Disclosures
and Agreements

USA Patriot Act Disclosure

Important information about procedures for opening a new account:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

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What this means for you:

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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Website Terms of Use

The Website offered to you by SAFCU, and your use therein is conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the SAFCU website constitutes your agreement to all such terms, conditions, and notices. Your use of any portion of SAFCU's Website is subject to the following terms and conditions ("Terms"):

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Governing law. You agree that your use of SAFCU's website ("Site") is governed by the laws of the State of California and any applicable federal United States laws. For individual products and services offered by SAFCU, the applicable customer agreements and disclosures may specify that the laws of another jurisdiction will govern your use of the account and/or service, and the terms of those disclosures and agreements will continue to apply. If you access this Site from other locations, you do so on your own initiative and you are responsible for complying with applicable local laws. SAFCU does not represent that the materials in this Site are appropriate or available for use in all locations. Access to this Site from locations where the contents of this Site are illegal or penalized is prohibited. This Site is not intended for children under the age of 13. Please do not access or use this Site if you are under 13 years of age. By using this Site, you affirm that you are over the age of 13.

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Copyright and trademark information. The trademarks, trade names, and service marks (the "Marks") used on SAFCU's website belong to SAFCU or to various other parties. No one is authorized to use any of the Marks in any manner without the prior express written permission of the owner of the Mark. The materials displayed on SAFCU's website are protected by U.S. and international copyright law and treaties, and shall not be transmitted, broadcast, copied, adapted, displayed, reproduced, republished, uploaded, downloaded, posted, distributed, performed or otherwise used without the prior express permission of SAFCU. All Site design rights, databases and other intellectual property rights associated with the Site, whether registered or unregistered, and related goodwill, are proprietary rights of SAFCU. Modification of any Marks or materials displayed on the Site or the use of any materials displayed for any other purpose is a violation of the copyrights and other proprietary rights of SAFCU and is prohibited.

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Limitations. None of the information on SAFCU's website may be used, distributed, or reproduced for commercial purposes without our prior express written permission. No third party is authorized to solicit SAFCU's products or services without SAFCU's prior express written permission. There are various restrictions, limitations, and costs associated with SAFCU's products and services, which are disclosed in the applicable customer agreements and continue to apply regardless of any information provided in our website. Not all products and services described are available in all geographic areas.

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No warranties. The materials in this Site are provided "as is." From time to time SAFCU's website may include information from third parties, and/or links to other websites. SAFCU does not make any warranties, express or implied, regarding any materials on this Site, any third party information or any links to other websites, and SAFCU assumes no responsibility for the accuracy, completeness, reliability or suitability of the information provided on this Site or by third parties or information, software (if any), offers or activity found on other websites which may be linked to our Site. Any links to third-party websites are for convenience only and should not be interpreted as endorsement or approval by Bank of the West of the organizations sponsoring such third-party websites or their products or services. If you use these links, you will leave this Site. These Terms do not apply to any other websites. With respect to this Site and to third-party websites, SAFCU does not make any warranties regarding the results of the use of the materials on this Site or on any third-party website, or that the functions contained on this Site or on any third-party website will be uninterrupted or error-free, that defects will be corrected, or that this Site or the server which makes it available, or any third-party website, are free of viruses or other harmful components.

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User-Submitted Information and Prohibited Activities. You are responsible for anything you transmit to or through this Site or to us through email, and that your transmissions will be truthful, accurate, not misleading, offered in good faith and that you have authority to transmit such information. You must not transmit anything to or through this Site or to us through email that you consider to be confidential or proprietary. Anything that you transmit to or through this Site or to us through email will be considered to not be confidential or proprietary. This policy serves to avoid potential misunderstandings or disputes regarding ownership of ideas. In addition, in using this Site, you must not:

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Violate or attempt to violate the security of this Site. Any such violations may result in criminal and/or civil penalties against you. SAFCU may investigate any suspected violation and if a criminal violation is suspected, we will cooperate with law enforcement agencies in their investigations;

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Send or otherwise transmit to or through this Site any unlawful, infringing, harmful, harassing, defamatory, threatening, hateful or otherwise objectionable material of any kind, any material that can cause harm or delay to this Site or computers of any kind, and any unsolicited advertising, solicitation or promotional materials;

Misrepresent your identity or affiliation in any way;

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Restrict, discourage, or inhibit any person from using this Site, disclose personal information obtained from this Site, or collect information about users of this Site;

Reverse engineer, disassemble or decompile any section or technology on this Site, or attempt to do any of the foregoing;

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Gain unauthorized access to this Site or computers or websites connected or linked to this Site;

Launch or use any automated system, including without limitation, "robots", "spiders", or "offline readers", that access this Site in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional web browser;

Send or otherwise transmit to or through this Site chain letters, unsolicited messages, so-called "spamming" or "phishing" messages, or messages marketing or advertising goods and services;

Violate any applicable laws or regulations or these Terms; or

Assist or permit any persons in engaging in any of the activities described above.

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You agree to indemnify, defend and hold SAFCU, its parent companies and their respective directors, officers, employees, agents and contractors harmless from and against any and all claims, damages, losses, costs (including without limitation reasonable attorneys' fees) or other expenses that arise directly or indirectly out of or from (i) your breach of any provision of these Terms; or (ii) your activities in connection with this Site. Limitation of liability. SAFCU disclaims liability for any and all claims, losses, costs, expenses (including attorneys' fees), and damages of whatever kind or nature including without limitation general, compensatory, special, incidental, consequential, punitive, exemplary or treble damages ("Damages") based on any theory of liability, in connection with any use of SAFCU's website and the information contained therein, the inability to use this Site or the materials on it, the misappropriation of materials, or the loss of, or damage to, materials for any reason, even if SAFCU has been advised of the possibility of such Damages.

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Changes and Termination of Use SAFCU reserves the right to change these Terms of Use, or the content of any portion of our website at any time without notice. Your continued access of SAFCU's website will be subject to the Terms of Use in effect at the time you access our website. SAFCU may terminate your use of this Site or any features or services at any time and for any reason without notice for conduct violating these Terms. Upon any such termination, you must destroy all Materials obtained from this Site and all copies. The provisions of these Terms concerning Site security, prohibited activities, Marks, user submissions, disclaimer, limitation of liability, indemnity, and governing law issues shall survive any such termination. If any provision of these Terms is unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions. These Terms are the entire agreement between you and Bank of the West relating to the subject matter herein and shall not be modified except as provided herein.

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Modification of These Terms of Use

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SAFCU reserves the right to change the terms, conditions, and notices under which the SAFCU Site/Services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the SAFCU Site/Services constitutes your agreement to all such terms, conditions, and notices.

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Third Party Links

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For your convenience, this website may provide links to other websites on the world wide web. Unless expressly stated otherwise on this website, SAFCU does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any websites to which this website may provide a link. By using this website, you acknowledge and agree that SAFCU will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products, or materials.