United Multi Apex - Smooth Services
TERMS AND NOTICES

Disclaimer

United Multi Apex, and its primary wholly-owned subsidiary, United Multi Apex, (including the following divisions: Alliance Association Bank, Alliance Bank of Arizona, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank) endeavors to provide you with the highest quality on-line banking available. However, due to the unpredictable nature of the Internet, occasional inaccessibility to our web site should be expected. Bill payment through United Multi Apex’s Internet banking system is provided to you for your convenience. The actual payment of such bills is handled by an independent third party, and United Multi Apex cannot and will not guarantee or be held responsible for the completion and accuracy of such transactions.

United Multi Apex and United Multi Apex (the "Company") reminds you that the Internet lacks inherent security for commercial transactions and therefore the Company cannot and does not guarantee that downloads from this site will not contain a virus or other destructive device. Additionally, you provide, request and receive information from this site with the knowledge that such information can be intercepted and/or viewed by unknown third parties. Please contact us with any questions you may have at the phone number for your division: Alliance Association Bank (888-734-4567), Alliance Bank of Arizona (888-880-2887), Bank of Nevada (888-880-0307), Bridge Bank (408-423-8500), First Independent Bank (888-815-0547), and Torrey Pines Bank (888-880-1790).

Features and services availability of United Multi Apex’s Internet banking system are subject to change without notice.

All information contained herein is believed by the Company to be accurate and reliable. United Multi Apex is not responsible for any errors or omissions because of the possibility of human and mechanical error as well as other factors.

All information is provided "as is" without warranty of any kind. The Company makes no representations and disclaims all express, implied, and statutory warranties of any kind to any user and/or third party including warranties as to accuracy, timeliness, completeness, merchantability, or fitness for any particular purpose.

The Company shall under no circumstances be liable to any user and/or third party for any indirect, consequential, incidental or punitive damages whatsoever, even if the Company has been advised of the possibility of such damages.

Some limitations may not apply to you.

The Company does not endorse or sanction any of the sites listed with regards to links to external web sites provided on this web site, nor is the Company associated with any of these sites in any way. Information, contents, or opinions expressed in these sites are the sole responsibility of their authors.

Statements concerning future performance, developments or events, concerning expectation for growth and market forecasts, and any other guidance on future periods, constitute forward-looking statements which are subject to a number of risks and uncertainties which might cause actual results to differ materially from stated expectations.

Disclosure

Product descriptions contained herein do not take the place of required disclosures on personal and business deposit and loan accounts under applicable federal and state regulations.
Please contact us for the disclosures appropriate to these accounts.

Copyright

The information and design contained herein are owned by the Company.

Except for a single temporary copy in a single computer's memory and a single permanent copy to be used by user, the information contained herein may not otherwise be used (not copied, performed, distributed, rented, sublicensed, altered, stored for subsequent use, etc. in whole or in part, in any manner) without the Company’s express prior written consent, unless such use constitutes fair use under the Copyright Act.

Trademarks

United Multi Apex, United Multi Apex and its divisions and logos or product names identifying each are registered trademarks of the Company.

Featured logos including but not limited to Apple iTunes, Microsoft, Netscape, America Online or other mentioned businesses are trademarks of their respective owners.

Electronic Mail

Messages sent by electronic mail (e-mail) may not be secure, may be intercepted by third parties, and may not be immediately received by the appropriate department at the Company. Please do not use e-mail to send communications to the Company which contain confidential information, which the Company requires in writing, or which need the Company's immediate attention. Please contact us with any questions you may have at the phone number for your division: Alliance Association Bank (888-734-4567), Alliance Bank of Arizona (888-880-2887), Bank of Nevada (888-880-0307), Bridge Bank (408-423-8500), First Independent Bank (888-815-0547), and Torrey Pines Bank (888-880-1790)Be aware that a "receipt" acknowledgment on an e-mail message means only that the message has been routed into the Internet, not that the message has been received by the Company.

Links to Other Sites

Links to non-Company websites are provided solely as pointers to information on topics that may be useful to a user and/or third party, and the Company has no control over the content on such non-Company websites. If you choose to link to a website not controlled by the Company, the Company makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does the Company warrant that such site or content is free from any claims of copyright, trademark or other infringement of rights of third parties or that such site or content is devoid of viruses or other contamination. The Company does not guarantee the authenticity of documents on the Internet. Links to non-Company websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

Links to Other Important Documents and Disclosures

Deposit Account Agreement Disclosure
eStatement Service Agreement
Third-Party Sender Addendum
Treasury Management Agreement