By choosing to receive Electronic Statements from within Home Financial Services, you request and agree that any monthly or quarterly Financial Plus Federal Credit Union account statement and all other disclosures required by law from the Credit Union can be delivered to you electronically, at your e-mail address, or to view your statement or disclosures via the Internet upon notice from the Credit Union that such information has been posted on the Credit Union's website.

You understand and acknowledge that you presently have the right to receive such statements and disclosures in paper form, and that you may revoke this option at any time by providing Financial Plus Federal Credit Union with written notice of such revocation, at which time you will again be entitled to receive such statements and disclosures in paper form.

You understand that, in order to receive such disclosures electronically, you must have a Personal Computer (PC) with Internet access, maintain an e-mail address, have access to a printer or available storage space on your PC to retain a copy on file, and the following software:

• Adobe Acrobat Reader 6.0 or higher (available free at http://www.adobe.com), and

• Netscape Communicator 4.x or higher (128 bit encrypted), or

  Microsoft Internet Explorer 4.x or higher (128 bit encrypted), or

  Mozilla Firefox 1.5 or higher (128 bit encrypted).

You hereby acknowledge that your equipment meets those technical requirements for receiving, downloading, and printing the information. You understand that in the event you experience difficulties or have questions regarding electronic statements or disclosures you can contact the Credit Union at (810) 244-2200 or toll free (800) 748-0451.

You understand that you must notify the Credit Union if your e-mail address changes by providing the Credit Union with written or electronic notice of any such change in address, and that the effective date of this new e-mail address will be no more than 30 days from the day such notice is acknowledged as received by the Credit Union.

You understand and agree that even though you have agreed to receive disclosures electronically you may contact the Credit Union by e-mail or telephone to request that the Credit Union send a paper copy of a statement, disclosure or notice that has already been sent or available electronically, and that the Credit Union may charge a fee for that service, which fee will be separately disclosed. You agree that such fee can be deducted from any account that you own at the Credit Union.

You understand and agree that the Credit Union retains the right, to the extent permitted by law, to amend this Agreement in the future by providing you with written notice of such changes sent to my last known mailing address or by providing electronic notice of such changes sent to your last known e-mail address. In the future, should the Credit Union, by law or regulation, be permitted to deliver additional notices or disclosures to which you are entitled, you hereby agree to receive such notices or disclosures in electronic format sent to your last known e-mail address.

Rev. 8/1/06