NOTICE & DISCLAIMER

PLEASE READ THIS NOTICE & DISCLAIMER CAREFULLY

Omni Bank, N.A. (“Omni”) provides this Web site as a convenience to its customers and the public. By using this Web site or the information, data, materials or software provided (collectively, the “Information”) on this Web site you acknowledge and agree to the following terms and conditions. If you do not agree to these terms and conditions, do not use this site.

This is a protected Web site. To intentionally cause damage to this Web site, or to any of Omni’s electronic facility or data through the knowing transmission of any program, information, code, or command is unlawful.

SITE DISCLAIMER

Omni takes reasonable measures to ensure the quality of the Information made available on this Web site. Omni may periodically update the Information but makes no commitment to do so. By entering this site you acknowledge and agree that your use of the Information is at your own risk and that none of the parties involved in creating, producing or delivering this site is liable for any loss, injury, claim, liability or damage of any kind resulting in any way from: (a) any errors in or omissions from the Information; (b) the unavailability or delay of the Information; (c) your use of the Information or any conclusions you draw from it, regardless of whether you received any assistance from Omni or its employees with regard to the Information; (d) your use of any equipment in connection with the site or anything obtained from the site; or (e) the content of the site, including anything caused by any viruses, bugs or malfunctions.

Disclaimer Regarding NON-Omni Bank, N.A. Information

For convenience and informational purposes only, from time to time Omni may provide links to information and third party software outside of Omni’s Web site as additional resources. Users should be aware that when they select a link on this Web site to an external Web site, they are leaving Omni Bank, N.A.’s Web site. Omni is not responsible for the contents of any linked sites, nor does it guarantee the products for services offered on third party sites. Please review the privacy statement of a Website before you provide personal or confidential information.

The linked Web sites and third party software are not under the control of Omni. These sites may contain information that is copyrighted with restrictions on reuse. Permission to use copyrighted materials must be obtained from the original source and cannot be obtained from Omni. Omni makes no warranty, express or implied, nor assumes any liability or responsibility for any information or software that is available through or linked to by this Web site. The inclusion of links on this Web site does not imply Omni’s sponsorship, endorsement, recommendation or approval of the sites or software, the entities or organizations managing the sites, any views expressed on the sites or any products or services offered. Reference on this Web site to any specific commercial product, process, or service by trade name, trademark, manufacture, or otherwise does not constitute or imply Omni’s endorsement or favoring by Omni.

OMNI BANK, N.A. PROVIDES NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, TITLE, QUALITY AND NON-INFRINGEMENT OF ANY INFORMATION ON THIS WEB SITE. ALL INFORMATION, DATA AND MATERIALS ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTY OF ANY KIND. OMNI BANK, N.A. SHALL NOT BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER KIND OF DAMANGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION, OR ATTORNEY’S FEES) THAT ARE IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE USE OR PERFORMANCE OF, OR INABILITY TO USE INFORMATION AVAILABLE FROM THIS WEB SITE, REGARDLESS OF WHETHER OMNI BANK, N.A. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

CONSENT TO MONITORING

This system and related equipment are subject to monitoring. By using this site you expressly consent to such monitoring and you are advised that if such monitoring reveals possible evidence of criminal activity, Omni will provide the evidence of such criminal activity to law enforcement officials. Information regarding users may be obtained and disclosed to authorized personnel, including law enforcement authorities, for official purposes, to the extent as permitted by law. Access to or use of this Web site constitutes consent to these terms.

LIMITATIONS

The materials displayed on Omni’s Web site are Omni’s property and protected by U.S. and international copyright law and treaties, and shall not be transmitted, broadcast, copied, adapted, displayed, or performed without the prior express permission of Omni. None of the information on Omni’s Web site may be used, distributed, or reproduced for commercial purposes without our prior express written permission.

CHANGES

Omni reserves the right to change these terms and conditions, or the content of any portion of our Web site at any time without notice. Your continued access of Omni’s Web site will be subject to the terms and conditions in effect at the time you access this site.