The following terms of use apply to your access to and use of United Savings Federal Credit Union's Internet Sites ("Internet Sites"). Please take a moment to read these terms carefully. By accessing any page of our Internet Sites, you agree to be bound by these terms. The term "United Savings" as used in these Terms and Conditions means United Savings Federal Credit Union and any of its affiliates.

Copyright
Information and materials of United Savings Federal Credit Union included in its Internet Sites are protected by the copyright laws of the United States and international treaties.

Internet Sites design, text, graphics and the arrangement thereof are Copyright © 2001 United Savings Federal Credit Union. Any use of the information and materials included in our Internet Sites — unless otherwise indicated — without the prior written permission of United Savings is prohibited.

Use of Information and Materials
The information and materials contained in these pages — and the terms, conditions, descriptions that appear — are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final United Savings Federal Credit Union determination and acceptance. Investment products are not obligations of or guaranteed by United Savings Federal Credit Union. Investments are not credit union deposits and are not insured by the NCUA or any other entity, and are subject to risks, including possible loss of the principal amount invested.

Disclaimer of Warranties
The information, materials and functions contained in our Internet Sites, including text, graphics, links or other items are provided on an "AS IS" basis without warranties of any kind, either express or implied, including but not limited to warranties or merchantability, fitness for a particular purpose, or freedom from computer virus. United Savings does not warrant the adequacy, accuracy or completeness of the information and materials included in our Internet Sites or in third party sites linked to or from our Internet Sites or that the functions provided will be uninterrupted or error-free. United Savings expressly disclaims any liability for any errors in or omissions from information, materials and functions included in our Internet Sites or any third party sites linked to or from our Internet Sites.

Disclaimer of Liability
In no event will United Savings be liable for any direct or indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with use of our Internet Sites, any interruption in availability of our Internet Sites, delay in operation or transmission, computer virus, loss of data, or otherwise, even if United Savings has been advised of the possibility of such damages or loss. United Savings is not responsible or liable for the avalibility or information contained within links to third party Internet Sites.

Submissions
Information submitted to United Savings through our Internet Sites will become and remain the property of United Savings Federal Credit Union. And United Savings will be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information provided to United Savings through our Internet Sites. United Savings will not be subject to any obligations of confidentiality regarding submitted information except as agreed to by United Savings entity having a direct customer relationship or as otherwise specifically agreed to or required by law.

Communications
You may communicate directly with United Savings through our Internet Sites, subject to the following conditions:

• You may not upload any information or material that violates any copyright, trademark or other proprietary rights of any person or entity.
  
• You must not include any obscene, libelous or defamatory content in your communications.
  
• You must indemnify and hold United Savings harmless from any and all damages, losses and liabilities arising from your communications with us through our Internet Sites, except as stated in United Savings' PC Banking service agreement.
  
  

Jurisdiction
United Savings Federal Credit Union operates and controls our Internet Sites from its offices in the State of California, United States of America. United Savings makes no representation that any information, materials or functions included in our Internet Sites are appropriate for use in any other jurisdiction. If you choose to access our Internet Sites from other locations, you do so on your own initiative and are responsible for compliance with applicable local laws and regulations.

Governing Law
Your access to and use of our Internet Sites and these terms are governed by and will be construed in accordance with the law of the State of California without regard to principles of conflicts of laws. In the event any provision of these terms is held unenforceable, it will not affect the validity or enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.