Delanco Federal Savings Bank

Disclosure Relating to Electronic Delivery - Online Application Agreement.


Prior to using Delanco Federal Savings Bank’s Online Application, you must affirmatively consent to the terms of our Online Application Agreement ("Agreement"). The Online Application permits you to electronically initiate a loan application and communicate with Delanco Federal Savings Bank (the "Bank"). This Agreement contains the terms that govern your use of Online Applications. You can agree to the terms of this Agreement by clicking on the "I Agree” button at the end of this Agreement.

Prior to consenting to this Agreement you must be informed of:
(a) the option to receive a paper or non-electronic form of the record and the transactions or category of records that may be provided;
(b) your right as a consumer to withdraw this consent along with any of the conditions, consequences or fees in the event of such a withdrawal request and the procedures necessary to withdraw;
(c) the procedure for requesting a paper copy of an electronic record (and any fees associated with such request);
(d) your obligation to inform us and update us of how we can contact you electronically;
(e) hardware and software requirements for access to and retention of electronic records; and
(f) your responsibility to provide proof of your ability to access the information and electronically consent to all of these.

Records Available - All records normally provided in writing may be provided electronically if you have affirmatively consented to receive such records electronically and you have not withdrawn such consent.

Receiving a Paper Copy - You have the right to receive a paper copy of the Application Agreement and/or all future notices. You may request a paper copy of this Agreement and/or all future notices at no charge in one of the following ways: send an electronic mail message ("E-mail") with your name and e-mail address to contactdelanco@delancofsb.com, call us at 856-461-0611, or write to us at 615 Burlington Ave, Delanco NJ 08075 with your name and mailing address. Be sure to state that you are requesting a copy of the agreement/record/notice.

Withdrawing Your Consent to Receive Notices Electronically - You can contact us in any of the ways described in the preceding paragraph to withdraw your consent to receive any Agreements and/or future notices. If you withdraw your consent, we will send all future notices to you in paper form, at no additional charge. If you withdraw your consent, we may terminate our relationship/charge you a fee. A consumer’s withdrawal of consent shall be effective within a reasonable period of time after receipt by the institution. Failure, on the part of the institution, to provide adequate notice of changes in hardware and/or software specifications can be treated as a withdrawal of consent by the consumer without the imposition of fees.

Notifying Us of a Change in your E-mail Address - You must notify us of any change in your e-mail address by emailing us at contactdelanco@delancofsb.com or write to 615 Burlington Ave, Delanco NJ 08075 and give us your name and your new e-mail address.

Hardware and Software Requirements - In order to use Online Banking and to access, receive and retain notices electronically, you must provide at your own expense an internet accessible device ( examples: laptop, smartphone), as well as an internet connection. You will also need to provide an email address to receive notices electronically. Your computer must meet the following minimum requirements: an Internet web browser (the latest versions of Google Chrome, Mozilla Firefox, and Safari are all supported as well as Internet Explorer, version 9.0 or above). You confirm that your computer will meet these specifications and requirements and will permit you to access and retain any notice electronically each time you access and use Online Banking.

Change in Hardware and/or Software Specifications - We will give you notice of any change of the previously disclosed specifications and/or requirements if the proposed change will adversely affect your ability to access and retain subsequent electronic notices from us.


Nothing in this agreement affects the content or timing of disclosures to be provided by any other statute, regulation or other rule of law. If any law requires verification or acknowledgement of receipt of such notice or disclosure, the notice or disclosure may be provided or made available electronically only if the method used provides verification or acknowledgements of receipt, whichever is required. Oral communication or a recording of an oral communication shall not qualify as an electronic record for the purposes of consent to receive electronic notices.

BY CLICKING THE I AGREE BUTTON BELOW You consent to the electronic delivery of the Online Banking Agreement and other notices or disclosures relating to the Agreement. You confirm that you are able to access information in an electronic form and you also agree that the institution does not need to provide you with an additional paper (non-electronic) copy of the Agreement unless specifically requested. You agree to the terms and conditions of all applicable notices and disclosures.

I AGREE