CONSENT TO ELECTRONIC RECORDS

By activating your Smart Touch Online Banking account you are consenting to our providing you an electronic record of (i) the disclosures (the "Disclosures") included in the Smart Touch Online Banking Disclosure Statement and Agreement, and (ii) your authorizations (the "Authorizations") of any preauthorized electronic fund transfers from your account. You may (i) request that the Disclosures be provided to you now on paper, (ii) even if you consent to an electronic record now, later withdraw that consent and have the Disclosures and Authorizations provided to you on paper, and (iii) update information we need to contact you electronically, by

1. writing us at United Smart Touch Online Banking, P.O. Box 393,
   Charleston, WV 25322-0393, or
2. calling us at 1-800-EASY-UNB.

Your consent applies only to our providing an electronic record of the Disclosures and Authorizations. There will be no fee charged if you request that the Disclosures or Authorizations be provided to you on paper. You must have a personal computer, a modem, an Internet Service Provider for Internet access, and the current version of one of the following web browsers: Netscape Navigator, Internet Explorer or America Online in order to gain access to and retain the electronic record of the Disclosures and Authorizations.