User Agreement

Please Read These Terms Of Use Carefully Before Using This Site:

21st Century Bank maintains this Site to provide you with information about 21st Century Bank products and services and to facilitate communication with 21st Century Bank and its related companies. 21st Century Bank requires that all the visitors to our site(s) on the Internet (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions. From time to time we may revise these terms and conditions.
   
Copyright in the pages, screens, text and images appearing at the site is owned by 21st Century Bank or others as indicated. The information and materials contained in the site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of 21st Century Bank.
   
Not all of the products or services described on the Site are available in all geographic areas. You may not be eligible for all the products or services described. 21st Century Bank reserves the right to determine the eligibility for any product or service. Investment products and services (i) are not bank deposits and are not insured by the FDIC, (ii) are not guaranteed by 21st Century Bank, and (iii) are subject to substantial risk, including the possible loss of some or all of the principal invested.
   
Any communication or material you transmit to us via the Site or Internet electronic mail is on a non-confidential basis and may be used by 21st Century Bank for any purpose within the limits of our privacy policy statement including reproduction, publication broadcast and posting.
   
We will use our best efforts to include accurate and up to date information on the Site, but we make no warranties or representations as to the accuracy of the information. You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of the Site, (even if we have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment.
   
With regard to services or products purchased or obtained by the user from a non-21st Century Bank person or entity, 21st Century Bank makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such services and products and 21st Century Bank specifically disclaims all other warranties with regard to said services and products.
   
You agree that your use of this site shall be governed by all applicable Federal laws and the laws of the state of Minnesota and agree that venue shall be located in Minneapolis, Minnesota.

                                                                                                      
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