Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE

Welcome to the Vantage Bank Texas web site. Vantage Bank Texas and its affiliates provide access to its web site (the Site) and its products and services to you subject to the following Terms and Conditions of Use (the Terms). By accessing the Site, you consent to and accept the Terms and any amendments to the Terms. Vantage Bank Texas may revise the Terms at any time, without giving you prior notice, by updating this posting. Once you have registered for any Vantage Bank Texas service or services (the Service(s)) available through the Site, you and Vantage Bank Texas shall be subject to the applicable agreement (Service Agreements) that you agree to at the time of registration for the service. You agree to review the Terms regularly, and your continued access or use of the Site will mean that you agree to any changes.

USE OF SITE

In order to access the Site, you must obtain access to the Internet by subscribing to an Internet Service Provider (ISP) of your choice and by using compatible hardware, software, and web browser. You are solely responsible for any fees associated with your access to the Internet, including the fees of your ISP. To protect the security of your personal account information, Vantage Bank Texas requires you to use a web browser that supports adequate security measures including the use of Secure Socket Layer (SSL) encryption technology, as determined from time to time by the Bank. At the time you access a Service where personal account information is available, Vantage Bank Texas will advise you if you do not have a currently acceptable web browser version and will provide you the opportunity to upgrade your version. You are responsible at your expense for the procurement, installation, maintenance, and operation of any necessary equipment to access the Site. The Bank is not responsible for any errors or failures of your equipment. As with all uses of the Internet, you should use anti-virus software when accessing the Site. The Bank is not responsible for any computer virus or related problems that may be associated with your use of the Site or any of the Service(s). All products and services of Vantage Bank Texas are subject to the terms and conditions of the applicable Service Agreements governing their use. Product offers, rates, terms, and other information provided are subject to change without notice. Vantage Bank Texas restricts access to Password-protected areas of the Site to authorized users only. If you are an authorized user, you are responsible for maintaining the confidentiality of your User ID, your Password and for any Additional Authentication Information (AAI) that Vantage Bank Texas may require you to enter for security and authentication purposes. For all transactions you conduct as an authorized user, you must use your User ID and Password, and from time-to-time you may be asked to enter your AAI for additional security purposes or procedures. You agree to immediately notify Vantage Bank Texas of any unauthorized use of your UserID, your Password and/or your AAI, or any other breach of security. For security reasons, you should not leave your computer unattended while using the Services and you should always log out of the Site after using the Services. Vantage Bank Texas is not liable for any loss or damage arising from your failure to protect the confidentiality of your User ID, Password and/or AAI, or your other security lapses.

TERMS AND CONDITIONS OF USE CHILDREN USING OUR SITE AND OUR SERVICES

Naturally, the safety of children is very important to Vantage Bank Texas. Children should always ask a parent or legal guardian for permission before sending personal information to anyone online. Vantage Bank Texas is a general audience Site, and we expect that children may visit our Site. Only the parent or legal guardian of a child under the age of 13 can access our Services, even when a deposit account has been established on behalf of the child.

Should you have additional questions or concerns, please contact our Customer Service Center 1-866-580-7262, Monday through Friday 8:00 a.m. to 6:00 p.m. CST.

PRIVACY POLICY

Vantage Bank Texas reserves the right to place various cookies or similar text files on your computer to record preferences you have entered and to modify the Site accordingly, and also for security or user authentication purposes. For information regarding Vantage Bank Texas’ privacy policy and use of cookies, please see the Privacy Statement. The privacy policies of other businesses providing any of the services and products on the Site may be different than those of Vantage Bank Texas and you should review those policies before engaging in a transaction or providing any personally identifying information to such businesses.

UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT (“UIGEA”)

Vantage Bank Texas has adopted and will adhere to the UIGEA. Unlawful Internet gambling means to place, receive, or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received, or otherwise made. The term does not include placing, receiving, or otherwise transmitting a bet or wager that is excluded from the definition of this term by the Act as an intrastate transaction or an intra-tribal transaction, and does not include any activity that is allowed under the Interstate Horseracing Act of 1978. The intermediate routing of electronic data shall not determine the location or locations in which a bet or wager is initiated, received, or otherwise made. The Act prohibits any person engaged in the business of betting or wagering from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. Such transactions are termed “restricted transactions.” The Act generally defines “unlawful Internet gambling” as placing, receiving, or otherwise knowingly transmitting a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received, or otherwise made.

