Terms of Use
Effective 06/01/02

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We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site, or any pages therein. 

This website is not directed to children, although we may periodically advertise special accounts that may be appropriate for children. Parents of children interested in any of our online services should contact us at one of our many office locations.

Website Content and Links to Other Websites

This financial institution maintains this website to provide you with information about our products and services.  For your convenience, we may also provide links to our related companies and/or various third parties that may be of interest to you.  The links are provided solely to assist you in locating other useful information on the Internet. When you click on the links to third party sites, you will leave our website and will be redirected to another site.

This Financial Institution does not control linked sites. The content on these sites may periodically change without notice. We make no representation or warranty regarding the accuracy of the information contained in linked sites.  We suggest that you always verify the information obtained from linked sites before acting upon this information. 

We are not an agent for linked third parties nor do we endorse or guarantee their products and services.  The products and services offered by external third parties are not products of this financial institution and are not insured by any governmental agency such as the FDIC or the NCUA.

Also, please be aware that the security and privacy policies on linked sites may be different from our policies, so please read third party privacy and security policies closely. 

If you have any questions or concerns about the products and services offered on linked sites, please contact the third party directly.   

Investment Products

We may provide links to Investment or Securities companies, which offer products such as stocks, bonds, mutual funds, and annuities. Investment products may be offered directly by this financial institution, an affiliated company of this financial institution, or an unaffiliated third party.  Please note that investment products available through this site:

·         Are NOT financial institution deposits.

·         Are NOT insured by any governmental agency such as the FDIC or NCUA.  

·         Are NOT obligations of or guaranteed by this financial institution.  

·         Involve investment risks, including the possible loss of some or the entire principal amount invested.

Insurance Products

We may also provide links to purchase insurance products. This financial institution, its affiliated companies, and/or other unaffiliated third parties may offer these products. Please note that insurance and annuity products available through this site:

·         Are NOT deposits, obligations of, or guaranteed by this financial institution or any of its affiliates.  

• Are NOT insured by this financial institution, the NCUA, the FDIC, or any other agency of the United States.
• Certain insurance products, such as annuities, may have investment risk, including the possible loss of value.
• The purchase of an insurance product is not a condition to any loan, product or service offered by this financial institution, its affiliates, or nonaffiliated third party.
• Insurance products may not be available in all states.

Privacy

Any communication or material that you transmit to us via this site or through electronic mail will be considered confidential and may be used only by this financial institution for the purposes described in our privacy notice. All information submitted to our website shall be considered and shall remain the property of this financial institution; this information will only be used internally for the purpose intended or as allowed by law.  If you need to communicate personal or confidential information, please do not use the email feature on this website, it may not be a secure email service. If you need to send us an email with personal or confidential information, you should use the secure mail feature within our Internet Banking Service.

Merchants and other third parties on our website may collect personal information when you visit their websites or when you purchase their products. You should review the privacy policies of these third parties prior to the use of their websites and the purchase of their products and services. 

Use of Information and Materials

Any and all information, materials, product offerings, services, terms, and conditions are subject to change without notice.

Any dated information on this site is "As Of" its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information. You may contact this financial institution to verify the accuracy of information.

Not all products and services are available in all geographic areas. We reserve the right to determine your eligibility for any product or service.

Trademark Notices 

"FundsXpress" and "FundsXpress and Design" (the "logo") are registered service marks of FundsXpress Financial Network, Inc. The FundsXpress logo consists of two elements: the red "swirl" and the name, FundXpress Financial Network. FundsXpress Financial Network is a service mark of FundsXpress Financial Network, Inc.

All other registered and unregistered trademarks in this document are the sole property of their respective owners.

Copyright Notices

This financial institution owns copyright in the pages, screens, text, sound recordings, and images appearing at this site unless otherwise indicated.

Limitation of Liability

Because of the possibility of human, mechanical, and computer-related errors as well as other factors, this financial institution is not responsible for any errors in or omissions from the information contained in or accessed through this website. All such information is provided "AS IS" to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property or fitness for any particular purpose.

This financial institution is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their computers and diskettes using a reliable virus detection product to detect and remove any viruses.

This financial institution will not be liable for any delay, difficulty in use, inaccuracy of information, malicious code, or other defects on this site, or for the incompatibility between this website and the files in your browser or other site accessing program. Nor will this financial institution be liable for any other problems you experience due to causes beyond our control.

Hyperlinks to other Internet resources are at your own risk. The content, accuracy, opinions expressed, and other links provided by these resources are not investigated, monitored, or endorsed by this Financial Institution or FundsXpress.

No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and this Financial Institution. This Financial Institution will under no circumstances be liable to you and/or any third party for any lost profits or lost opportunity, or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if financial institution has been advised of the possibility of such damages.

Governing Law

This agreement shall be governed by and construed in accordance with federal statutes and the laws of the state in which this financial institution has its headquarters.