When you enroll in the eStatement program, you agree to receive your monthly or quarterly member account statements electronically. We will generate periodic account statements that reflect all activity for the preceding statement period. When statements are available for review, we will notify you by email. We will use the email address on your account records. If we are unable to deliver proper notification to the e-mail address you provided, we will make reasonable attempts to obtain this information. Your mailing address and email address should be kept current at all times.

Member account statements include activity and balance information on savings, checking, loans and other transaction accounts. Your account statements are made available to you when you visit www.firstcommunity.com and select "View Your eStatement". You will need to log on with your account number and PIN. You will be provided a readable, printable and downloadable statement from this site.

To retain your statements, you can download them to your computer or print them. In addition to your regular statement, you agree to be sent notices or disclosures as required by law or regulation regarding your membership and accounts.

While you are enrolled for eStatements, you will not receive a paper statement. You have the right to request a paper copy of your statement by emailing estatement@firstcommunity.com. You have the right to withdrawal your consent to receive your statements in electronic form by emailing us at estatement@firstcommunity.com or writing us at:

First Community Credit Union

Attention: eCommerce Department

P.O. Box 1030

Chesterfield, MO 63006

DUTY TO EXAMINE STATEMENT:

You are responsible for the review of your statement and you must contact us in writing within fourteen (14) days after the receipt of your monthly statement should you wish to dispute any charges reflected on such statement. Failure to notify us within such time shall conclusively establish that the statement is correct and that the full amount owed under such statement is a valid obligation under the terms of this Agreement.

Write us at: First Community Credit Union, 17151 Chesterfield Airport Road, Chesterfield, MO 63005

1. Inform us of your name and Account number
2. Describe the error or the Transaction you are unsure about, and explain as clearly as you can why you believe it is in error or why you need more information.
3. Inform us of the dollar amount of the suspected error.
4. The signatures of the cardholder must be on the written notification to us.

ERROR RESOLUTION PROCEDURE:

If you notify us of an error or discrepancy in your periodic account statement within the time limitation described above, we will investigate the matter and notify you of the results of our investigation as soon as we have been able to obtain and verify all relevant information. We will have no obligation to credit your account for the amount of any erroneous or unauthorized transaction unless caused by our negligence. If we determine that no error or unauthorized use has occurred, you may request us to mail copies to you of the document or information on which we relied in making our determination.