COMMUNICATIONS

All communications or other materials transmitted to Vantage Bank Texas through this Site are not confidential and are deemed to be Vantage Bank Texas’ property. The communications or other materials may be used for any purpose within the limits of our Customer Privacy Statement. Electronic mail (e-mail) communication over the Internet is not confidential or secure. Vantage Bank Texas is not responsible for any damages in connection with an e-mail you send to Vantage Bank Texas or an e-mail Vantage Bank Texas sends to you at your request. Any confidential information should only be sent to Vantage Bank Texas through approved channels such as secured email and Live Chat. If you register for a Service, you agree to provide true, accurate, current and complete information about yourself, if prompted by the Services registration form, and to maintain and promptly update the registration data to keep it true, accurate, current and complete. Vantage Bank Texas reserves the right to verify any personal information you provide and the right to make inquiries about you to the extent allowed in our Customer Privacy Statement with regard to a request by you or a cosigner for a product, service, or customer assistance. If you provide any information that is untrue, inaccurate, not current or incomplete, or Vantage Bank Texas has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Vantage Bank Texas has the right to suspend or terminate your access to the Site and refuse any and all current or future use of the Services (or any portion thereof). COPYRIGHT/TRADEMARKS This Site is owned and operated by Vantage Bank Texas, or others as indicated. All of the material displayed on this Site, including the images, design, look and feel, photographs, audio, page headers, software, buttons, video, other icons, graphics, text, screens, and web pages and the selection and arrangement thereof (Content) is either the property of Vantage Bank Texas or is displayed by way of a license from the materials owner. Vantage Bank Texas, or others as indicated, also owns the trademarks, service marks, registered service marks, or registered trademarks and logos (Marks) displayed on the Site. You agree not to use the Content or Marks for any purpose without the express written consent of Vantage Bank Texas or the third party that may own the Content or Marks. BOOKMARKING AND LINKING You understand that you may create a bookmark in your web browser to the Vantage Bank Texas home page. You may not create any link to either the Vantage Bank Texas home page or any other of the Bank’s web site pages without the written approval of Vantage Bank Texas, including, without limitation, a link on a publicly accessible web site. You may not use any of Vantage Bank Texas Marks or Content. No person may link to this Site from any web site not owned or sponsored by Vantage Bank Texas without first notifying Vantage Bank Texas of the intention to create such link and obtaining Vantage Bank Texas’ written permission. No web site linking to this Site may frame or border this Site with the content of the linking site visible in the same window without Vantage Bank Texas’ express written permission. Any use of materials on this Site without the prior written consent of Vantage Bank Texas other than as expressly set out herein is prohibited.

THIRD PARTY CONTENT, PRODUCTS AND SERVICES

Vantage Bank Texas may provide you links to Internet web sites maintained by third parties. Vantage Bank Texas does not control such third parties and does not operate, control or endorse in any respect any information, products or services on such third party web sites. Your use of third party content or purchase of third party products or services is at your own risk.

NO WARRANTIES

Vantage Bank Texas provides the site, all content and the products and services offered for sale on the site to you as is without warranty of any kind, either express or implied. Vantage Bank Texas disclaims any and all such representations and warranties, express or implied, to the maximum extent permitted by applicable law including the warranties of merchant-ability, fitness for a particular purpose, security, accuracy, accessibility, non-interruption and non-infringement. Some states do not allow limitations on how long an implied warranty lasts, so the above limitation may not apply to you. this warranty gives you specific legal rights. You may also have other rights that vary from state to state. Exclusion of damages; limitation on liability to the maximum extent permitted by applicable law, Vantage Bank Texas shall not be liable to you or others for any direct, compensatory, indirect, incidental, punitive, consequential or other damages of any kind arising out of or related to the terms, the site or the services, even if Vantage Bank Texas has been advised of the possibility of such damages. To the maximum extent permitted by applicable law, if, notwithstanding the other provisions of the terms, Vantage Bank Texas should have any liability to you arising out of or related to the terms, the site or the services, you agree such liability shall not exceed $1,000. Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you. This clause gives you specific legal rights. You may also have other rights that vary from state to state. Indemnification to the maximum extent permitted by applicable law, you agree to release, indemnify, defend and hold harmless Vantage Bank Texas from and against all damages, claims, liabilities and expenses (including attorneys fees) brought by any person arising from or relating to your access and use of the site, including without limitation any claims alleging facts that if true would constitute a breach by user of these terms and conditions.

LAWS AND REGULATIONS

The Terms constitute the entire agreement between you and Vantage Bank Texas with respect to your access to the Site and governs your use of the Site, superseding any prior agreements between you and Vantage Bank Texas. Notwithstanding the foregoing, authorized users may be subject to additional terms and conditions as set forth in any other applicable Bank online services agreement. You agree that Texas law, without regard to conflicts of law principles, shall govern your access to and use of this Site, except to the extent such laws are preempted by federal law or regulation. You and Vantage Bank Texas agree, to the maximum extent permitted by applicable law, to submit to the personal and exclusive jurisdiction of the state or federal courts located within Bexar County, Texas and to venue in San Antonio, Texas. Vantage Bank Texas makes no representation that materials in the Site or the Services are appropriate or available for use in other locations. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. Vantage Bank Texas reserves the right to seek all remedies available at law and in equity for violations of these terms and conditions, including the right to block access from a particular Internet address to the Site. This Site is intended for use only in the United States or other jurisdiction that would recognize the choice of law and choice of jurisdiction provisions made herein. The failure of Vantage Bank Texas to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect. You agree that regardless of any statute or law to the contrary, you must give us notice of any claim or course of action (a Claim) arising out of or related to use of the Site within one (1) year after you became aware of the material facts and circumstances giving rise to such Claim and any Claim must be filed within two (2) years after such claim arose or be forever barred.