<p>Or, emailing us at:<br />
<a href="mailto:memberservices@sccu.net">memberservices@sccu.net</a> or <a href="mailto:loandepartment@sccu.net">loandepartment@sccu.net</a></p>

<p><strong>Email Address and Keeping  Your Information Current </strong>- In order  to communicate with you regarding your membership, account(s), loan* and any  related products and services you have requested, you must provide us with your  valid email address. It is your responsibility to promptly notify us of any  changes. You can update your email address by either calling us at 509  325-7228, via your Internet Home Banking session, by submitting your change to  us in writing via mail to Spokane City Credit Union, 1930 N Monroe, Spokane, WA  99205 or in person at the Credit Union. </p>

<p><strong>Print and Download  Agreements and Disclosures </strong>- Most  information on and within our website is provided in either HTML and/or PDF  format. For those agreements, disclosures, forms, notices, and other documents  provided/available in PDF format, Adobe Acrobat Reader - A free copy of the  most current version of Adobe Acrobat Reader may be obtained from the Adobe website at <a href="http://www.adobe.com" data-warning="">http://www.adobe.com</a>.</p>

<p>To print or download agreements  and disclosures and other documents you must have a printer connected to your  computer or have sufficient hard-drive space on your computer to download,  store and view the information. To print, click on the document HTML or PDF  link, select Print, select your Printer, and click OK to print to your printer  where the document can be printed on your own paper, or select Save or Save As  to save and retain an electronic copy on your computer.</p>

<p><strong>Hardware and Software Requirements </strong>- You must have access to a computer  with browser software such as Microsoft Internet Explorer; Adobe Acrobat  Reader; Internet access, and an active/operating email address (at your cost).  Your computer needs to support the following requirements: An operating system,  such as the most current version of Microsoft or Macintosh and; access to the  Internet and an Internet browser which supports the most current versions of  Internet Explorer, Firefox, Chrome or Safari.</p>

<p>Other Internet browsers may be used, but are not supported.</p>

<p><strong>By affirmatively consenting, you confirm  that you have access to the necessary hardware and software.</strong></p>

<p><strong>All Agreements and  Disclosures Are &ldquo;In Writing&rdquo; </strong>- This  and all agreements and disclosures delivered electronically or otherwise made  available to you are considered &ldquo;in writing&rdquo; and are available to you in a form  you may keep by either printing or downloading the documents, or by requesting  a paper copy from us.</p>

<p><strong>Withdrawing Consent </strong>&ndash; You have the right to withdraw your electronic  consent to conduct business electronically with us by telephoning us at 509 325-7228.  If you withdraw your consent you may not be able to open additional accounts or request additional products and services online, or view or print/download this  or the above listed agreements and disclosures through our website.</p>

<p><strong>Applicability of Consent </strong>- Your electronic consent to conduct business  electronically applies to establishing your membership, the opening of your new  account(s), your online loan application*and your request for other Spokane City Credit Union products and services.</p>

<p>By clicking on the &ldquo;<strong>SUBMIT</strong>&rdquo; button within each  product or service request, you affirmatively consent to conduct business  electronically with Spokane City Credit Union in connection with your online  membership application, online loan application* or other product or service  which may require electronic consent. You also agree to the receipt of all  agreements and disclosures electronically.</p>

<p>* Home Loan applications are only received through the  website at this time through MortgageClick software. The online application  process requires the applicant to go through specific steps if they wish to  receive electronic documents regarding the home loan.</p>