Use of Information
Any person is hereby authorized to view the information available from this
web site for informational purposes only. No part of the information on this
site can be redistributed, copied, or reproduced without prior written consent
of Oregon Pacific Bank.
Copyright Information
©2002 Oregon Pacific Bank, All Rights Reserved
©2002 The Forms Group, Scottsdale, AZ All Rights Reserved
All information in this site is protected by a compilation copyright in the
United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et
seq) and International Copyright Laws and may not be reproduced in whole or in
part. Unless otherwise specified, no one has permission to copy or republish,
in any form, any information found on this site.
Trademark Information
BankSITE® is a registered trademark of The Forms Group.
Disclaimer of Warranties
The information contained or accessed, and references to corporations,
including their services and products, are provided "as is" without warranty
of any kind, either express or implied, including, but not limited to, the
implied warranties of merchantability, fitness for a particular purpose,
non-infringement, or error-free or uninterrupted service.
Descriptions of, or references to, products, services or publications within
Oregon Pacific Bank's web site does not imply endorsement of that
product, service or publication. Oregon Pacific Bank makes no
warranty of any kind with respect to the subject matter included herein, the
products listed herein, or the completeness or accuracy of the information.
Oregon Pacific Bank specifically disclaims all warranties, express,
implied or otherwise, including without limitation, all warranties of
merchantability and fitness for a particular purpose.
This publication could include technical inaccuracies or typographical errors.
Changes may be periodically made to the information herein.
Disclosures
Facts, data, & other information presented on Oregon Pacific Banking website
pages are provided directly by Oregon Pacific Bank.
Oregon Pacific Bank, our employees, officers, directors and
shareholders, as well as BankSITE®, are not responsible for typographical
errors or errors of omission; and, we cannot guarantee that all information is
accurate or complete.
Deposit information presented on the website of Oregon Pacific Bank
is in accordance with the Federal Reserves Truth in Savings Act (12CFR230).
Interest rates displayed for deposit products are based on Annual Percentage
Yield (APY) and may fluctuate at any time.
Loan information presented on the website of Oregon Pacific Bank is
in accordance with the Federal Reserve Truth in Lending Act (12CFR226).
Interest rates displayed for loan products are based on an Annual Percentage
Rate (APR) and may fluctuate at any time.
Home Equity Loan Rate Disclosures:
Variable Rate Home Equity Loan - Rates and terms subject to change. Normal
underwriting guidelines apply. Standard fees at borrower's expense.
Home Equity Line of Credit - Monthly Payments and Interest Only - The rate may
increase or decrease. Appraisal or title insurance, if required, at borrower's
expense. Property insurance is required. Flood insurance may be required.
Property must be owner-occupied. Normal underwriting guidelines apply.
Mortgage Loan Rate Disclosures:
15-Year and 20-Year Fixed Rate - Rates and terms subject to change. Normal
underwriting guidelines apply. Borrower pays all closing costs.
30-Year Fixed Rate - Rates and terms subject to change. Normal underwriting
guidelines apply. Borrower pays all closing costs.
Construction Loan - Rates and terms subject to change. Normal underwriting
guidelines apply. Borrower pays all closing costs. Your interest rate cannot
change, increase or decrease more than two percentage points at each
adjustment.
Adjustable Rate Mortgage - Rates and terms subject to change. Normal
underwriting guidelines apply. Borrower pays all closing costs. Your interest
rate cannot change, increase or decrease more than two percentage points at
each adjustment.
OREGON PACIFIC BANK INTERNET BANKING SERVICE AGREEMENT
This Internet Banking Agreement ("Agreement") explains the terms and
conditions governing access to the Internet Banking Service offered by Oregon
Pacific Bank. The term "Services" may or may not include "Bill
Payment" feature. The customer in the Agreement is referred to as "you" or
"your" and refers to each signer on an account. The terms "we", "us" and "our"
refer to Oregon Pacific Bank. In addition to this Agreement, you
agree to be bound by and will comply with the requirements in the Account
Agreement, the Truth in Savings Disclosure, the Schedule of Fees and Charges,
the Funds Availability Policy, the Electronic Funds Transfer Notice, the
Bank's Rules and Regulations, the Rules and Regulations of any funds transfer
system to which the Bank belongs and applicable state and federal laws and
regulations. If there is a conflict between the Agreement and any initial
disclosures you received when you opened your account(s), this Agreement will
control.
GENERAL INFORMATION
You agree to be responsible for any telephone charges which you incur by
accessing Internet Banking Services. If you wish to cancel Internet Banking
Services, please send us cancellation instructions in writing to: Oregon
Pacific Bank, P.O. Box 22000, Florence, Oregon 97439.
PERSONAL IDENTIFICATION NUMBER AND IDENTIFICATION NUMBER
Initially, you will be assigned an Identification Number, ("ID") and a
Personal Identification Number ("Password?) that will give you access to your
accounts. The Password can be changed through the Account Management screen.
You should change your Password regularly. You agree not to disclose the
Password to anyone. You are responsible for keeping your Password and
Identification Number confidential.
LIABILITY FOR UNAUTHORIZED USE
Tell us AT ONCE if you believe your Password has been lost or stolen.
