TERMS AND NOTICES

Disclaimer

First Independent Bank endeavors to provide you with the highest quality on-line banking available. However, due to the unpredictable nature of the Internet, occasional inaccessibility to our web site should be expected. Bill payment through First Independent Bank's Internet banking system called Netline™ is provided to you for your convenience. The actual payment of such bills is handled by an independent third party (CheckFree), and First Independent Bank cannot and will not guarantee or be held responsible for the completion and accuracy of such transactions.

First Independent Bank reminds you that the Internet lacks inherent security for commercial transactions and therefore First Independent Bank cannot and does not guarantee that downloads from this site will not contain a virus or other destructive device. Additionally, you provide, request and receive information from this site with the knowledge that such information can be intercepted and/or viewed by unknown third parties. Please contact us at (775) 828-2000 with any questions you may have regarding the above-identified informationand disclaimers.

Features and services availability of First Independent Bank's Internet banking system called Netline™ are subject to change without notice.

All information contained herein is believed by First Independent Bank to be accurate and reliable. First Independent Bank is not responsible for any errors or omissions because of the possibility of human and mechanical error as well as other factors.

All information is provided "as is" without warranty of any kind. First Independent Bank makes no representations and disclaims all express, implied, and statutory warranties of any kind to user and/or third party including warranties as to accuracy, timeliness, completeness, merchantability, or fitness for any particular purpose.

First Independent Bank shall under no circumstances be liable to user and/or any third party for any indirect, consequential, incidental or punitive damages whatsoever, even if First Independent Bank has been advised of the possibility of such damages.

Some limitations may not apply to you.

First Independent Bank does not endorse or sanction any of the sites listed with regards to links to external web sites provided on First Independent Bank's web site, nor is First Independent Bank associated with any of these sites in any way. Information, contents, or opinions expressed in these sites are the sole responsibility of their authors.

Statements concerning future performance, developments or events, concerning expectation for growth and market forecasts, and any other guidance on future periods, constitute forward-looking statements which are subject to a number of risks and uncertainties which might cause actual results to differ materially from stated expectations.

Disclosure

Product descriptions contained herein do not take the place of required disclosures on personal and business deposit and loan accounts under applicable federal and state regulations.

Please contact us for the disclosures appropriate to these accounts.

Copyright

The information and design contained herein are owned by First Independent Bank.

Except for a single temporary copy in a single computer's memory and a single permanent copy to be used by user, the information contained herein may not otherwise be used (not copied, performed, distributed, rented, sublicensed, altered, stored for subsequent use, etc. in whole or in part, in any manner) without First Independent Bank's express prior written consent, unless such use constitutes fair use under the Copyright Act.

Trademarks

First Independent Bank and logos or product names identifying First Independent Bank are registered trademarks of First Independent Bank.

Featured logos including but not limited to Apple iTunes, Microsoft, Netscape, America Online or other mentioned businesses are trademarks of their respective owners.

Electronic Mail

Messages sent by electronic mail (e-mail) may not be secure, may be intercepted by third parties, and may not be immediately received by the appropriate department at First Independent Bank. Please do not use e-mail to send communications to First Independent Bank which contain confidential information, which First Independent Bank requires in writing, or which need First Independent Bank's immediate attention. Please call us instead at (775) 828-2000. Be aware that a "receipt" acknowledgment on an e-mail message means only that the message has been routed into the Internet, not that the message has been received by First Independent Bank.