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 SET FORTH BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE OR ANY PORTIONS THEREOF.

American Chartered Bank maintains this site on the Internet (the "Site") to provide you with information about American Chartered Bank, its products and services, and to provide an avenue of communication between the user and American Chartered Bank. Your access to and use of the Site is subject to these terms and conditions, as amended from time to time, and all applicable laws and regulations.

The information and materials appearing in this Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, re-posted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as explicitly provided for in these terms and conditions, without the express written consent of American Chartered Bank.

All users may not be eligible for all the products or services offered by American Chartered Bank, and the right to determine the eligibility of users for products or services remains with American Chartered Bank.

All information submitted via this Site shall be the property of American Chartered Bank, who shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this Site provides. American Chartered Bank shall have no obligations of confidentiality regarding submitted information except as agreed by American Chartered Bank having the direct customer relationship or as otherwise specifically agreed or required by law.

American Chartered Bank strives to provide accurate and up to date information on this Site, but makes no warranties or representations regarding 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 potential for such damages) including liability associated with any viruses which may infect a user's computer equipment. Hyperlinks to other Internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by American Chartered Bank.

You agree that your use of this Site shall be governed by all applicable Federal laws, as well as the laws of the state of Illinois.