Terms of Use

Somerset Trust Company (“Bank”) provides this website – www.somersettrust.com – and all subpages and content hereof (collectively, this “Website”) and the related services, subject to your compliance with the terms and conditions set forth below.

Please read these Terms of Use carefully. By accessing this Website, you represent that you are an adult of 18 years of age or older, have legal capacity to enter into a contract, and agree to comply with and agree to be bound by these terms and conditions. If you do not agree to comply with and be bound by these terms and conditions, do not access this Website.

You acknowledge that it is your sole responsibility to regularly review these terms and conditions to remain apprised of any changes, revisions, or updates. These terms and conditions may be modified at any time by the Bank by posting on this Website a modified version of these Terms of Use. Any such modifications shall be effective immediately upon posting, unless some other effective date is expressly stated. Your continued use of this Website following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.

USE OF INFORMATION AND MATERIALS

You are authorized to view the information available on this Website for informational purposes only, based upon your acceptance of these Terms of Use, without modification. The information, materials and other content on this Website may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, encoded, translated, reverse-engineered, hacked, used to create a derivative work, sold, otherwise used for public or commercial purposes, or distributed in any way to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without the express written consent of the Bank, which may be withheld in its sole discretion. Under no circumstances will you acquire any ownership rights or other interest in any content of this Website by or through your use of this Website. Unauthorized access to or use of this Website is not permitted and may constitute a crime punishable by law.

The information and materials contained on this Website and the terms, conditions, and descriptions that appear on this Website may change at any time, without notice to you. We do not warrant that this Website or its features will be accessible at all times or that it will function in an error free manner. The Bank reserves the right to cease operating this Website or any of its features at any time.

You agree to comply with all applicable laws regarding your use of this Website. Your eligibility for particular products and services is subject to final determination and approval by the Bank. The products and services described on this Website may only be offered in certain jurisdictions where they may be legally offered for sale or designated by the Bank in its sole discretion. No solicitation is made by the Bank of and this Website is not intended for distribution to, or use by, any person in any jurisdiction or country where such solicitation, distribution or use of such information, products, services, or materials would be restricted, prohibited, or otherwise contrary to law or regulation.

The Bank reserves the right to do any of the following, at any time, without notice: (1) to modify, suspend or terminate operation of or access to this Website for any reason; (2) to modify or change this Website and any applicable policies or terms; and (3) to interrupt the operation of this Website as necessary to perform routine or non-routine maintenance, error correction, or other changes.

SECURITY STATEMENT

The Bank is committed to safeguarding your confidential information, and takes that responsibility very seriously. Our commitment to the security and confidentiality of handling customer information extends to the Bank’s online services as well. The Bank uses a combination of industry standard security features and practices to protect your data.

DO NOT CALL POLICY

If you do not wish to receive sales calls from the Bank, you can ask to place your telephone number on the Bank’s “Do Not Call” list, which request will remain in place for at least five (5) years. Your request can be in writing or by telephone, and must include, at a minimum, your telephone number and name and must be made by contacting the Bank by mail at Somerset Trust Company, 151 West Main Street, Somerset, PA, 15501 or by calling toll-free (800) 972-1651

If you have multiple phone numbers, provide the Bank with all numbers that you want to have included. In compliance with federal and state laws, the Bank will document your request and promptly add the number(s) to its “Do Not Call” list.

You should inform the Bank of any changes in your name or phone number, if you wish to place the different telephone number on the Bank’s “Do Not Call” list.

Being on the Bank’s “Do Not Call” list means that you won’t receive any sales calls from anybody representing the Bank. We may still contact you, however, for non-solicitation purposes. This would include things like surveys, billing and other service-related matters.

Any e-mail communication to you confirming receipt of your “Do Not Call” request will not be deemed to have violated this policy. This policy does not cover independent third parties, who may, on their own initiative, conduct telemarketing and/or telephone solicitation.

COPYRIGHTS AND OTHER INTELLECTUAL PROPERTY

All text, graphics, photographs, trademarks, logos, sounds, music, artwork, design, structure, selection, coordination, expression, “look and feel” and arrangement of the same contained on this Website (collectively, the “Content”) is owned, controlled or licensed by or to the Bank and is protected by applicable U.S. and foreign copyright and trademark laws.

Certain other words and symbols used to identify the source of third-party goods and services are trademarks of their respective owners. Display of any such trademarks or service marks on this Website does not imply that a license of any kind has been granted.

LINKS TO OTHER WEBSITES

You understand and acknowledge that the Bank may provide links to third-party websites on this Website. Accessing hyperlinks to other websites is at your own risk; the content, accuracy, opinions expressed, and other links provided are not investigated, verified, or monitored by the Bank. You agree that the Bank is not responsible for any content related to such links or websites. These websites may not adhere to the same privacy standards or policies as the Bank. We advise you to review the privacy policies as posted on specific websites. Further, the inclusion of a link to another website does not constitute an endorsement by the Bank of the linked website, its owner(s), content, or any products or services advertised on the linked websites.

THE BANK DOES NOT WARRANT LINKED WEBSITES FOR ANY PURPOSE. IN NO EVENT SHALL THE BANK BE LIABLE, DIRECTLY OR INDIRECTLY, TO YOU OR TO ANY PARTY FOR ANY DAMAGE OR LOSS ARISING FROM, OR RELATING TO, ANY USE, CONTINUED USE OR RELIANCE ON ANY LINKED THIRD-PARTY WEBSITE OR ANY OTHER LINK FOUND ON SUCH LINKED WEBSITE.

