Terms and Conditions

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEB SITE.

BY ACCESSING OR USING THIS WEB SITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY FIRST CONVENIENCE BANK (for purposes of these terms and conditions the term "First Convenience Bank" includes First Convenience Bank's affiliates, as applicable) FROM TIME-TO-TIME AND POSTED ON THIS WEB SITE.

No Warranties

Although First Convenience Bank attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the "Contents") on the Web site, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE WEB SITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE WEB SITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE WEB SITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, FIRST CONVENIENCE BANK ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEB SITE OPERATED BY A THIRD PARTY.

Limitation of Liability

IN NO EVENT WILL FIRST CONVENIENCE BANK OR ITS SUBSIDIARIES, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY'S USE OF THE WEB SITE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEB SITE OR ANY WEB SITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS WEB SITE OR ANY OTHER WEB SITE, EVEN IF FIRST CONVENIENCE BANK IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

Use of Web site

Contents are included in this Web site solely for the personal use of Web site users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this Web site without the prior written consent of First Convenience Bank, which may be withheld in its sole discretion.

Copyrights and Other Intellectual Property

Except where otherwise expressly noted or as noted below, all Contents of this Web site, including the graphics, icons and overall appearance of the Web site, are the sole and exclusive property of First Convenience Bank, Killeen, Texas and/or its subsidiaries or affiliates. The posting of the Contents of this Web site neither constitutes a waiver of any of First Convenience Bank's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, service marks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the Web site user or to any third party. Contents of this Web site are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Web site.

Links to Other Web sites

First Convenience Bank may establish links between this Web site and one or more Web sites operated by third parties. First Convenience Bank has no control over any such other Web sites or the contents therein. The existence of any such links shall not constitute an endorsement by First Convenience Bank of such Web sites, the contents of the Web sites, or the operators of the Web sites.

Transmissions from this Web site

All transmissions from this Web site directed to First Convenience Bank, with the exception of email's sent from other than First Convenience Bank servers, are sent in a secure form and may or may not be immediately received by the appropriate business unit at First Convenience Bank. Any transmission to this Web site, including email shall be deemed and remain the property of First Convenience Bank. First Convenience Bank shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a Web site user to First Convenience Bank through this Web site.

Required Equipment Disclaimer of Liability

Use of the Services requires a computer and modem (in this Agreement, your computer and all related equipment are referred to as your "Computer") connected through an Internet Service Provider with a Web browser (Internet Explorer ^® 6.0 or higher, FireFox^® 1.5 or higher, Safari 2.0). In order to provide the highest level of functionality and services to our users we recommend enabling JavaScript within your browser and having Microsoft^® Windows Media Player^® installed on the Computer. To provide the highest degree of confidentiality and security, we highly recommend the use of browsers that provide encryption using a 128-bit key. The higher the level of encryption, the harder it is for unauthorized persons to read information. Commercial off-the-shelf browsers typically support 40-bit encryption. Many browser suppliers (Microsoft^® Explorer browser) offer special 128-bit encryption versions, available for download from their respective Web sites. We require you to protect your financial information by using the most secure encryption possible, and we specifically disclaim any and all responsibility for losses resulting from your use of 40-bit encryption. Use of the Services cannot be achieved with 40-bit encryption.

Internet Explorer^® 8 is not yet supported. For additional compatibility details visit http://www.microsoft.com/windows/internet-explorer/features/enhanced-navigation.aspx.

Modifications

First Convenience Bank may at any time make modifications, changes, and alterations to the Contents of this Web site, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of this Web site following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.