Severn Savings Bank | e-Disclosure Consent |

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This page is intended to authorize Severn Savings Bank the ability to deliver mortgage applicants their disclosures electronically, if they have not already done so (required via our online mortgage application).

Please read the below e-Consent Disclosure, complete the requested information, and indicate your decision to Accept or Decline receipt of electronic mortgage disclosures. Once you have indicated your choice to accept electronic disclosures, you will receive disclosures via email at the address you have supplied for the loan(s) requested.

Thank you for choosing Severn Savings Bank for your financing needs!

Disclosure Statement Regarding Electronic Delivery of Documents

Severn Savings Bank provides you with the option to receive, electronically, certain documents related to your account, which are otherwise sent in paper form by U.S. mail. Before you consent to receive these documents electronically, we want you to know:

	-You have the right or option to receive documents electronically or by paper copy delivered by U.S. mail. Both types of documents contain the same information.
	-If you select electronic delivery, you will cease to receive a paper copy.
	-Your consent to electronic delivery of documents will apply to other notices, agreements, and disclosures in connection with your mortgage loan application/inquiry and other such documents as we may make available from time to time.
	-Once you have consented to receive documents electronically, you can withdraw this consent at any time at no cost to you by sending notice in writing to: Severn Savings Bank, FSB 200 Westgate Circle, Suite 200 Annapolis, MD 21401
	-Such withdrawal will be effective within five business days of receipt by Severn Savings Bank.
	-You may request a paper copy of any disclosure document delivered electronically at no cost by calling us at 1-800-752-5854. Requesting a paper copy will not affect your participation in the electronic delivery of future documents.
	-In order to access documents electronically, you will need a personal computer with Microsoft Internet Explorer version 5.0 or newer, Netscape Navigator version 6.2 or newer, or America Online (AOL) version 7.0 or newer; Adobe Acrobat Reader 6.0; Internet access through an Internet Service Provider (ISP); and an email address. Adobe Acrobat Reader 6.0 may be downloaded at no cost on the Internet at http://www.adobe.com/, but all other software, hardware and systems must be provided at your cost.
	-You must provide us with a current, valid email address. In the event you change your email address, you must notify us.
	-Severn Savings Bank reserves the right to terminate this service at any time.

For record-keeping purposes, the following information is required to proceed:

First and Last Name:

Valid Email Address:

Property Address for this transaction:

If you are applying for more than one loan against this property, indicate Yes if this consent applies to all related transactions:

Yes

Referring Loan Officer

By clicking "Accept," you acknowledge receipt of this disclosure and will proceed with enrollment for electronic delivery. Please print or save a copy of this Disclosure for your records before proceeding.