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NOTICE: 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. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

COPYRIGHT © ETBGROUP 2025. 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 ETBgroup unless otherwise indicated.

TRADEMARKS
ETB, ETB and Arc Design, ETBBANK, ETBGROUP, ETBCORP and ETB NEVER SLEEPS are trademarks and service marks of ETBgroup Inc. and ETBbank, N.A. and are used and registered throughout the world. The Blue Wave design is trade dress of ETBgroup and is used throughout the world. ETBbank, N.A., ETBgroup Inc. and their subsidiaries also claim rights in certain other trademarks and service marks contained in these web pages.

USE OF INFORMATION AND MATERIALS
T
he information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of ETBgroup's web sites and systems including but not limited to unauthorized entry into ETBgroup's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by ETBgroup and/or its affiliates. Investment services are not bank deposits or insured by the FDIC or other entity, and are subject to investment risks, including possible loss of principal amount invested.


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


AVAILABILITY
This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.


ADDITIONAL TERMS
Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.


GOVERNING LAW
Use of this site shall be governed by all applicable Federal and State laws




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