e-Delivery Agreement

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Electronic Delivery (e-Disclosure) Agreement




Purpose of the e-Disclosure Agreement


The purpose of this e-Disclosure Agreement is to obtain your consent for Modern Woodmen Bank to deliver certain disclosures in electronic form rather than in paper form. This applies to all types of bank account(s) and services whether they are currently offered or will be offered in the future.


If you consent to receive electronic delivery of such disclosures, Modern Woodmen Bank will make electronic disclosures (''e-Disclosures'') available to you electronically through Modern Woodmen Bank Online Banking, the Bank's Internet banking website, instead of providing them to you in paper form. Whether or not you consent to this e-Disclosure Agreement, you will remain subject to the applicable terms and conditions of the Modern Woodmen Bank Online Banking Agreement.


Modern Woodmen Bank is referred to in this Agreement as ''we”, ''our'', “us'' or ''Bank,'' and individuals who maintain bank account(s) at the Bank are referred to in this e-Disclosure Agreement as ''you'', ''your'' or “Depositor.”


Consequences of Entering into This e-Disclosure Agreement


By entering into this e-Disclosure Agreement:


You are agreeing to receive electronically any disclosures -- including those that we are required to provide you under applicable federal and state laws -- where electronic delivery is permitted now or in the future. The materials and information you consent to receive electronically include, but are not limited to, the following:


  • disclosures regarding your account(s) that are required to be provided at the time of account(s) opening;
  • notices regarding changes to your account(s);
  • amendments to any agreements and/or disclosures governing your account(s);
  • periodic statements;
  • notices such as Non Sufficient Funds (NSF) / Overdraft notices, Interest notices, etc.

You are agreeing to discontinue the receipt of paper disclosures for any account(s) referenced in your Modern Woodmen Bank Online Banking account list, for all accounts and services now and in the future.

Technical Requirements for Using e-Disclosures

To access and retain your e-Disclosures, you will need the following:

  • Internet access and an Internet e-mail account and address;
  • The e-Disclosure system is compatible with all current, supported versions of Microsoft Internet Explorer, Mozilla Firefox and Google Chrome.
  • Cookies and JavaScript must be enabled in the browser options;
  • The e-Disclosure system is compatible with all current, supported versions of Adobe® Acrobat Reader™;
  • Access to a printer or the ability to download information in order to keep copies of your eDisclosures for your records.

Delivery of e-Disclosures


Modern Woodmen Bank will make e-Disclosures and revised e-Disclosures available to you on the Modern Woodmen Bank Online Banking website or by notification sent to you via email. For certain federally mandated disclosures or revised disclosures that are made available only through the Modern Woodmen Bank Online Banking website, Modern Woodmen Bank will send a notice to your e-mail or postal address when the disclosures are posted to the website. The notice will indicate that an e-Disclosure statement or document is now available for you to review.


How to Discontinue Electronic Delivery of e-Disclosures


At any time you may revoke your consent to electronic delivery of disclosures and instead elect to receive disclosures in paper form. To revoke your consent, send us a secure e-mail through the Modern Woodmen Bank Online Banking secure e-mail capability, or a written letter, stating that you wish to revoke your consent to receive e-Disclosures and stating that you wish to receive these materials in paper form. Include your name and the applicable account number(s) in your letter. You may alert us of your request by telephone (see “How to Contact Us'' below).


Your Responsibility to Notify Us Regarding Errors, Irregularities or Unauthorized Access


You must promptly review your e-Disclosure(s) and any accompanying items. Notify us immediately (see ''How to Contact Us'' below) of any suspected error, alteration or other irregularity (i) with your e-Disclosures; or (ii) with your account(s), including unauthorized access. Telephoning us immediately is the best way to keep your losses down, although you also may need to notify us in writing to preserve your rights. As a reminder, you have 60 days from the date of the e-Disclosure notice to inform us of any suspected error, alteration or other irregularity (i) with your e-Disclosure(s); or (ii) with your account(s), including unauthorized access. For more detailed information about your rights and responsibilities in this context, refer to the Electronic Funds Transfer (Regulation E) Disclosure.


Your Responsibility to Update Your Electronic Contact Information


You must promptly notify the Bank if there is a change in your e-mail address or in other information needed to contact you electronically (see “How to Contact Us” below).


How to Contact Us


If you need to contact the Bank in any of the circumstances described above, or for any other reason, you may contact us:


  • if you are a Modern Woodmen Bank Online Banking customer, by sending us an online secured Message through the Bank's web site; or
  • by telephone at 1-877-255-2265; or
  • in writing by U.S. Mail to: Modern Woodmen Bank, 1701 1 st Avenue, Rock Island, IL 61201.

Fees for e-Disclosures

The Bank does not currently charge fees for electronic delivery of your disclosures. We reserve the right to impose or change fees for electronic delivery and charge your bank account(s) for these fees at any time after providing such notice to you as may be required by law or regulation.


Amendment and Termination of the e-Disclosure Agreement by 
Modern Woodmen Bank


We may amend or change the e-Disclosure Agreement at any time and will provide to you any notice or request for authorization required by law or regulation. If no notice or request for authorization is required by law or regulation, your continued acceptance of e-Disclosures after the effective date of such change will constitute your acceptance of and agreement with such amendment(s).

We may terminate the e-Disclosure Agreement, and immediately either refuse to provide, or revoke access to, e-Disclosures at any time with or without cause, or prior notice. If we terminate your access to Modern Woodmen Bank Online Banking you will no longer receive e-Disclosures. Neither termination nor discontinuation of your access to Modern Woodmen Bank Online Banking shall affect your liability or obligation under the e-Disclosure Agreement.


Limitation of Liability


We will use our best efforts to deliver your e-Disclosures in a timely manner and in accordance with any applicable time required by law. However, we shall incur no liability if we are unable to deliver your e-Disclosures because of the existence of any one or more of the following circumstances:


  • Our online banking system is not functioning properly, and you know or have been advised by us of the malfunction, or
  • Your equipment or Internet access was not working properly, or
  • Internet service is interrupted (e.g., due to traffic or other disruptions), or
  • Circumstances beyond our control (including, but not limited to, fire, flood, interruption in telephone service or other communication lines, interference from an outside force, legal restriction or delays in mail service) prevent proper delivery, and we have taken reasonable precautions within our control to avoid such circumstances.


To the extent permitted by applicable law or regulation, we hereby disclaim all other warranties, express or implied, including warranties of merchantability and fitness for a particular purpose, and in no event shall we be liable for any special indirect, incidental or consequential damages whatsoever resulting from the loss or use of data, whether or not advised of the possibility of such loss or damage.


Agreement Regarding Your Use of e-Disclosures


You agree not to alter or use the e-Disclosures for any unauthorized, fraudulent or other illegal purpose.


Choice of Law and Forum


You agree that the e-Disclosure Agreement shall be interpreted in accordance with Illinois Law, excluding its choice of law provisions. You further agree that all disputes arising out of or relating to the e-Agreement or the provision of services by Modern Woodmen Bank shall be resolved in a court of competent jurisdiction in the State of Illinois, and you hereby consent to the exclusive jurisdiction and venue of such courts.


Modern Woodmen Bank is a marketing name for MWABank, a wholly owned subsidiary of Modern Woodmen of America.