Telephoning is the best way of keeping your possible losses down. You could
lose all the money in your account (plus your maximum overdraft line of
credit). If you tell us within two (2) business days, you can lose no more
than $50.00 if someone used your Password without your permission. If you do
NOT tell us within two (2) business days after you learn of the loss or theft
of your Password, and we can prove that we could have stopped someone from
using your Password without your permission if you had told us, you could lose
as much as $500.00. Also, if your statement shows transfers that you did not
make, tell us at once. If you do not tell us within sixty (60) days after the
statement was mailed to you, you may not get back any money lost after the
sixty (60) days if we can prove that we could have stopped someone from taking
the money if you had told us in time. If a good reason (such as a long trip or
a hospital stay) kept you from telling us, we will extend the time periods. If
you believe that your Password has been lost or stolen or that someone has
transferred or may transfer money from your account without your permission,
Contact any Branch of Oregon Pacific Bank or call us at
(800)997-7121 (541) 997 7121 or write us at P.O. Box 22000, Florence, Oregon
97439.
Oregon Pacific Bank is not liable for any loss related to
authorization given to aggregators, consolidators or screen scraping firms.
Oregon Pacific Bank prohibits the user from providing access to
their Internet Banking and Bill Payer accounts by aggregators, consolidators
or screen scraping firms.
EXCLUSION OF WARRANTIES AND LIMITATION OF LIABILITY
Access to Services is provided on an "as is, as is available" basis. Bank
makes no warranties of any kind, whether expressed or implied, for the
Services. Bank also disclaims any warranty of merchantability, fitness or
non-infringement for any particular purpose. You expressly agree that use of
the Internet Banking system and transmission of information through the
Internet Banking system is at your sole risk. Neither Bank nor its employees
or agents warrant that service will be uninterrupted or error free. Neither
Bank nor anyone else involved with the creation, distribution, production or
delivery of services available on the Internet Banking system shall be liable
for any direct, indirect, incidental, special or consequential damages you
suffer, this includes loss of use, data or profits, whether or not advised of
the possibility of damage and on any theory of liability resulting from
delays, non-deliveries, mis-deliveries or service interruptions. You agree to
indemnify and hold harmless the Bank, its directors, officers, employees and
agents from any claims resulting from your use of the Services, which causes
damage to you or another party. Use of any information obtained through the
Internet Banking system is at your own risk.
HOURS OF ACCESSIBILITY
You can generally access your Internet Banking and Bill Payment Account seven
days a week, twenty four hours a day. Periodically Internet Banking or Bill
Payment may not be available due to system maintenance. Bill Payments made
after 1:00 P.M. (Pacific Standard Time) will be processed on the next business
banking day. Cut off time for internal transfers is 6 pm Monday through
Friday
ADDITIONAL TERMS AND CONDITIONS
You can obtain balance and transaction history on all eligible Bank accounts.
Any account for which you are only an authorized signer, but have no ownership
rights, will not be accessible. Accounts that require two or more signatures
are not eligible for transfer of funds. Funds are available according to the
Funds Availability Policy you received when you opened your deposit account.
If a hold has been placed on deposits made to an account from which you wish
to transfer funds, you cannot transfer funds until the hold expires or is
deleted by the Bank.
BILL PAY SERVICES
If you enroll for Bill Pay you can arrange for the payment of current, future
and recurring bills from a designated bank checking account. There is an
additional fee for business Bill Pay services.
RIGHT TO PRIVACY POLICY
Oregon Pacific Bank recognizes the importance of protecting the
privacy of your personal information. Please refer to the Right To Privacy
Disclosures issued at the time of opening your account and mailed to you on an
annual basis
GENERAL TERMS
We reserve the right to change the terms described in this Agreement. When
changes are made to any terms we will update this Agreement and send a notice
to you at the address shown on our records. The notice will be sent at least
thirty (30) days in advance of the effective date of any additional fees for
Services or of any stricter limits on the type, amount or frequency of
transactions or any increase in your responsibility for unauthorized
transactions unless an immediate change is necessary to maintain the security
of the Internet Banking System. If such a change is made, and it can be
disclosed without jeopardizing the security of the Internet Banking System, we
will provide you with electronic or written notice within thirty (30) days
after the change. As always, you may choose to accept or decline change by
continuing or discontinuing the accounts or Services to which these changes
relate. We also reserve the option, at our discretion, to waive, reduce or
reverse charges or fees in individual situations. Changes to fees applicable
to specific accounts are governed by the applicable Schedule of Fees and
Charges.
OTHER GENERAL TERMS
The Bank reserves the right to terminate this Agreement and your access to
Internet Banking Services and Bill Payment in whole or in part, at any time,
without prior notice. Reasons may include, but are not limited to,
insufficient funds in any of your accounts, inactivity, failure to make timely
payment of fees, or marital separation or divorce involving joint account
holders. The Bank may assign this Agreement to its parent corporation or to
any now existing or future direct or indirect subsidiary of its parent
corporation. We may also assign or delegate certain of its rights and
responsibilities under this Agreement to independent contractors or other
third parties. The first time you access Internet Banking you are confirming
your agreement to be bound by all of the terms and conditions of this Internet
Banking Service Agreement and you thereby acknowledge your receipt and
understanding of this disclosure.
Copyright 2004, Oregn Pacific Bank, Member FDIC
