Site User Agreement

For www.intrustbank.com

INTRUST Financial Corporation and its subsidiaries and affiliates (collectively, "INTRUST") require that all visitors (collectively, the "User") to its site on the World Wide Web (the "Site") adhere to the following rules and regulations. Please read these terms carefully before using this Site. By accessing the Site, User acknowledges and accepts these terms and conditions. INTRUST may modify or supplement this User Agreement by publishing amendments on the Site and may discontinue or revise any or all other aspects of the Site in its sole discretion and without prior notice to User.

Ownership of Site

All information, including text and graphics, contained in the Site is subject to a copyright by INTRUST, 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 INTRUST or other holder of the copyright.

INTRUST Products and Services Offered on the Site

Various financial and investment products and services may be discussed, described, explained or recommended through the Site. Not all products or services will be applicable, usable or appropriate for all Users. Not all products or services are available in all geographic areas. Every User may not be eligible or qualify for all products or services. INTRUST reserves the right to determine a User’s eligibility or qualification for any product or service subject only to federal or state law.

In addition to the terms and conditions of this User Agreement, specific INTRUST products or services may be subject to certain other disclosures and agreements.

Information Offered on Site

Any discussion, description, explanation or recommendation provided through the Site is general in nature and is not intended to be, and should not be construed as, legal or tax advice. User should consult their attorney or tax advisor.

Banking Products and Services

Deposit and loan products and services which are discussed, described, explained or recommended are made available through INTRUST Bank, N.A., a national banking association headquartered in Wichita, Kansas ("INTRUST Bank"), member FDIC and Equal Opportunity Lender. Discussion, description, explanation or recommendation of a particular product or service does not guarantee the availability of this product or service and, if a lending product or service, does not guarantee the availability of the particular loan product or service, or constitute an offer to make a loan.

Trust Products and Services

Certain trust products and services, which may be discussed, described, explained or recommended, including retirement planning, financial planning, investment information, employee retirement education and certain deposit investment products, are made available through INTRUST Wealth and Retirement, a division of INTRUST Bank, N.A.

Nondeposit Investment Products and Services

Nondeposit investment products and services, including insurance products and services, which may be discussed, described or explained, are offered through partnership with LPL Financial, member FINRA/SIPC or its licensed affiliates. INTRUST Bank, N.A. is not registered as a broker/dealer and is not affiliated with LPL Financial.

Securities, mutual funds, annuities and life insurance products are not bank deposits and are not guaranteed or insured by the FDIC or any other entity and are subject to investment risks, including possible loss of the principal amount invested. Information published by INTRUST Bank, N.A. as part of this web site is published in the United States and is intended only for US residents.

General Disclaimer of Warranties and of Liability

INTRUST does not represent or endorse the accuracy, adequacy, reliability or completeness of any information, content or advertisements contained on, distributed through, or linked, downloaded or accessed from the Site, nor the quality of any other products, information or other materials displayed, purchased, or obtained by User as a result of any advertisement or any information or offer in or in connection with the Site. User agrees that all access and use of the Site and its contents is at User’s own risk. By using the Site, User acknowledges that INTRUST specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with User’s access to or use of the Site (even if we have been advised of the possibility of such damages), including liability associated with any computer virus, malicious code or other defect which may infect a User’s computer equipment. Except as restricted by applicable law, or express agreement, INTRUST is not liable for any direct, indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with the Site or any interruption, delay in its operation, computer virus, malicious code or other defect, loss of data, or otherwise.

THE SITE IS DISTRIBUTED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE, OTHER THAN THOSE WARRANTIES OF SPECIFIC INTRUST PRODUCTS OR SERVICES TO WHICH INTRUST HAS EXPRESSLY AGREED.

