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Consent for Electronic Disclosures under the Electronic Signatures in Global and National Commerce Act:
Please read this information carefully and print a copy and/or retain this information electronically for future reference.
Introduction. You are submitting a request for a loan pre-qualification, a loan application or credit card application through Industrial Centre FCU (hereinafter, a “Request”). Industrial Centre FCU can give you certain benefits of our service by conducting its business through the Internet. In order to do this, we need you to consent to our giving you certain disclosures electronically. This document informs you of your rights when receiving legally required disclosures, notices and information (“Disclosures”) from Industrial Centre FCU. By completing and submitting a Loan Request through Industrial Centre FCU online, you acknowledge receipt of this document and consent to the electronic delivery of such disclosures.
Electronic Communications. Any Disclosures related to your Request may be provided to you electronically through Industrial Centre FCU online.
Requesting Paper Copies. If you wish to obtain a paper copy of any of the Disclosures that are being provided electronically, you may write to Industrial Centre FCU, 4501 South Delaware Drive, Muncie, IN, 47302, with the details of your request or you can call us at 765-284-1015 and we will send paper copies to you at no charge.
Consenting to Do Business Electronically. Before you decide to do business electronically with Industrial Centre FCU, you should consider whether you have the required hardware and software capabilities described below.
If You Choose to Consent. If you choose to consent to receiving electronic Disclosures, you may receive Disclosures electronically. Additional disclosures, if necessary, will be sent by U.S. mail within 3 business days. You understand that you can withdraw your consent at any time and at no cost to you by calling 765-284-1015.
If You Choose Not to Consent. If you do not wish to consent to electronic delivery of Disclosures, but wish to continue with your application, please call the Industrial Centre FCU at 765-284-1015.
Scope of Consent. Your consent to receive Disclosures and to do business electronically, and our agreement to do so, only applies to this Request. You will receive Disclosures from Industrial Centre FCU online. After your Request is transmitted to us, and after you decide to continue to pursue your Request, then you and Industrial Centre FCU should discuss how subsequent Disclosures will be delivered.
Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: Internet Explorer 5.0 or newer, Netscape Navigator 5.0 or newer (IE 6.x or Netscape 8.x) or equivalent software; and hardware capable of running this software. If you can read this notice, you have the necessary hardware and software.
Withdrawing Consent. Because Industrial Centre FCU may provide the Disclosures to you as soon as you consent, you will not be able to withdraw your consent to do business electronically with Industrial Centre FCU online. However, you may request paper copies of those disclosures (see Requesting Paper Copies below). You can also withdraw your consent to receive further Disclosures electronically at any time and at no cost to you. You may do so by contacting us at 765-284-1015. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Disclosures will not be affected.
Printing or Saving Electronic Documents. If you choose electronic delivery and want to retain the Disclosures (including this notice) to read them later, you will need to print them or save them. To print them, you will need a basic printer capable of printing Web pages. To save any of the disclosures, you can use the “Save” feature of your Internet browsing software to save the pages to your hard drive or to some other media, such as a floppy disk.
Changes to Your Contact Information. You should keep us informed of any change in your electronic or mailing address. You may contact Industrial Centre FCU by telephone at 765-284-1015 regarding any such changes.
YOUR ABILITY TO ACCESS DISCLOSURES. BY COMPLETING AND SUBMITTING YOUR REQUEST, YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE ELECTRONIC DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.
CONSENT. BY COMPLETING AND SUBMITTING YOUR REQUEST, YOU CONSENT TO HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH INDUSTRIAL CENTRE FCU ELECTRONICALLY IN CONJUNCTION WITH PRE-ESTABLISHED METHODS OF BUSINESS.