Please read these terms, conditions and disclaimers carefully. By accessing this Web site, you agree to be bound by all of these terms and conditions.

Gold Coast Bank (“the Bank”) requires that all persons using this Web Site (“Site”) adhere to the following terms and conditions. By using the Site, you agree to abide by these terms and conditions. You acknowledge and agree that you have read this agreement carefully. If you do not agree to the Terms and Conditions, you may not access or otherwise use the Site.

Please see our Internet Privacy Statement for additional information regarding how we may use and disclose information and materials received from you or collected through your use of this Site.

Gold Coast Bank reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Agreement, in whole or in part, at any time.

The Gold Coast Bank or others own the information and materials on this web site, including, but not limited to all design, text, sound recordings and images, as indicated. Except as otherwise expressly stated herein, you may not modify, publish, transmit, create derivative works, or in any way exploit any of the content of the Site, in whole or in part. This Site is protected by copyright as a collective work and/or compilation, pursuant to U.S. Copyright laws, international conventions, and other copyright laws. All materials contained on the Site are protected by Gold Coast Bank. You will abide by any and all additional copyright notices, information, or restrictions contained in any of the content on the Site. Unless otherwise explicitly stated on the Site, you may print but may not otherwise download any of the content on the Site without the express written consent of Gold Coast Bank.

Gold Coast Bank may change, suspend or discontinue any aspect of the Site at any time. Gold Coast Bank may also impose limits on certain features and services or restrict your access to parts or the entire Site without notice or liability.

You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane materials or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law or regulation. Gold Coast Bank will fully cooperate with any law enforcement authorities or court order requesting or directing Gold Coast Bank to disclose the identity of anyone posting any such information or materials.

The Site may contain links to other sites on the Internet. These links are provided for your convenience. The linked sites are not under the control of the Bank and the Bank is not responsible for the content, products or services available on third-party sites. The links do not imply the Bank’s endorsement or approval of material on any other site. The Bank is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of the linked sites, or reference to or reliance on information contained therein. Third party sites may have privacy and information security policies that differ from Bank’s. You should review the privacy and information security policies for any third party site that you have linked to, before providing the third party with confidential information.

The Bank does not represent nor warrant the accuracy, adequacy, completeness, or timeliness of the information, materials, products, and services on the Site or the error-free use of the Site. This Site and all information, materials, products, and services provided through the Site are provided “As Is” and “As Available” without warranty of any kind, either express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose, non-infringement, and freedom from a computer virus.

Neither Gold Coast Bank, nor any of its subsidiary or affiliate entities, agents, employees, or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if we are advised of the possibility) arising in any way from the information contained in this Web site or any information transmitted via this Web site. Gold Coast Bank is not liable for any damages or losses that may be caused to any equipment and other software due to any viruses, defects or malfunctions in connection with access or use of this Web site.

By transmitting information through this Web site, you accept the risk that the information you transmit to us and any information that we transmit to you, may be intercepted by third parties.

All messages, applications, mail, and information you transmit to the Bank through the Site become and will remain the property of the Bank. The Bank may use, for any purpose, any ideas, concepts, know-how, techniques, data, and information you provide, and may disclose that information to others, subject to the Bank’s Privacy Policy , applicable law, or your agreement with the Bank. All remarks, suggestions, graphics, or other information communicated to Bank through its Site (collectively, a “Submission”) will be the property of Bank. You acknowledge that you are responsible for whatever you submit, and you have full responsibility for the data, message, including its legality, reliability, appropriateness, originality, and copyright. Bank may retain records of these submissions for as long as Bank considers appropriate, but Bank has no duty to maintain records of submissions other than as required by law.

You are hereby authorized to view the content on this Site for informational purposes only. Such content is not intended to provide specific legal, accounting, financial or tax advice for any person and should not be relied upon in that manner. Product offers, rates, terms and other information provided herein are subject to change without notice. Your eligibility for particular products and services is subject to Gold Coast Bank’s review and acceptance. Please note that not all of the products and services described in this Site are available in all geographic areas.

The Bank will make reasonable efforts to keep any communication or material you transmit to us via the Site or Internet electronic mail confidential, except as required by law or otherwise specifically agreed. However, there are certain risks inherent with transmissions of information over the Internet. Thus the Bank cannot guarantee the security of the information submitted via the Internet. All communication or material submitted to the Bank will be the property of the Bank.

Because Internet e-mail may not be immediately received by the appropriate person or department at Gold Coast Bank, you should not use the Internet mail to communicate matters of information to Gold Coast Bank which needs immediate attention or which Gold Coast Bank requires to be held in writing.

This agreement shall be governed by and constructed in accordance with the laws of the state of New York, without regard to conflicts of law provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to this agreement shall be an appropriate state or federal court located in the state of New York.

The Terms and Conditions constitute the entire agreement between Gold Coast Bank and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of the Terms and Conditions, or portion thereof, to be unenforceable, that provision will be enforced to the maximum extent permissible so as to affect the intent of the Terms and Conditions, and the remainder of the Terms and Conditions shall continue in full force and effect.

Terms of Usage as of May 2008