Directions Credit Union provides monthly account statements in either paper or electronic format. If you agree to receive your account statements electronically, paper statements will no longer be mailed to you. Your choice of notification format will apply to all sub accounts (e.g. S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statements. You may obtain a paper copy of any transaction documentation you may require through Directions Credit Union Online Banking access or by calling Directions Credit Union at (888) 508- 2228. You may change the format (paper or electronic) in which you receive statements or your electronic contact information (i.e., e-mail address) at any time on Directions Credit Union Home Banking. We will notify you at your electronic address of the availability of monthly statements, new disclosure material, and any changes in hardware or software that may impact your ability to retrieve electronically formatted information. You agree to notify the Credit Union of changes to your email address and other contact information.

Your eStatements are available for viewing and printing on Directions Credit Union Online Banking for 24 months from the statement date. After that time, you may request a paper copy of your statement by contacting Directions Credit Union.

Fees may apply for paper statement copies that are retrieved by Directions Credit Union.

• Monthly/Quarterly Member Statement Fee $1.00

Disclosures & Notices

Directions Credit Union provides notices & disclosures in either paper or electronic format. Examples of some notices we may send electronically include the Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices and other Notices or Account Disclosures that inform you of changes at the Credit Union. If you agree to receive your account statements electronically, paper notices and disclosures may no longer be mailed to you.

eStatement & Disclosure Hardware & Software Requirements

Access Requirements. To access Directions Credit Union online banking, you need a credit union account, a device with internet access (computer or smartphone), and a registered username and password. You will also typically need your account number and other personally identifiable information, such as your Social Security Number or debit card details, to verify your identity during the initial setup process. Adobe Acrobat Reader may be required to access supporting documents or promotional materials. If there is a change in the hardware/software requirements associated with this service, we will update the browser requirements in this document. It is your sole responsibility to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize Online Banking.

To retain your statement, you must have a hard drive or other storage device to "Save" the file(s) to. Alternatively for retention, your statements may be printed utilizing a printer properly connected to the personal computer hardware or other device you use to access and view your statements.

By signing up for e-documents in online banking, you agree to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials, and any other documents of any nature that would otherwise be provided to you in paper form. You understand that You have the right to receive the aforementioned documents in paper form if I so choose and that you may withdraw consent to receive electronic documents at any time. You understand that by electing to receive the above electronically, you will not receive these documents in paper form by mail or otherwise. You may receive delivery of these documents electronically or in paper form, but not both. You understand that you must inform the Credit Union of changes to my email address.