Starion Bank

E-SIGN DISCLOSURE AND ELECTRONIC COMMUNICATIONS AGREEMENT

As part of your relationship with us, we want to ensure you have all of the information you need to effectively manage your accounts, products and services. Certain laws and regulations require us to provide specific information to you “in writing,” which means you are entitled to receive it on paper. With your permission, we may instead provide some of this information to you electronically, as well as collect your electronic (rather than manual) signature(s), and store your records electronically. 
This E-Sign Disclosure and Electronic Communications Agreement (the “E-Sign Agreement”) provides additional detail about the communications, disclosures, agreements, notices and other documents that Starion Bank (“Starion,” “Bank,” “we,” or “us”) would propose to send to, store for and sign with you electronically, and sets out hardware and software requirements you need to receive these electronic communications. This E-Sign Agreement covers all of your accounts, products and services with Starion, and any accounts, products or services with Starion that you apply for, use, administer or access, now or in the future, electronically accessible, either currently or in the future, through Starion’s online banking and mobile banking Services (as such term is defined in the Starion Online and Mobile Banking Terms and Disclosures),  the Internet, email, a website, messaging services, and/or software applications for mobile devices (together, “Digital Channels”). 
The words “you” and “your” mean you, the individual(s) or entity identified on any Starion account, product or service you have with us now or in the future, including but not limited to, any account, product or service you open electronically through Digital Channels. This E-Sign Agreement will be effective until expressly withdrawn by you. Any capitalized terms not defined in this E-Sign Agreement shall have the meaning assigned to them in the Starion Digital Banking Services Agreement.

Generally

You understand you must read this E-Sign Agreement carefully and keep a copy for your records. In order to apply for, register for, use, administer or access your account, product or service that Starion offers you (each as Starion may allow) electronically through the Digital Channels, you agree and consent to the electronic delivery of communications we provide to you. You also agree to the use of electronic records and electronic signatures throughout your relationship with Starion.

Examples of electronic communications we MAY send under this E-Sign Agreement (“Electronic Communications”) include, but are not limited to:

 

  1. This E-Sign Agreement and any amendments;
  2. Disclosures, agreements, acknowledgments, notices and other information or documents related to the opening or initiation of an account, product or service you have applied for or have with Starion, including, but not limited to, account agreements, fee schedules or other disclosures or notices that may be required by federal or state laws or regulations;
  3. Service or user agreements for Starion’s Digital Banking Services or access to our websites or other electronic services and any amendments to these agreements;
  4. Communications related to any Starion account, product or service;
  5. Periodic account and activity statements concerning your Starion account, loan statements or invoices, disclosures and notices we provide to you concerning your Starion account, product or service;
  6. Notices of amendments to any of your agreements with us; and
  7. Other disclosures and notices we are legally required to provide to you, or choose to provide to you in our discretion.

With your consent, Starion can deliver Electronic Communications to you by displaying the documents electronically and can request you sign (manually or electronically), print and/or download the documents and retain them for your records. If you need to update your email address or other contact information, you can do so by calling us at (888)-258-6050, writing to us at, 109 1st Street NW PO Box 848 Mandan, ND  58554-0848, or by emailing us at [email protected].

We recommend that you print or download a copy of this E-Sign Agreement and all Electronic Communications to retain for your permanent records.  

Additional Copies


You have the right to request that Starion provide you in non-electronic (paper) form any of your Electronic Communications, although you are aware that charges and fees for such non-electronic copies may be charged in accordance with Starion’s most current fee schedule. You may request paper copies of your Electronic Communications within 90 days of the original date of the Electronic Communication by contacting Starion at (888)-258-6050. 

Hardware and Software Requirements


You will need a device with Internet access. The browser used should be the most current version of one of the following browsers that receive technical support and security updates: Microsoft Edge, Mozilla Firefox, Apple Safari or Google Chrome. Certain older web browsers may not be supported by Starion. If you are using an outdated version, you may need to update it in order to access your account or any related service online. 

Certain Electronic Communications may be available in PDF format only. You will need a program that accurately reads and displays PDF files (such as Adobe® Reader®). If you do not have Adobe® Reader® you can download it at no charge from the following link https://get.adobe.com/reader/ (Note that by clicking the link, you will be taken to a third-party site not managed by Starion. As a result, different security or privacy practices may apply. We do not endorse, recommend or guarantee any products or services contained at the linked page.) You agree that you have provided Starion with a valid e-mail address and can access, download, and print PDF files. You agree to notify us promptly of any change in your email address. We recommend you keep your security settings up to date and that you enable JavaScript.

To print Electronic Communications you must have a printer connected to your computer. To download Electronic Communications, if available, you must have sufficient hard-drive space to store the relevant materials.

If there is a change in the hardware or software requirements needed to access or retain electronic records, and such change creates a material risk that you will not be able to access or retain subsequent electronic records subject to your consent granted by this E-Sign Agreement, we will provide you with a statement of the revised hardware and software requirements for access to and retention of electronic records, as permitted by the E-Sign Agreement. You will have the right to withdraw consent as permitted under this E-Sign Agreement.

How to Withdraw Your Consent


To withdraw your consent to receive electronic periodic account and activity statements concerning your Starion account (and instead receive paper statements), call Starion at (888)-258-6050.

To withdraw your consent to this E-Sign Agreement altogether, call Starion at (888)-258-6050. 

Your withdrawal of consent is effective only after you have communicated your withdrawal to Starion as described above and Starion has had a reasonable period of time to act upon your withdrawal. Revoking your consent will not affect the legal effectiveness, validity or enforceability of Electronic Communications, electronic records or electronic signatures that were made available to you, created by you, stored or signed prior to your revocation of consent.

Federal Law; Termination and Changes


You acknowledge and agree that your consent is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (“E-Sign Act”), and that you and we both intend that the E-Sign Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means. We reserve the right, in our sole discretion, to discontinue your participation in Electronic Communications at any time, or to terminate or change the terms and conditions on which we provide Electronic Communications. We will provide you with notice of any such termination or change as required by law.
Agreement and Acknowledgement

By agreeing and consenting to this E-Sign Agreement, you represent and warrant: (i) you have read, understood, and agree to the terms of this E-Sign Agreement; (ii) you consent to receive Electronic Communications, have your records electronically stored and use electronic signatures with us (each as Starion may allow), as stated in this E-Sign Agreement; and (iii) the Internet devices you will use to access the Electronic Communications meet the system requirements to access information and to retain information as stated in this E-Sign Agreement.

If you DO NOT want to consent to receiving Electronic Communications, PLEASE EXIT THIS ENROLLMENT SCREEN NOW. You understand that if you DO NOT want to consent to receiving Electronic Communications, you should not proceed. 
NOTE: Starion makes this agreement available for review by request. The foregoing provisions in the section titled “Agreement and Acknowledgement” are applicable only in the event you are accepting this E-Sign Agreement to enroll in and receive Electronic Communications. If you are reviewing a copy of this E-Sign Agreement during any other time or if a copy is provided to you in another form, you understand and acknowledge that there may be no consent process associated with the review of the copy provided to you.