By accepting the Agreement, you are signing up to receive your account statements online, rather than by postal mail. Please carefully review the information below as it contains important details about this service.

E-Statement Agreement

This Agreement is a contract that establishes the terms covering the electronic delivery of your quarterly account statements (e-statement). By entering into this Agreement, you accept all of the terms and conditions contained herein. Each of your accounts at the Johnstown School Employees Federal Credit Union is also governed by the applicable account disclosure/agreement and the Truth In Savings disclosure you received when you opened your account.

E-Statement Delivery Consent

By accepting this Agreement, you agree to receive your quarterly account statement(s) electronically via the Johnstown School Employees Federal Credit Union's website. You also agree to allow newsletters, promotional materials and future notices or disclosures as required by law to be delivered electronically via email or the Home Banking website. You will no longer receive these via U.S. mail.

Accessing E-Statements

We will send an email to your specified email address to advise you of when your e-statement is available for viewing. You will need to log into your account through the Johnstown School Employees Federal Credit Union Home Banking website. You may request a paper copy of your statement at any time by contacting us at (814) 255-6642 or by sending an email to jsefcu3120@netscape.net.

Hardware and Software Requirements

In order to receive Online Statements, your computer must meet the following requirements:

• Javascript enabled
• PDF viewer installed
• Use on of the following web browsers:
  • Internet Explorer, version 7.0 or higher
  • Firefox browser, version 10.0 or higher
  • Google Chrome
  • Safari, version 5.0 or higher

E-mail Address

In order to receive e-statements, you must provide the Johnstown School Employees Federal Credit Union with a valid e-mail address. You agree to notify the Johnstown School Employees Federal Credit Union of any changes in your e-mail address in a timely manner. If we have an invalid e-mail address, you will be removed from the e-statement program and issued paper statements to your last known address until this is corrected. It is your responsibility to ensure that if your Internet Service Provider filters your e-mail for SPAM, that you are able to receive e-mails from jsefcu.com and cmsnw.com.

Governing Law

This Agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the State of Pennsylvania, and by the Bylaws of the Johnstown School Employees Federal Credit Union as they now exist or may be hereafter amended. You understand that we must comply with these laws, regulations, and rules.

You agree that if there is any inconsistency between the terms of the Agreement and any applicable law, regulation, or rule, the terms of the Agreement will prevail to the extent any such law, regulation, or rule may be modified by this agreement between us.

Your Right to Terminate

You may withdraw your consent to receive e-statements at any time by contacting us at jsefcu3120@netscape.net or in writing to:

Johnstown School Employees Federal Credit Union
738 Viewmont Avenue
Johnstown, PA 15905

Please note it may take up to 7-10 business days for your request to be processed depending on the method with which you notify us.

Notices

The Johnstown School Employees Federal Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Johnstown School Employees Federal Credit Union will post the notice on the Home Banking Website at least thirty (30) days before the effective date of any change. Use of the e-statement service is subject to existing regulations governing your accounts and any future change to those regulations.

In Case of Errors or Questions About Your Statement

If you think your statement is wrong, or if you need more information about a transaction on your statement, write to us at the address shown on your statement as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:

• Your name and account number
• The dollar amount of the suspected error and date
• Describe the error and explain if you can, why you believe this is an error. If you need more information, describe the item you are unsure about.

You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. While we investigate your questions, we cannot report you as delinquent or take any action to collect the amount you question.

Review of E-Statements

You must promptly review your e-statement and any accompanying items, and notify us in writing with the applicable time period of any specified error, unauthorized signature, unauthorized withdrawal, alteration or other irregularity.

Your e-statements will be dated the day the e-statement availability notification is sent to you by e-mail, and any applicable time periods within which you must notify us of any errors on your account statements shall begin on the date of the e-statement regardless of when you received and/or accessed the e-statement.