Electronic Communications Disclosure and Consent Form

Please read this information carefully and print and retain a copy for your reference.
This document is provided in accordance with the Electronic Signatures in Global and National Commerce Act.

You have requested SOMERSET TRUST COMPANY’s online services. You may enroll in STC Online Banking, BillPay, Mobile Banking, eStatements, request services and open consumer deposit accounts, apply for a loan request, STC CreditCard Access, Trust Access Online or future online services offered by Somerset Trust Company (collectively, “Online Services”).

By utilizing any of SOMERSET TRUST COMPANY’s Online Services, you agree that SOMERSET TRUST COMPANY may, but is not obligated to, send any and all of its communications to you electronically (collectively referred to as “Electronic Communications”). Electronic Communications may include information related to any of SOMERSET TRUST COMPANY’s Online Services or other deposit and loan products, services or features or our decisions related to your application, terms and conditions and agreements that govern any deposit account, loan or service we make to you and all related disclosures. Electronic Communications may also include important information that you would otherwise receive from us through the mail (such as, but not restricted to, notices regarding privacy, changes in terms, and periodic statements, as are required under applicable law).
 
 
Your consent to receive electronic communications does not automatically enroll you in e-Statements. You must also complete a separate enrollment for eStatements to stop receiving by U.S. Mail paper account periodic statements.
 
 
This Electronic Communications Disclosure and Consent form informs you of your rights when receiving these Electronic Communications. If you do not wish to receive communications electronically from us, you may make your request or application by telephone, or in person at any SOMERSET TRUST COMPANY office.
 
 
Consent and Acknowledgement. You (including any joint account-holders and co-applicants) acknowledge receipt of this Electronic Communications Disclosure and Consent form, evidence your intent to be bound by the all terms contained herein regarding the Electronic Communications above, and consent to the delivery of Electronic Communications via the internet to an e-mail address you designate to receive such Electronic Communications. You also confirm that you meet the Hardware and Software Requirements listed below and are able to access and retain Electronic Communications from us.

Your Consent to Electronic Communications applies to all Electronic Communications that we provide to you in connection with your Online Services activity or requests, loan applications and products and services which you have in the past, now or in the future, may have with SOMERSET TRUST COMPANY. If you consent to Electronic Communications, we will provide the Electronic Communication on our website or we will send you an e-mail that informs you when relevant information is available for your viewing on our website. That communication will include instructions on how to access the information from our website. If you have consented to receive electronic communications, you may occasionally request a paper copy of the communication from us per our fee schedule.
 
 
Withdrawing Consent. You can elect to withdraw your consent to Electronic Communications at any time by contacting our Call Center toll free at 800-972-1651 during our business hours. The legal validity and enforceability of prior Electronic Communications will not be affected if you withdraw your consent.

Hardware and Software Requirements. To receive Electronic Communications, you must ensure that you are able to receive information electronically and retain it. You must have a computer system with an Internet Web browser capable of 128-bit encryption and Adobe Acrobat Reader® in order to receive disclosures electronically. Adobe Acrobat Reader® is freely available for your use to read Portable Document Format (PDF) documents on the Internet. You can download a copy at the following URL:
http://www.adobe.com/products/acrobat/readstep2.html
Further, you must have a printer capable of printing any disclosure or statement that are made available on our website and/or emailed to you, and/or have the ability to electronically save and visually display on computer screens such documents.
 
 
Updating Contact Information. You are responsible for ensuring that we have your current e-mail address for purposes of receiving Electronic Communications. If your e-mail address changes, contact us via STC OnLine Banking or by contacting our Call Center toll free at 800-972-1651 to provide us with updated information through which future Electronic Communications will be received by you. If you fail to notify us of any change in your e-mail address, you agree that we may provide Electronic Communications to you at the e-mail address maintained in our records and provided by you. Any Electronic Communications we send to you will be deemed to have been provided on the date we deliver the e-mail to you.