SETTLEMENT AGREEMENT BETWEEN THE UNITED STATES OF AMERICA AND 360 FEDERAL CREDIT UNION UNDER THE AMERICANS WITH DISABILITIES ACT

EFFECTIVE COMMUNICATION DURING FACE-TO-FACE SERVICES

27. Beginning immediately as of the effective date of this Agreement, and pursuant to the Effective Communication Policy, THE CREDIT UNION shall provide individuals who are deaf, are hard of hearing, or have speech disabilities with appropriate auxiliary aids and services, including qualified sign language interpreters and oral interpreters, where necessary to ensure effective communication during face-to-face encounters.

28. The determination of which auxiliary aid or service is appropriate for face-to-face encounters shall be made by THE CREDIT UNION. As set out in the Effective Communication Policy in Exhibit A, THE CREDIT UNION will consult with the requesting individual with a disability to determine what type of auxiliary aid is needed to ensure effective communication. The determination shall take into account the nature, circumstances, length, complexity, and importance of the communication, as well as the communication skills of the person with a disability for whom auxiliary aids and services have been requested. The provided auxiliary aid or service must result in effective communication for the individual with a disability.