Focus Credit Union Personal Credit Union (PCU)

Application for Services

FREE! I wish to use e-statements and understand that I must accept the disclosure and sign up for e-statements while logged onto PCU. I understand that I will not receive a monthly statement by mail.

FREE! I wish to use Bill Payer. (If this box is not checked, Bill Payer will not be setup). I understand that my access to PCU will deactivate if service (Logging into account) is inactive for six (6) months. I agree to the terms and conditions for PCU Service, as provided in this application and full disclosure. *This service is only available for checking accounts.

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E-mail Address:   Verify E-mail Address:
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FOCUS CREDIT UNION PERSONAL COMPUTER ACCESS SYSTEM APPLICATION AND AGREEMENT AND ELECTRONIC RECORDS CONSENT AGREEMENT

Agreement: By selecting the “I Agree” box below, you (a) hereby request Personal Computer Access System (“PCU”) services, (b) acknowledge receipt of and agree to the terms and conditions of the Electronic Services Agreement and Disclosure and (c) agree to be bound by the terms and conditions of this Agreement. FOCUS Credit Union (“Credit Union” or “we” or “us”) may modify this Agreement from time to time in its sole discretion, and such modifications shall be effective immediately upon delivery to you in either electronic or paper format.

You specifically consent and agree that we may, in our sole discretion, provide all disclosures, agreements, contracts, periodic statements, receipts, modifications, amendments, and all other evidence of our transactions with you or on your behalf electronically (hereinafter all such documentation is referred to as “electronic record(s)”). You understand that electronic records may include information about you and your account, including, but not limited to, your name, address, account numbers, check numbers and balance information. We may provide you any or all electronic records at any e-mail address provided to us by you (including the e-mail address provided to us below) or we may post any or all electronic records at our PCU site on our website, pcu.focuscu.org. If we post electronic records on our website, we may send a notice to you at any e-mail address you provide to us or within PCU alerting you of the posting of such records. If we send a notice to you within PCU, you will not receive a separate e-mail outside PCU alerting you of the posting of such records; you must log in to PCU from time to time to receive such notices. You agree that you will log in to PCU at least once every 30 days to ensure you receive such notices. If we post electronic records on PCU, the electronic records will remain available for at least ninety (90) days. We reserve the right to send any or all records to you in paper form to your current postal mailing address in our file.

You agree to provide us and to maintain a valid, active e-mail address for delivery of electronic records. Credit Union is not liable for any third-party incurred fees, other legal liability, or any other issues or liabilities arising from statements or notifications sent to an invalid or inactive e-mail address that you have provided.

You warrant that you either have a printer capable of printing any electronic records, or you have the ability to save and display any such electronic records. We recommend that you print a copy of any electronically provided statements or disclosures (including this one) for your records.

You have a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. You may withdraw your consent and revoke your agreement to receive records electronically. To request a paper copy or to withdraw your consent and agreement to receive electronic records, write us at: U.S. Hwy. 90 East 303 E. Washington Street Chattahoochee, FL 32324-0835. A fee to cancel this service or to request paper copies of these electronic records may be imposed as set forth in your Fee Schedule.

EXCLUSION OF WARRANTIES.  CREDIT UNION IS PROVIDING EACH ELECTRONIC RECORD “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND TITLE. CREDIT UNION DOES NOT WARRANT THAT ELECTRONIC RECORDS ARE ERROR-FREE, OR THAT ACCESS TO AND USE OF ELECTRONIC RECORDS WILL BE UNINTERRUPTED OR ERROR-FREE.

LIMITATION OF LIABILITY. EXCEPT AS REQUIRED BY APPLICABLE LAW, IN NO EVENT SHALL CREDIT UNION BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES) ARISING OUT OF THE DELIVERY, PERFORMANCE, OR USE OF ELECTRONIC RECORDS, WHETHER INCURRED BY YOU OR ANY THIRD PARTY, EVEN IF CREDIT UNION HAS BEEN ADVISED OR MAY OTHERWISE KNOW OF THE POSSIBILITY OF SUCH DAMAGES. IF ANY LIABILITY IS IMPOSED ON CREDIT UNION, CREDIT UNION’S TOTAL LIABILITY TO YOU OR ANY THIRD PARTY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR ELECTRONIC RECORDS. THE FOREGOING SHALL CONSTITUTE CREDIT UNION’S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY HEREUNDER.

You may not assign this Agreement to any other party. Credit Union may assign this Agreement in its sole discretion without your consent. Credit Union may also, in its sole discretion and without your consent, assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

This Agreement is governed and shall be construed in accordance with the laws of the State of Florida, excluding its choice of law rules. In the event legal action is necessary to enforce this Agreement, the prevailing party has the right to payment by the other party of reasonable attorney’s fees and costs, including any appeal and post-judgment actions, as applicable. Except as prohibited by applicable law, you and Credit Union agree that such legal action shall be filed and heard in Gadsden County, Florida. Any disputes regarding this Agreement shall be within the jurisdiction of the courts of Gadsden County, Florida. Failure or delay in enforcing any right or provision of this agreement shall not be deemed a waiver of such provision or right with respect to any subsequent breach or a continuance of an existing breach. If any provision of this Agreement shall be held to be unenforceable, that provision will be enforced to the maximum extent possible, and the remaining provisions of this Agreement will remain in full force and effect.

Equipment and Software Requirements: To receive electronic records, you need a computer with a PC with Windows XP or higher or Mac OSX or higher, along with internet access using Microsoft Internet Explorer 8 or higher, Safari 4.0, or Mozilla Firefox 3+. By requesting any electronic funds transfers, internet banking, other electronic records, services or transactions, by submitting any application or agreement to us electronically or by e-mailing us, you represent that you have such equipment and software and that you can download, access, read, review, print and store the electronic records we provide to you.

“E-mail” Communication: You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication. We may respond to an e-mail communication provided by you to either the address provided with the communication or any other e-mail address you have provided to us.

Any e-mail returned to us as undelivered may be re-sent to you at any other e-mail address that we have in your file, unless you have previously informed us through electronic or written notice that an e-mail address is no longer valid.

Although we have no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction.

Electronic Signature: By selecting the “I Agree” button below, you consent and agree that your Account Number entered above and the PCU Access Code/PIN which you will use to access PCU constitute your signature, acceptance and agreement to the persons and conditions provided on this page and the Electronic Services Agreement and Disclosure, as if actually signed by you in writing. Further, you agree that no certification authority or other third party verification is necessary to the validity of your electronic signature. You agree that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract between you and the Credit Union.