“You” and “Your” mean each applicant. “Us”, “Our”, or “We” means Howard Bank.
Under Federal law, you may receive certain written disclosures in electronic form. To receive such disclosures and the Howard Bank Personal Online Banking Agreement and Disclosure in electronic form, you must read the following information and provide us with your consent to receive such information by electronic form. After you have read the following material and wish to consent, please click on “I Accept” at the bottom of this page. If you do not wish to consent to receive the information by electronic form, please click “I Do Not Accept” at the bottom of the page and you will be returned to the our website’s homepage; however, you will not be able to register for or use Howard Bank’s Personal Online Banking.
- If you do not consent to receiving information by electronic form, download a printable PDF version of the form. If you consent to receiving information by electronic form and you wish to obtain a paper copy, you may click on the link in the first paragraph (“Acceptance of Agreement and Signature”) of the Howard Bank Personal Online Banking Agreement to download an Adobe Acrobat (printer friendly) version of the file, or call a Howard Bank Customer Service Representative at 410-750-0020.
- Your consent to receive the Howard Bank’s Personal Online Banking Agreement and electronic Federal disclosures included therein applies only to your enrollment for Howard Bank’s Personal Online Banking.
- Your first use of Howard Bank’s Personal Online Banking confirms acceptance of the terms and conditions included in the Howard Bank’s Personal Online Banking Agreement and Disclosure.
- In order to receive and view the disclosures and information sent by electronic form and to access Howard Bank’s Personal Online Banking functions on the website, the user must have an Internet browser that supports 128-bit encryption. Examples of these are Internet Explorer version 5.0 or above and Netscape Navigator version 4.72 and above.