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The terms “we”, “us” and “our” are used to refer to Pearl Hawaii Federal Credit Union (PHFCU), which is providing the service or account you are applying for and its current and future affiliates. “You” and “your” refer to the person giving this consent.

In order to complete this transaction electronically, we need your consent to use electronic records and signatures. We will provide you with all the necessary equipment, as well as any assistance you may require to complete this transaction in our branch or office. If you do not consent to the use of electronic records and signatures, you will be unable to proceed electronically, and may be unable to complete the transaction.

Additionally, we are required by law to provide you with certain information in this transaction “in writing” which means you have a right to receive that information on paper. However, with your consent, we may also provide this information to you electronically.