I ("I," "me," "my," etc. as used herein includes all persons named on the account
and others properly authorized by such persons by broker or agent authorization or otherwise to use the account)
understand that this Agreement between me and Western Fraternal Life Association
states the terms and conditions of my use of the WFLA online service.
In offering WFLA online, Western Fraternal Life Association is making available to me services
through the facilities of the Internet which will allow me to access and view my Western Fraternal Life Association
account information and to gain the benefit of other services and transactional capabilities which Western Fraternal
Life may make available online from time to time.
I agree to use WFLA online only in accordance with this Agreement. Western Fraternal Life
Association may amend or terminate this Agreement upon notice posted to my account online.
I shall be the only authorized user of WFLA online under this Agreement. I shall be
responsible for the confidentiality and use of my Social Security Number, Password
and other security data, methods and devices. I understand and agree that any person
with knowledge of my Social Security Number and password will have the ability to access my account information in any Western Fraternal
Life Association account registered under my Social Security Number and the services and transactional capabilities made available by WFLA.
I agree that WFLA online is the proprietary property of Western Fraternal Life Association. I agree
not to use WFLA online except as authorized by this Agreement, and in any event, not to
make it available to any unauthorized third parties.
I further understand and agree to the following relating to my account(s) and any information furnished to me by
use of WFLA online.
(a) I shall immediately notify Western Fraternal Life Association if there is any loss, theft or unauthorized use of my Social Security Number,
password or other security data.
(b) I shall immediately notify Western Fraternal Life Association if there are errors or discrepancies in my account values,
statements, or transaction history.
(c) All notifications to Western Fraternal Life Association pertaining to this Agreement shall be directed to the WFLA Home Office at 877-WFLAINS.
If I fail to notify Western Fraternal Life Association when any of the above conditions occurs, neither Western Fraternal Life Association,
nor any of its employees, affiliates, or subsidiaries, will have any responsibility or liability to me arising from
such failure to notify in a timely manner. I accept full responsibility for the monitoring of my account.
I agree that Western Fraternal Life Association and its employees, affiliates, and subsidiaries shall not be responsible for
any damages caused by communications line failure, unauthorized access, theft, systems failure, and other occurrences
beyond its control. I agree to provide all telephone and other equipment to access WFLA online and
will be solely responsible for paying all charges related thereto.
I acknowledge that e-mail will be used solely as a convenient method of communication with Western Fraternal Life Association and
that Western Fraternal Life Association is not responsible for responding immediately to my e-mail messages. For this reason, I will
not rely on e-mail for urgent communications with Western Fraternal Life Association.
I agree to be liable for any and all charges or expenses incurred in connection with the use of WFLA
online by me or any other person through use of my Social Security Number and password, equipment, or otherwise.
I expressly acknowledge and agree that the use and storage of any information, including without limitation, account
information transaction activity, account balances, and any other information available through the use of WFLA
online is at my sole risk and responsibility. NEITHER WESTERN FRATERNAL LIFE ASSOCIATION, NOR ANY OF ITS
EMPLOYEES, AFFILIATES, OR SUBSIDIARIES, MAKES ANY REPRESENTATIONS OR WARRANTIES EXPRESS OR IMPLIED INCLUDING WITHOUT
LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE IN RESPECT OF WFLA
ONLINE. IN NO EVENT WILL WESTERN FRATERNAL LIFE ASSOCIATION, ANY OF ITS EMPLOYEES, AFFILIATES, OR SUBSIDIARIES, OR ANY
THIRD PARTY BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES RESULTING FROM ANY DEFECT IN OR USE OF
WFLA ONLINE EVEN IF WESTERN FRATERNAL LIFE ASSOCIATION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
This limitation of liability will apply to the fullest extent permitted by applicable law.
I agree that Western Fraternal Life Association may, in whole or in part, at any time, by notice posted online to my account,
discontinue WFLA online, modify or change the terms of WFLA online or terminate this Agreement.
I agree that Western Fraternal Life Association may immediately terminate its services if I breach
this Agreement or if I have jeopardized the proper and efficient operation of its services. Any unauthorized use by
me of WFLA online, whatsoever, shall result in automatic termination of this Agreement.
I agree that Western Fraternal Life Association shall not be under a duty to inquire as to the authority or propriety of any
instructions given to Western Fraternal Life Association by me, and shall be entitled to act upon any such instructions. I
understand that telephone calls to Western Fraternal Life Association may be recorded, and hereby consent to such recording.
WFLA online utilizes Internet services to transport data and/or communications and Western Fraternal Life Association will take reasonable security precautions
in connection therewith, but Western Fraternal Life Association disclaims any liability for interception of any such data or communications. Western Fraternal
Life Association shall not be responsible for, and makes no warranties regarding, the access, speed or availability of Internet or network services.
I recognize that my use of WFLA online may involve the transmission of information to me that
may be considered personal financial information. I consent to the transmission by electronic means of such information
through WFLA online; such consent shall be effective at all times that I use WFLA
This Agreement is governed by the laws of the State of Iowa without regard to conflict of law principles.
I hereby accept the terms of this Agreement.
Western Fraternal Life Association
1900 First Ave NE
Cedar Rapids, IA 52402
(319) 363-2653 • 1-877-wflains