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Loan Application Authorization to Receive Electronic Documentation

As permitted by law, You hereby authorize Us to electronically provide any and all documentation (agreements, disclosures, notices, statements, and the like) related to Our various products and services that You may from time to time request and/or use. The electronic transmission of such documentation may be conducted in a variety of means such as (a) an electronic message ("e-mail") sent to You at the e-mail address specified by You (and/or any other address specified by You); (b) Your active retrieval via the Internet by any Internet access means from a specific Internet location (identified by Us in an e-mail message sent to You by the Credit Union); and/or (c) any other means of electronically providing such documentation. You understand and agree that Your consent will remain in effect until and unless withdrawn by You either in an electronic message sent by You to Us or by written request for withdrawal of Your consent sent by You to the Credit Union. If You wish to withdraw Your consent notify Us in writing at 626 Jacksonville Road, Suite 250, Warminster, PA 18974-4862. Your withdrawal of consent to receive documentation in this manner will take effect within a reasonable time period following the receipt of Your request. This authorization does not affect Your right to receive such documentation on paper or in a non-electronic form and You may at any time request that any electronically provided documentation be provided in a paper or non-electronic form. If You would like to receive a document in paper form, please contact Us by calling Us at 215-612-5900 or writing Us at 626 Jacksonville Road, Suite 250, Warminster, PA 18974-4862. You agree to immediately provide Us updated contact information in the event that Your e-mail address (or any other means You have provided Us to contact You) becomes unusable or inaccurate for any reason. A description of the current means used to provide electronic documentation along with current hardware and software requirements to receive such documentation is provided to You separately. You will be provided updated information in the event that We change these methods and/or hardware/software requirements.


To receive electronic records, You understand that the use of a device such as a personal computer ("PC") or personal digital assistant ("PDA") that has a graphical user interface, or "browser", capable of accessing and viewing electronic communications reasonably expected to reside on and transmit within the Internet will be required. Additionally, various software, such as that which can view an electronic file in a portable document file ("pdf") format may be required to view certain electronic communications. Our system is currently designed to operate using world wide web technologies and protocols which are adaptable to a wide variety of end user systems. More specifically, Our system uses SSL encryption and requires a browser with an appropriate Root CA Security Certificate and uses 40-128 bit encryption, depending upon the specific browser being used to access the system. Some browsers may require an update to their security certificate to properly access the system.


Acceptance


You warrant the truth of the information You provide Us during the application process and You realize that it will be relied upon by Us in deciding whether or not to grant the credit applied for. You hereby authorize Us, Our employees and agents to investigate and verify any information provided to Us by You. If Your application is for any Feature Category contained in Our Credit Line Account Program, You agree and understand that if approved, You are contractually liable according to the applicable terms of the Credit Line Account Agreement and Disclosure. You will receive a copy of that Agreement no later than the time of Your first credit advance and You promise to pay all amounts charged to Your Account according to its terms. If this is a joint application, You agree that such liability is joint and several. You understand that any Annual Percentage Rates that You are initially quoted may be different than the rate that You receive if Your credit is approved due to Our underwriting criteria or due to changes made by Our Board of Directors.


IF YOU ARE ISSUED A CREDIT CARD, BY CONTINUING THIS APPLICATION PROCESS AND BY USING YOUR CARD, YOU GRANT AND CONSENT TO A LIEN A LIEN ON YOUR SHARES WITH US (EXCEPT IRA AND KEOGH ACCOUNTS) AND ANY DIVIDENDS DUE OR TO BECOME DUE TO YOU FROM US TO THE EXTENT YOU OWE ON ANY UNPAID CREDIT CARD BALANCE.


Copyright Oak Tree Business Systems,Inc., 2001-2007. All Rights Reserved. OTBS 074 WEB FREE(8/07)