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Site User Agreement

Southwest National Bank (SWNB) requires that all visitors (User) to its site on the World Wide Web (Site) adhere to the following rules and regulations. By accessing the Site, User acknowledges and accepts these terms and conditions.

Ownership of Site

All information, including text and graphics, contained in the Site is subject to a copyright by SWNB or others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of SWNB or other holder of the copyright.

Products and Services Offered on the Site

Various financial and investment products and services may be discussed, described, explained or recommended through the Site. Not all products or services will be applicable, usable or appropriate for all Users. Not all products or services are available in all geographic areas. Every User may not be eligible or qualify for all products or services. SWNB reserves the right to determine eligibility or qualification for any product or service subject only to federal or state law.

In addition to the terms and conditions of this User Agreement, specific SWNB products or services may be subject to certain other disclosures and agreements.

General Disclaimer of Warranties and of Liability

SWNB does not represent or endorse the accuracy, adequacy, reliability or completeness of any information, content or advertisements contained on, distributed through, or linked, downloaded or accessed from the Site, nor the quality of any other products, information or other materials displayed, purchased, or obtained by User as a result of any advertisement or any information or offer in or in connection with the Site. User agrees that all access and use of the Site and its contents is at User’s own risk. By using the Site, User acknowledges that SWNB specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with User’s access to or use of the Site, including liability associated with any computer virus, malicious code or other defect which may infect a User’s computer equipment. Except as restricted by applicable law, or express agreement, SWNB is not liable for any direct, indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with the Site or any interruption, delay in its operation, computer virus, malicious code or other defect, loss of data, or otherwise.

Disclaimers Relating to Products and Services of Third Parties

SWNB may provide hypertext links, icons or marks for User convenience. By providing hypertext links, icons, marks or other information of a third party, or by advertising on the web pages of a third party, SWNB does not endorse, and shall have no obligation or liability concerning, such third party’s delivery, or non-delivery of its respective goods, services or information, or the accuracy, adequacy, reliability, completeness or timeliness of such goods, services or information. With regard to services or products purchased, obtained or delivered by or to the User by a third party provider, SWNB makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such service and products and SWNB specifically disclaims all other warranties with regard to said services and products.

Additional disclosures and agreements relating to specific products and services of third party providers are available from the site of the third party. Before dealing with any third party, the User should read, understand and be satisfied with the terms and conditions of such third party related to its products, services or information.

Collection of Information

We may collect information from you through your use of this Site. We may tie this information to personal information about you that we collect from other sources or that you provide to us. Third party advertising or media companies may likewise collect anonymous information about your visit to the Site. Refer to the SWNB Online Privacy Policy for more Information Collection and Use information.

Transmission of Information to the Bank

Any communication or material User transmits to SWNB via the Site or Internet electronic mail becomes the property of SWNB and may be used by SWNB for any purpose within the limits of the SWNB Privacy Policy. User may not transmit any obscene, libelous or defamatory messages to SWNB.

Governing Law

The use of the Site is governed by the laws of the State of Kansas without regard to principles of conflicts of laws.

Termination of Services

SWNB reserves the right to deny or terminate User’s access to or use of the Site, or any service or product, in SWNB’s sole discretion, without notice and without limitation, including, but not limited to User’s breach of any provision of this User Agreement or any additional agreement relating to a specific product or service, or discontinuance of SWNB access to any product or service from any third party provider.

Change in User Agreement

SWNB may revise this User Agreement at any time, effective upon posting the revised User Agreement on the Site. Continued access or use by User of the Site after posting of the revisions by SWNB, shall constitute User’s acceptance and agreement to the changes in the User Agreement.