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Federal law gives you the right to limit only: sharing for affiliates everyday business purposesinformation about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. For Vermont residents only: In accordance with Vermont law, we will not share information we collect with companies except as required or permitted by law, such as with your consent or to service your accounts.

We will not share creditworthiness information among our affiliates except with your authorization or consent.

If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.

We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the deposit account agreement for your account or in some other document.

We will begin charging interest on cash advances and balance transfers on the transaction date.

The “Index” shall be the Prime Rate published in the "Money Rates" section of "The Wall Street Journal” and is used to determine your ANNUAL PERCENTAGE RATE (APR).

Variable APRs are based on an Index of 4.50% as of December 14, 2017. Changes to the Index and ANNUAL PERCENTAGE RATE will become effective during the next billing cycle.

Billing cycles do not always coincide with month and/or quarter end.

Financial companies choose how they share your personal information.

Federal law gives consumers the right to limit some but not all sharing.

- This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us. If you sign the deposit account agreement or open or continue to have your account with us, you agree to these rules.

A schedule of qualifying balances and fees is included later in this document.

Visit us online at Modern Woodmen and select the printer friendly Marketing Opt Out form located with the Privacy Notice at the bottom of our home page.