Disclosures Web site Terms & Conditions

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEB SITE.

BY ACCESSING, BROWSING OR USING THIS WEB SITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL. IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS, PLEAS EXIT THIS WEB SITE IMMEDIATELY.

Acceptance

This Agreement constitutes your agreement with United Mississippi Bank with respect to your use of United Mississippi Bank’s web site (the "Web site"). You must agree to abide by all of terms and conditions contained in this Agreement in order to continue viewing or using the Web site. United Mississippi Bank reserves the right to change, modify, add or remove any portion of this Agreement, in whole or in part, at an time in its sole and absolute discretion. Your continued use of the Web site after any changes are made shall be deemed your acceptance of these changes. It is incumbent on you to refer to this page from time to time to make sure that you are aware of any additions, revisions, or modifications that may have been made to this Agreement.

No Warranties

Although United Mississippi Bank attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the "Contents") on the Website, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THIS WEB SITE, INCLUDING THE CONTENTS AND FUNCTIONS MADE AVAILABLE ON OR ACCESSED THROUGH OR SENT FROM THE WEB SITE, ARE PROVIDED "AS IS." TO THE FULLEST EXTENT PERMITTED BY LAW, UNITED MISSISSIPPI BANK AND ITS SUBSIDIARIES AND AFFILIATE MAKE NO REPRESENTATION OR WARRANTIES OF ANY KIND WHATSOEVER ABOUT: (A) THE CONTENT ON THE WEB SITE; (B) THE MATERIALS, INFORMATION AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED OR ACCESSED THROUGH THE WEB SITE; (C) ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES; AND /OR (D) ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE WEB SITE OR ANY LINKED SITE. FURTHER, UNITED MISSISSIPPI BANK AND ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. UNITED MISSISSIPPI BANK DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE WEB SITE OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. UNITED MISSISSIPPI BANK AND ITS SUBSIDIARIES AND AFFILIATES SHALL NOT BE LIABLE FOR THE USE OF THE WEB SITE INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OR IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT BE APPLICABLE IN ALL JURISDICTIONS.

Limitation of Liability

In no event will United Mississippi Bank or its subsidiaries, affiliates, contractors, or their respective employees be liable for any damages, including, without limitation, DIRECT, indirect, incidental, special, consequential or punitive damages, whether under a contract, tort or any other theory of liability, arising in connection with any party's use of the Website or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line system failure, loss of data, or loss of use related to this Web site or any website operated by any third party, even United Mississippi Bank is aware of the possibility of such damages. If your use of this website results in the need for servicing, repair or correction of equipment or data, you assume any costs thereof. Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above might not apply to you.

Use of Web Site

The contents included in this Web site are solely for the personal use of web site users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the contents or cookies of this Web site without the prior written consent of United Mississippi Bank, which may be withheld in its sole and absolute discretion.

Copyrights and Other Intellectual Property

Except where otherwise expressly noted or as noted below, all of the Contents of this Web site, including the graphics, icons and overall appearance of the Website, are the sole and exclusive property of United Mississippi Bank. The posting of the Contents of this Web site neither constitutes a waiver of any of United Mississippi Bank's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, servicemarks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the web site user or to any third party. The Contents of this Website are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any contents you obtain from the Web site. To agree to abide by any and all additional copyright notices, information, or restrictions contained in any part of the Website. Except where otherwise noted herein, the copying or storage of any of the Contents from the Web site is expressly prohibited without prior written permission from United Mississippi Bank or the copyright holder as identified on the Web site.

The display of trademarks within this Website does not grant a license of any kind to the reader. Any downloading of contents of this Website or any web site linked to this Website may be a violation of federal and other trademark laws and federal copyright laws.

Links to and from Other Web sites

United Mississippi Bank may establish links between this Web site and one or more web sites operated by third parties. If you use these links, you will leave this Web site. United Mississippi Bank has not reviewed all of these third party sites and does not control and is not responsible for any of these sites or their content. The links to third party sites do not constitute an endorsement of such third party sites by United Mississippi Bank or any of its subsidiaries or affiliates.

Any World Wide Web site that links to this Website: (a) Shall not create a border environment around any of the content of this Website; (b) Shall not imply that United Mississippi Bank or any of its affiliates or subsidiaries are endorsing it or its products; (c) Shall not present false information about United Mississippi Bank, its products and services; (d) Shall not use the name "United Mississippi Bank", "unitedmsbk.com", “umbank.biz” or “umbbank.biz” without prior written permission from United Mississippi Bank; and (e) Shall not contain content that could be construed as distasteful, offensive or controversial.

Transmissions to and from this Web site

Except where expressly indicated otherwise, transmissions to and from this website or directed to United Mississippi Bank, including E-mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at United Missisippi Bank. Please do not use E-mail to send us communications that either contain confidential information, are required to be in writing, or that need our immediate attention. Instead, please call us at 601-445-7000, or write to us at the following address: United Mississippi Bank, Attention: Customer Service, P. O. Box 670, Natchez, MS 39121. Any transmission to this Web site, including E-mails, shall become the property of United Mississippi Bank, and may not be returned. United Mississippi Bank shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a website user to United Mississippi Bank through this Web site.

Available Only Where Permitted by Law

The products and services of United Mississippi Bank are available only in the United States and other countries where permitted by law.

Governing Law and Venue These Terms and Conditions shall be governed by and construed in accordance with the law of the State of Mississippi, without regard to the conflict of laws thereof, and to the laws of the United States. Exclusive venue of any disputes arising from the use of this Website shall be in Adams County, Mississippi for all state court matters, and the Southern District of Mississippi for all federal court matters.

Severability

To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect.

Waiver

The failure of United Mississippi Bank to enforce any of the terms and conditions listed herein shall not be considered a waiver by United Mississippi Bank of its right to enforce that or any other term or condition at any later time.

Miscellaneous

This Agreement contains the sole and entire agreement between the parties with respect to the use of the this Website and supercedes any and all other prior written or oral agreements between them. Captions contained in this Agreement are inserted only as a matter of convenience or for reference and in no way define, limit, extend, or describe the scope of this Agreement or the intent of any provision of this Agreement. It is the intent of the parties that nether this Agreement, nor any covenant in this Agreement, shall be construed against either party pursuant to the common law rule of construction against the drafter. It is the intent of the parties that said rule not be applicable to this Agreement. The parties waive all rights to trial by jury in any action or proceeding instituted in connection with this Agreement. If any provision of this Agreement shall be held invalid or unenforceable by any court of competent jurisdiction or as a result of future legislative action, such holding or action shall be strictly construed and shall not affect the validity or effect of any other provision of this Agreement.

Service Contact

You may contact United Mississippi Bank by e-mail, or by phone at 601-445-7000, or by mail to United Mississippi Bank, Attention: Internet Banking, P. O. Box 670, Natchez, MS 39121 with questions or problems with this Website.

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