TFCU’s Home Equity Line of Credit (Open-End) Application Disclaimer


Definitions. In this Agreement, the word “Disclosure” refers to any disclosures that we would normally provide to you in a written form that you retain. “Home Equity Line of Credit (HELOC)” refers to Tinker Federal Credit Union’s home equity line of credit loan application. The words “you” and “your” refer to the person who is applying for a Tinker Federal Credit Union HELOC. The words “we,” “us,” and “our” refer to Tinker Federal Credit Union (TFCU).

Consent to Receive Disclosures Electronically. You are applying for a HELOC with TFCU. This document informs you of your rights when receiving legally required disclosures from TFCU. By clicking the “I Accept” button below, you acknowledge receipt of this document and consent to the electronic delivery of such disclosures. You also agree to receive other disclosures online when we elect to make them available in electronic format. Click the links below to receive the When Your Home is on the Line booklet and TFCU’s HELOC Disclosures.

Requesting a Paper Copy of Disclosures. You may request a paper copy of any disclosure received electronically under this Agreement by writing to TFCU at P.O. Box 45750, Tinker AFB, OK 73145, e-mailing us at, contacting our Member Service Center at 405-732-0324 or 1-800-456-4828, or visiting a local TFCU branch. Paper copies will be provided to you at no charge.

Right to Withdraw Consent. You may terminate this Agreement at any time by writing to TFCU at P.O. Box 45750, Tinker AFB, OK 73145, e-mailing us at, or contacting our Member Service Center at 405-732-0324 or 1-800-456-4828. There are no fees for requesting to withdraw your consent for electronic disclosures.

Hardware and Software Requirements. The minimum requirements to view your disclosures electronically are any of the two most recent versions of the following Internet browsers: Internet Explorer, Firefox, Safari, Google Chrome or Edge; hardware capable of running this software; and a printer if you wish to print your disclosures, or the ability to store (save) your disclosures electronically to your computer. Some areas of the site may require the use of Adobe Flash or Adobe Acrobat Reader. If we change the hardware or software to communicate electronically with you and our change materially affects your ability to access or receive communications electronically, we will notify you of the changes and provide you with a statement of your right to withdraw consent

Change of Email Address. You should keep us informed of any change in your electronic mailing address. You may change your email address by writing to TFCU at P.O. Box 45750, Tinker AFB, OK 73145, contacting Member Services at 405-732-0324 or 1-800-456-4828, visiting a local TFCU branch, or through TFCU’s Home Branch.

Your Ability to Access Disclosures. By accepting below, you acknowledge that you can access the electronic disclosures in the designated formats described above.

If you are applying for a mortgage loan, housing counseling agencies are available to provide you with information and assistance. Please click here to access the Consumer Financial Protection Bureau’s site to find a housing counselor in your area, or contact the U.S. Department of Housing and Urban Development at 1-888-995-HOPE (4673).

I have read the e-Sign Consent Disclosure, When Your Home is On the Line booklet, and TFCU’s Home Equity Line of Credit Disclosures and agree to all terms and conditions.