WEBSITE ACCESSIBILITY STATEMENT

The Bank is committed to improving access to this Website and its functionality and to providing access to this Website and its applications to as many users as possible. The Bank understands that many users may be living with a disability, many of which can greatly inhibit access to information technologies, including the Internet. The Bank is committed to ensuring equal access to users with disabilities and encourages and welcomes all users and strives to help any user achieve maximum access, so that everyone can enjoy and benefit equally from the offerings of this Website

Users, including people with disabilities and those using this Website via assisted technologies, may experience better results when using certain browsers as opposed to others. The Bank recommends that users access this Website via Google Chrome.

This Website currently utilizes assistive technologies to work in combination with assistive computer technologies (e.g., plugins, etc.) that may be used by persons with disabilities. By these means, this Website is routinely screened against the WCAG 2.1 Level A/AA criteria. Certain pop-up blockers can impact the functionality of these assistive technologies. As such, users may experience a more reliable result using the assistive technologies, if their web browser’s pop-up blocker is disabled.

The Bank regularly monitors and assesses this Website by various means (including page-testing and external vendor assessments) to ensure that the standards that are already met are not negated due to IT interoperability and other issues.

To report website accessibility issues or to request accessible services and information or with any questions, please contact Customer Service by calling toll-free (800) 972-1651 or by emailing custserv@somersettrust.com.

HARDWARE AND SOFTWARE REQUIREMENTS

To realize the benefit of this Website, users must have a computer system with an up-to-date Internet browser (e.g., Chrome, Edge, Firefox, IE or Safari) capable of 128-bit encryption and Adobe Acrobat Reader®, or a comparable program that can open a PDF. 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: https://get.adobe.com/reader/.

Further, users must have a printer capable of printing any disclosure or statement that is made available on this Website and/or emailed to you, and/or have the ability to electronically save and visually display on computer screens such documents.

Additionally, if you would like to request that a printed copy of these Terms of Use be provided to you, please visit one of the Bank’s branch locations and request a printed copy.

SUBMISSIONS

All information submitted to the Bank via this Website, including emails, shall be deemed and remain the property of the Bank and the Bank shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information you provide to the Bank through this Website. The Bank shall not be subject to any obligations of confidentiality regarding submitted information except as specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing the Bank’s responsibilities and obligations to customers in accordance with its privacy policy.

Email transmissions are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate person at the Bank. Please do not use email to send communications to the Bank containing confidential information, which the Bank requires to be in writing, or that need the Bank’s immediate attention. Instead, please contact Customer Service by calling toll-free (800) 972-1651, by emailing custserv@somersettrust.com or by writing the Bank at Somerset Trust Company, PO Box 777, 151 West Main Street, Somerset, PA 15501, ATTN: Call Center.

LIMITATION OF WARRANTIES

This Website could include technical and other inaccuracies and typographical and other errors. The information and materials contained on this Website, including, without limitation, text, graphics, links or other items, are provided on an “as is” and “as available” basis. Descriptions of, or references to, any products, services or publications within the Website does not imply endorsement of that product, service or publication. The Bank does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials.

No warranty of any kind, implied, express or statutory, including, but not limited to, the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose, error-free or uninterrupted service and freedom from computer virus, is given in conjunction with the information and materials.

LIMITATION OF LIABILITY

IN NO EVENT WILL THE BANK OR ANY OF ITS AFFILIATES, OR ITS OR THEIR OFFICERS, EMPLOYEES, AGENTS, AND REPRESENTATIVES BE LIABLE TO OR RESPONSIBLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING OUT OF OR IN CONJUNCTION WITH THIS WEBSITE, ITS CONTENT, INCLUDING ANY ERRORS IN THE CONTENT OR ERRORS OF OMISSION, YOUR USE THEREOF, OR THE INABILITY TO USE BY ANY PARTY, OR IN CONJUNCTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE, EVEN IF SUCH PARTY IS OR PARTIES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THIS WEBSITE AND ANY LINKED WEBSITES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS WEBSITE AND/OR THE CONTENT IS TO CEASE ALL USE OF THIS WEBSITE. THIS LIMITATION OF RELIEF IS AN ESSENTIAL PART OF THE BARGAIN BETWEEN THE PARTIES.

You may have additional rights under certain laws (including consumer laws) which do not allow the exclusion of implied warranties, or the exclusion or limitation of certain damages. If these laws apply to you, the exclusions or limitations in these Terms of Use that directly conflict with such laws may not apply to you.

INDEMNIFICATION

You agree to indemnify and hold the Bank and its affiliates, and its and their officers, employees, agents, and representatives, harmless from and against any and all damages, liabilities, actions, causes of action, suits, claims, demands, losses, costs and expenses (including reasonable attorneys’ fees, disbursements, and court costs) arising from or in connection with your violation of these Terms of Use or your violation of any rights of any third party.

GOVERNING LAW

These Terms of Use shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to the conflict of laws thereof, and the laws of the United States. You agree that any action arising out of the Terms of Use shall be brought in the state or federal courts located in or serving the County of Somerset, Pennsylvania and you consent to the jurisdiction of such courts.

These Terms of Use are effective as of May, 2026.