Disclaimers Relating To Products and Services of Third Parties

INTRUST may provide hypertext links, icons or marks for User convenience and does not endorse or accept responsibility for any such web site. INTRUST makes no representations about any web site User may access through its Site. Any third party web site linked to this Site is independent from INTRUST and INTRUST has no control over the products, services or information contained in or available through these third party web sites. The quality and dependability of these third party web sites may vary as they are updated or altered, and INTRUST does not accept responsibility for monitoring or testing the quality or dependability of such third party sites. Access to any third party web sites linked to this Site is at the User’s own risk. INTRUST shall not be considered an agent of any third party and INTRUST shall have no responsibilities nor liabilities to any User regarding any action, omission, or warranty of any kind concerning any third party, its products, services or information. By providing hypertext links, icons, marks or other information of a third party, or by advertising on the web pages of a third party, INTRUST does not endorse, and shall have no obligation or liability concerning, such third party’s delivery, or non-delivery of its respective goods, services or information, or the accuracy, adequacy, reliability, completeness or timeliness of such goods, services or information. With regard to services or products purchased, obtained or delivered by or to the User by a third party provider, INTRUST makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such service and products and INTRUST specifically disclaims all other warranties with regard to said services and products.

Additional disclosures and agreements relating to specific products and services of third party providers are available from the site of the third party. Before dealing with any third party, the User should read, understand and be satisfied with the terms and conditions of such third party related to its products, services or information.

Collection of Information

We may collect information from you through your use of this website. We may tie this information to personal information about you that we collect from other sources or that you provide to us. Third party advertising or media companies may likewise collect anonymous information about your visit to the website. For instance we may use the following technologies:

  • Cookies - Cookies are small bits of information sent by a website server to your device. Cookies remember information about your activities on the website to make your visits to the website more enjoyable and valuable to you by providing a customized experience and recognizing your preferences when you visit the webpage. If you have chosen to disable cookies on your browser, some of the functionality of the website may be lost. Certain services provided by the website require that cookies be enabled in your browser and cannot be used when you have disabled cookies in your browser.
  • Web Beacons - Web beacons (also known as clear gifs, pixel tags, and single-pixel gifs) are small graphic images on a web page or in an email that can be used for such things as recording the pages and advertisements that you select, or tracking the performance of email marketing campaigns.
  • Web Server Logs - Web server logs are records of activity created by the computer that delivers the web pages you request to your browser. For example, a web server log may record the search term you entered or the link you clicked to bring you to the web page. The web server log also may record information about your browser, such as your IP address, and the cookies set on your browser by the website server.

Our primary purpose in collecting information about you is to provide you with the products, services, and information that you request. We may use information about you to track how you use our website. We may use the information to advertise certain products, services, and information you may be interested in based upon your usage of the website. We may use information to provide maintenance, support, and answer other customer service questions regarding the website. In addition, we may aggregate the information that you provide with the information that other users provide in order to conduct research, analysis, or studies for our own purposes.

Transmission of Information to Bank

Any communication or material User transmits to INTRUST via the Site or Internet electronic mail becomes the property of INTRUST and may be used by INTRUST for any purpose within the limits of the INTRUST Privacy Policy (Download Adobe Reader). User may not transmit any obscene, libelous or defamatory messages to INTRUST.

Governing Law

The Site is operated by INTRUST from its headquarters in the State of Kansas. INTRUST makes no representation that the information contained in the Site complies with the laws of any other jurisdiction. The use of the Site is governed by the laws of the State of Kansas without regard to principles of conflicts of laws.

Termination of Service

INTRUST reserves the right to deny or terminate User’s access to or use of the Site, or any service or product, in INTRUST’s sole discretion, without notice and without limitation, including, but not limited to User’s breach of any provision of this User Agreement or any additional agreement relating to a specific product or service, or discontinuance of INTRUST access to any product or service from any third party provider.

Change in User Agreement

INTRUST may revise this User Agreement at any time, effective upon posting the revised User Agreement on the Site. Continued access or use by User of the Site after posting of the revisions by INTRUST, shall constitute User’s acceptance and agreement to the changes in the User Agreement.

C340-138NT (10/18)