CHARTER BANK PROVIDES THE MATERIALS CONTAINED AT OUR SITE(S) ON THE WORLD WIDE WEB (THE “SITE”) AS A SERVICE TO OUR CUSTOMERS AND VISITORS. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. CHARTER BANK MAY REVISE THESE TERMS AND CONDITIONS AT ANY TIME BY UPDATING THIS POSTING, WHICH REVISIONS WILL BE BINDING UPON ALL VISITORS TO THE SITE. YOU SHOULD REVISIT AND REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME AS YOU VISIT THE SITE. FOR PURPOSES OF THESE TERMS AND CONDITIONS, ALL REFERENCES TO CHARTER BANK INCLUDE ITS AFFILIATES, DIRECTORS AND EMPLOYEES.

Copyright Charter Bank 2006. All Rights Reserved. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Charter Bank unless otherwise indicated.

Laws and Regulations

User access to and use of the Site is subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. Washington law and Federal law will govern the interpretation and enforcement of these Terms and Conditions.

Proprietary Rights

You are authorized by Charter Bank to copy, transmit or display any information registered or owned by Charter Bank on any page of the Site solely for your personal, non-commercial use, provided that any such copy, transmission or display includes any copyright, trademark or service mark attribution as it appears on such page. The information and materials contained at the Site may not otherwise be copied, transmitted, displayed, distributed, downloaded, licensed, modified, published, posted, reproduced, used, sold, transmitted, used to create a derivative work or otherwise used for commercial or public purposes without Charter Bank's prior written consent.

The Site, including this page, may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information at the Site are the copyright or trademark of third parties and any use is subject to the terms and conditions of such third parties.

Use of Information and Materials

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

Investment Products

Investment products are not obligations of or guaranteed by Charter Bank. Investment services are not bank deposits or insured by the FDIC or any other entity, and are subject to investment risks, including possible loss of the principal amount invested.

No Warranty

CHARTER BANK DOES NOT WARRANT OR GUARANTEE THIS SITE WILL BE AVAILABLE AT ALL TIMES OR ANYTIME. THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS, OR OTHER ITEMS - ARE PROVIDED "AS IS" AND "AS AVAILABLE". CHARTER BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND/OR MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND/OR MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

The information contained at the Site may include technical inaccuracies or typographical errors. Charter Bank from time to time amends, changes, adds, deletes, updates or alters the information contained at this Site, including information regarding the products and services described at the Site, without notice. Charter Bank assumes no liability for any errors or omissions in the information contained at the Site and expressly disclaims any responsibility to update the information contained at the Site.

LIMITATION OF LIABILITY

IN NO EVENT WILL CHARTER BANK BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR THE USE THEREOF OR THE INABILITY TO USE BY ANY PARTY, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT AND TORT ACTIONS (INCLUDING LIBEL), ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING OR DISPLAY OF, OR THE INTERACTION OR ANY OTHER FORM OF COMMUNICATION WITH, THE SITE AND THE INFORMATION CONTAINED AT THE SITE (INCLUDING VIA COMPUTER VIRUSES OR ANY OTHER FORM OF SOFTWARE) OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR SYSTEM FAILURE, EVEN IF CHARTER BANK, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Submissions

All information submitted to Charter Bank via this site shall be deemed to be and shall remain the property of Charter Bank and Charter Bank shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides Charter Bank through this site. Charter Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Charter Bank entity having the direct customer relationship or as otherwise specifically agreed or required by law.

Links To Other Internet Web Sites

Some of the Web sites listed as links herein are not under the control of Charter Bank, but rather are exclusively controlled by third parties. Accordingly, Charter Bank makes no representations whatsoever concerning such Web sites. Although Charter Bank may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by Charter Bank with respect to such Web site, its owners or its providers. Charter Bank is providing these links only as a convenience to you. Charter Bank has not tested any information, products or software found on such Web sites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure that whatever you select is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

IN NO EVENT WILL CHARTER BANK BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF ANY HYPERLINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Feedback

Any comments or materials sent to Charter Bank, including feedback data, such as questions, comments, suggestions or the like regarding the content of any such documents (collectively "Feedback"), shall be deemed to be the property of Charter Bank. Charter Bank's use of the Feedback will be in compliance with the Charter Bank Privacy Notice, which is set forth on the Site, and applicable laws. Charter Bank shall have no additional obligations with respect to such Feedback and shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Feedback to others without limitation. Further, Charter Bank shall be free to use any ideas, concepts, know-how or techniques contained in such Feedback for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such Feedback. Application information submitted to Charter Bank shall be treated confidentially to the extent required by applicable law or as disclosed in the application.

VIOLATIONS OF TERMS AND CONDITIONS

Charter Bank 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. YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS CHARTER BANK FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY'S FEES, RELATED TO YOUR VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR USE OF THE SERVICES AND INFORMATION PROVIDED AT THE SITE.