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Disclosure Statement

The following terms of use apply to your access to and use of ShoreBank Pacific's Internet site. Please take a moment to read these terms carefully. By accessing any page of our online site, you agree to be bound by these terms. The term "Bank" as used in these Terms and Conditions means ShoreBank Pacific.

Trademarks

EcoDeposits™ is a registered trademark of ShoreBank Corporation.

Copyright

Information and materials of the Bank included in its online site are protected by the copyright laws of the United States and international treaties.

All online site design, text, graphics and the arrangement thereof are Copyright© 2002 ShoreBank Pacific. Any use of the information and materials included in our online site - unless otherwise indicated - without the prior written permission of the Bank is prohibited.

Use of Information and Materials

The information and materials contained in these pages - and the terms, conditions, descriptions that appear - are subject to change. Not all products and services may be available at all times and in all geographic regions. Your eligibility for particular products and services is subject to final Bank determination and acceptance.

Disclaimer of Warranties

The information, materials and functions contained in our online site, including text, graphics, links or other items are provided on an "AS IS" basis without warranties of any kind, either express or implied, including but not limited to warranties or merchantability, or fitness for a particular purpose. The Bank does not warrant the adequacy, accuracy or completeness of information and materials included in our online site or in third party sites linked to or from our online site or that the functions provided will be uninterrupted or error-free. The Bank expressly disclaims any liability for errors in or omissions from information, materials and functions included in our online site or any third party sites linked to or from our online site.

Disclaimer of Liability

In no event will the Bank be liable for any direct or indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with use of our online site; any interruption in availability of our online site, delay in operation or transmission, computer virus, loss of data, or otherwise, even if the Bank has been advised of the possibility of such damages or loss.

Submissions

At ShoreBank Pacific we collect only customer information that is needed to provide customer services, to offer new products and services, and to fulfill any legal and regulatory requirements. Our customers are entitled to information about the general uses of information we collect about them, and we will provide additional explanation if customers request it.

Security

Access to customer data is limited to those who specifically need it to conduct their business responsibilities as related to the servicing of customer accounts and fulfilling requests for information. Each ShoreBank Pacific employee is personally responsible for maintaining consumer confidence at all times. Internal audits are conducted and external experts are contracted to review our compliance with these privacy principles and the specific policies and practices that support these principles.

Communications

You may communicate directly with the Bank through our online site, subject to the following conditions:

Jurisdiction

ShoreBank Pacific operates and controls our online site from its offices in the State of Washington, United States of America. The Bank makes no representation that any information, materials or functions included in our online site are appropriate for use in any other jurisdiction. If you choose to access our online site from other locations, you do so on your own initiative and are responsible for compliance with applicable local laws and regulations.

Governing Law

Your access to and use of our online site and these terms are governed by and will be construed in accordance with the law of the State of Washington in regard to principles of conflicts of laws. In the event that any provision of these terms is held unenforceable, it will not affect the validity or enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

Children Online

Protecting children's identities and information online is important. ShoreBank Pacific does not knowingly solicit data from children online, nor do we market our online products and services to children.