This Agreement outlines the terms and conditions governing the Electronic Delivery of Documents using Digital Banking. This agreement supplements the Digital Banking Agreement and Disclosure. As a customer ("you" or "your") of the Bank, you agree to abide by the terms and conditions of this agreement.

Providing Consent to Electronic Delivery of Documents and Notices

When you enroll in the Electronic Delivery Service, you are consenting to participate in the Electronic Delivery of Documents. Your consent to participate in Electronic Delivery of Documents, via an affirmative response to this e-mail disclosure, indicates that you are agreeing to the following:

• This agreement applies to all eligible accounts including Checking, NOW, Money Market, Savings or Loan Accounts that you have access to using Digital Banking.
• This agreement applies to periodic account statements, as well as any account disclosures or notices that we are required, by law, to provide as are made available to you, with your consent from time to time.  This can include online tax forms which are electronic versions of the tax forms you receive in the mail. These can include Forms 1098, 1099 and 5498.
• You must provide a valid e-mail address to which we can send notifications of electronic  availability as well as any additional account disclosures that we are required, by law, to provide. If you do not provide a valid e-mail address, you will not be able to consent to delivery of any electronic documents.
• The Bank will provide a rolling 24 months of eStatements immediately upon your consent to receive delivery of eStatements for any account to Digital Banking. This will include access to check images. You may have access to less than 24 months of eStatements if your account has not been opened with the Bank for a full 24 statement cycles, or if the type of account does not typically produce a monthly statement. Statements and check images prior to November 2020 are unavailable via Digital Banking, but can be obtained by contacting your local Wintrust Community Bank.
• Online tax forms will be available via digital banking for a period of 2 years, 1 prior year and the current year.

In addition to eStatement, you will have the option to enroll in online tax forms and online documents such as: rate change notices, overdraft notices, and certificate of maturity notices.  All changes to the delivery method on your accounts must be requested within digital banking.

When you choose to receive documents electronically, it is your responsibility to periodically logon to digital banking and check the availability of new documents.  Some documents may be time sensitive.

Withdrawing Consent to Electronic Delivery of Documents

You may withdraw your consent to participate in the Electronic Delivery of Documents for any account or any listed form at any time by changing the delivery method from “electronic” to “paper” on the "Manage Document Delivery" page which is available from the My Documents menu in Digital Banking.

The Bank reserves the right to treat an invalid e-mail address as a withdrawal of your consent to participate in the Electronic Delivery of Documents. For example, if a delivery notification is returned to us because the e-mail address is not available or invalid, the Bank can treat this as a withdrawal of your consent to participate in these services.  Any consent to withdraw from Electronic Delivery of Documents, will be effective after a reasonable period of time after we have determined consent to have been made.

Updating Account Records

It is your responsibility to provide us with an accurate, current and complete e-mail address, contact and other information related to the Electronic Delivery of Documents and your accounts. Your e-mail address can be updated by logging into Digital Banking and selecting "Edit Contact" from the Settings menu. You may also send us a change of address for your account by sending us a Secure Mail message or by telephoning the bank.

You can access Secure Mail by selecting "Messages" from within Digital Banking.

Requesting Paper Copies

By enrolling in the Electronic Delivery of any documents, paper copies of electronic statements, forms and notices will NOT be sent to you.  You may obtain a paper copy of electronic statements, forms or notices by printing them out yourself or requesting we mail you a paper copy, as long as such a request is made within a reasonable time after we first provide the electronic forms to you.  To request a copy, contact us by telephone or via secure email within digital banking. We may charge a fee for providing paper copies of communications that you have authorized us to send you electronically.  We reserve the right, but assume no obligation, to provide paper (in lieu of electronic) copies of any statement or notice you have authorized us to provide electronically.

Hardware and Software Requirements

You are responsible for the purchase, installation, maintenance, upgrades and security of the software, hardware and internet access needed to use Digital Banking and the Electronic Delivery of Documents.

You agree to use a reputable anti-virus and anti-spyware software program and update such anti-virus and anti-spyware software periodically in accordance with a commercially reasonable schedule. The Bank is not responsible for any errors or issues that arise from the malfunction or failure of either the hardware or the software.

In order for you to access Digital Banking or view other documents electronically, you must have:  a device with access to the internet that meets the operating system and browser requirements and an e-mail address.

In order for you to print or download this Electronic Delivery of Documents Agreement and Disclosure, other forms or notices or any document delivered electronically, you must have a printer connected to your computer or sufficient hard-drive space to save the document.

In order to view statements or other requested forms or notices from Digital Banking, you must have software installed that is capable of opening a PDF document

For a list of supported Operating Systems and Browsers, refer to the System and Software Requirements section of the Digital Banking Agreement and Disclosure.

Effective July 2022