CONSENT TO DO BUSINESS ELECTRONICALLY

Online Portal Users and In-Branch Electronic Borrowers, from time to time, receive disclosures, notices, documents and information (“Electronic Communications”) from SET Financial or our respective agents. We can only give you the benefits of all our online services and electronic communications by conducting business through the Internet, and therefore we need you to consent to our giving you Communications electronically. If you prefer not to consent: please leave our Website immediately — do not apply for a loan online at www.setfinancial.com or create/maintain an active online portal account. Instead, consider conducting your Set Financial transactions in a local branch with printed paper and wet signatures.

e-Consent Agreement

An electronic signature is required by all In-Branch Electronic Borrowers. Online Portal Users are required to consent to this Agreement as well as our Website’s Terms of Use.

  1. Electronically Signed Agreements.
    You agree your electronic signature is the legal equivalent of your physical ink signature. You consent to be legally bound by this Agreement’s terms and conditions. You also agree that no certification authority or other third party verification is necessary to validate your Electronic Signature and that the lack of such certification or third party verification will not in any way affect the enforceability of your Electronic Signature or any resulting contract between you and SET Financial. Furthermore, you represent that any party to a document electronically signed agrees to the use of electronic signatures.
  2. Consent to Electronic Delivery.
    You agree to receive and/or obtain any and all SET Financial related communications electronically. The term “Electronic Communications” includes, but is not limited to, any and all current and future notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you, as well as such other documents, statements, data, records and any communications regarding your SET Financial accounts(s). You accept Electronic Communications provided by SET Financial as reasonable and proper notice, for the purpose of any all laws, rules and regulations, and agree that electronic form fully satisfies any requirement that such communications be provided to you in writing or in a form you may keep.
  3. Hardware and Software Requirements.
    To access and retain the Communications electronically, you will need a device capable of connecting to the internet with a browser compatible with our site. For your browser, we recommend either Chrome or Safari. If you have issues, we recommend testing a different browser or device. You will also need Adobe Acrobat or similar software. If you are on a mobile device, such as a tablet or smartphone, you must be able to print and save the transmitted communications. You can find apps that support printing and saving for most mobile devices. If you are transacting business in person at a local branch, SET Financial may provide you with a compatible device to comply with this agreement and complete any electronic transaction.
    You acknowledge that you can access the electronic Communications in the designated formats described herein.
  4. Getting Paper Copies.
    You may request a paper copy of any record made available electronically to you. You may request a paper copy in person, by email or by calling us at the number below:
    Email – cs@setfinancial.com
    Phone – 800-803-2510
  5. Revocation of Electronic Delivery.
    You have the right to withdraw your consent to receive communications electronically at any time by contacting us by email, in writing or in person. If you withdraw your consent, from that time forward you will not be able to transact business on www.setfinancial.com or in person in at a local branch on an electronic device provided by SET Financial. The withdrawal of your consent will not affect the legal validity and enforceability of any active loan or agreement, or any electronic Communications provided or business transacted between us prior to the time you withdraw your consent. With respect to pending applications or active loans on which you are a borrower, we will send you any further Communications by mail or other non-electronic means.
  6. Controlling Agreement.
    This agreement supplements and modifies other agreements that you may have with SET Financial. All other obligations of the parties remain subject to the terms and conditions of any other agreement.It is recommended that you print a copy of this Agreement for future reference.

    Updated 4/23/2014