First Catholic Federal Credit Union: Disclosure Information

FIRST CATHOLIC FEDERAL CREDIT UNION

Authorization and Agreement to Receive Electronic Statements and
other Notices

In this agreement, the terms “I” and “me” refer to all account owners. All account
owners must sign this agreement before it can take effect.

By signing below, I hereby request and agree to receive my credit union statement
and all other notices from the credit union by way of electronic delivery.

Specifically, I agree to receive any disclosures to which I am entitled under Federal
Reserve Board Regulations B (Equal Credit Opportunity Act), E (Electronic Fund
Transfers Act), M (Consumer Leasing Act), Z (Truth in Lending Act), and CC
(Expedited Funds Availability Act); the National Credit Union Administration
Truth in Savings Regulation; the Fair Credit Reporting Act; and the Michigan
Electronic Funds Transfers Act, including but not necessarily limited to my monthly
credit union account statement, at the following e-mail address:

_________________________________
(E-mail Address)

I understand and acknowledge that I presently have the right to receive such
disclosures in paper form, and that I may revoke this Authorization and Agreement
at any time by providing First Catholic Federal Credit Union with written notice of
such revocation, at which time I will again be entitled to receive such disclosures in
paper form. Whether I send such notice of revocation by paper or electronic means,
the effective date of my revocation of this agreement will be no more than 30 days
from the day such notice is acknowledged as received by the credit union.

I understand that, in order to receive such disclosures electronically I must maintain
an e-mail address, and must maintain equipment that meets the following
minimum standards:

Microsoft Internet Explorer 4.0 or higher, Netscape Navigator 4.7 or any
browser capable of handling 128 bit encryption software
Adobe Acrobat Reader

I hereby acknowledge that my equipment meets those technical requirements for
receiving, downloading, and printing the information.

I understand that in the event I experience difficulties or have questions regarding
electronic disclosures I can contact First Catholic Federal Credit Union at
(313) 291-7060.

I understand that I must notify the credit union if my 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.  I hereby hold the credit union harmless in the event that I have not received
any required statement or other notice as a result of my failure to notify the credit
union of a change in my e-mail address.

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

I 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 me with written notice
of such changes sent to my last-known mailing address or by providing electronic
notice of such changes sent to my last-known e-mail address.

In the future, should the credit union, by law or regulation, be permitted to deliver
any additional notices or disclosures to which I am entitled besides those
specifically listed herein, I hereby agree to receive such notices or disclosures in
electronic format sent to my last-known e-mail address.

I understand that this agreement will not take effect until the credit union sends
acknowledgment of the agreement via e-mail at the address listed above, and one
of the undersigned confirms my consent by e-mailing notice of confirmation
back to the credit union.

Accepted this  _______ day of ___________, 20___ by:

__________________________________________________
Primary Accountholder Printed Name

Account Number______________________________

Temporary Password__________________________

___________________________________________
Primary Accountholder Signature

____________________________________________
Joint Accountholder Signature

____________________________________________
Joint Accountholder Signature