Introduction: These terms and conditions govern the use of our online banking website (the "Website"). By accessing or using the Website, you agree to be bound by these terms and conditions. If you do not agree to these terms and conditions, you may not access or use the Website.

Eligibility: To use the Website, you must be an account holder in good standing with us and have an active online banking account. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

Use of the Website: You may use the Website only for lawful purposes and in accordance with these terms and conditions. You agree not to use the Website: (i) in any way that violates any applicable federal, state, local or international law or regulation; (ii) for the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise; (iii) to transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation; or (iv) to impersonate or attempt to impersonate us, our employees, another user or any other person or entity.

Intellectual Property: The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by us, our licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Third-Party Links: The Website may contain links to third-party websites or resources. You acknowledge and agree that we are not responsible or liable for: (i) the availability or accuracy of such websites or resources; or (ii) the content, products, or services on or available from such websites or resources. Links to such websites or resources do not imply any endorsement by us of such websites or resources or the content, products, or services available from such websites or resources.

Disclaimer of Warranties: The Website is provided "as is" and "as available" without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, non-infringement, or fitness for any particular purpose. We do not warrant that the Website will be uninterrupted or error-free, and we will not be liable for any interruptions or errors. This is not an actual bank, it is an experiment.

Limitation of Liability: In no event will we be liable for any damages whatsoever, including but not limited to, any direct, indirect, special, consequential, punitive or incidental damages, or damages for loss of use, profits, data, or other intangibles, or the cost of procurement of substitute goods and services, arising out of or related to the use, inability to use, unauthorized use, performance or non-performance of the Website, even if we have been advised previously of the possibility of such damages and whether such damages arise in contract, negligence, tort, under statute, in equity, at law or otherwise.

Indemnification: You agree to indemnify and hold us, our affiliates, officers, agents, and other partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Website in violation of these terms and conditions and/or arising from a breach of these terms and conditions and/or any breach of your representations and