Copyrighs and Trademarks
Copyright, and all other proprietary rights, in the pages, graphics, design, text, sound recordings, and images of this Site, and in the screens presented to you, and in all material and information on this Site, is owned by U.S. Bancorp or its affiliates, subsidiaries or its supplies (collectively, "Bank") unless otherwise indicated. You may not modify, publish, transmit, create derivative works, or in any way exploit any of the content of the Site, in whole or in part. You may download copyrighted subject matter only for such use that is consistent with the terms and conditions of the Treasury Management Agreement. Any copying, redistribution, retransmission, publication, or commercial exploitation is prohibited except as otherwise expressly permitted under copyright law or by the express permission of Bank and then only with notices of Bank's proprietary rights. U.S. Bancorp, U.S. Bank and associated logos are registered trademarks and service marks of U.S. Bancorp Licensing, Inc.

Use of the Site
You may use the Site for lawful purposes only. You are responsible for obtaining and maintaining all telephone, computer hardware, and other equipment needed for access to and use of the Site and all charges related to that equipment. You understand that Bank has the right at any time to change or discontinue without notice any aspect, feature, or function of the Site, including, but not limited to, content, hours of availability, and equipment needed for access or use. Bank reserves the right to change these Terms of Use without notice. The products and services described on the Site are available only in the United States and other countries where permitted by law. Not all products and services offered through this Site will be available in all geographic areas. Your eligibility for particular products and services is subject to final Bank determination and acceptance.

Third Party Content and Links to Other Internet Sites
Bank is a distributor (and not a publisher) of certain content that is supplied by third parties through this Site. Accordingly, Bank has no more editorial control over that content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties are those of the respective authors or distributors and not of Bank. This Site may contain links to other Web sites operated by third parties. Bank provides these links as a service to users. The linked sites are not under the control of Bank or its affiliates or subsidiaries, and Bank is not responsible for the content, products, or services available on the third-party sites. The links do not imply Bank's endorsement or approval of material on any other site. Bank is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of the linked sites, or reference to or reliance on information contained therein. Third party sites may have privacy and information security policies that differ from Bank's. You should review the privacy and information security policies for any third party site that you have linked to, before providing the third party with confidential information.

Messages and Records
All messages, applications, mail, and information you transmit to Bank through the Site become and will remain the property of Bank. Bank may use, for any purpose, any ideas, concepts, know-how, techniques, data, and information you provide, and may disclose that information to others, subject to Bank's Online Privacy and Security Statement, applicable law, or your agreement with Bank. Please refer to our Online Privacy and Security Statement for an explanation on how we collect, maintain, and use confidential and proprietary information from visitors and users of our Web sites. By accessing, using, or browsing this Site, you acknowledge that you have read, understand, and agree to be bound by our Online Privacy and Security Statement. If you do not agree, you should not use this Site. All remarks, suggestions, graphics, or other information communicated to Bank through its Site (collectively, a "Submission") will be the property of Bank. You acknowledge that you are responsible for whatever you submit, and you have full responsibility for the data, message, including its legality, reliability, appropriateness, originality, and copyright. Bank may retain records of these submissions for as long as Bank considers appropriate, but Bank has no duty to maintain records of submissions other than as required by law.

Tools and Calculators
This Site contains financial tools and calculators. Bank provides these tools and calculators as a service to users, for educational purposes only. Bank does not guarantee the accuracy of the calculators or the results. Bank is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of the tools and calculators. Bank does not retain any information you enter into financial tools and calculators.

No Warranties
The Bank does not represent nor warrant the accuracy, adequacy, completeness, or timeliness of the information, materials, products, and services on the Site or the error-free use of the Site. This Site and all information, materials, products, and services provided through the Site are provided "As Is" and "As Available" without warranty of any kind, either express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose, non-infringement, and freedom from a computer virus.

Limitation of Liability
In no event will U.S. Bank or its subsidiaries, affiliates, contractors, or their respective employees be liable under any contract, tort, negligence, strict liability, or other claim for any direct, indirect, incidental, special, consequential, or exemplary damages, including, without limitation, damages for loss of profits, goodwill, use, data, or other intangible losses (even if advised of the possibility of such damages) whether caused by or resulting from (i) the use or the inability to use the Site, Site content, or any products or services, or any failure of performance, error, omission, interruption, effect, delay in operation or transmission, computer virus, line system failure, loss of data, theft or destruction or unauthorized access to, or alteration or use of records, or loss of use related to the Site or any Site operated by any third party, (ii) errors, inaccuracies, omissions, other defects in, untimeliness, or unauthenticity of information or content provided by, contained within, or obtained through the Site, or (iii) any other failure, action, or omission, and regardless of whether arising under breach of contract, tortious behavior, negligence, or under any other theory or cause of action.

Risk of Loss
In the event of a system failure or interruption, including but not limited to acts of god, your data may be lost or destroyed. Any transactions that you initiated, were in the process of completing, or completed before a system failure or interruption should be verified by you through means other than online to ensure the accuracy and completeness of those transactions. You assume the risk of loss of your data during any system failure or interruption and the responsibility to verify the accuracy and completeness of any transactions so affected.

Confidential Information
Any confidential information about your organization that is gathered in connection with the Site is governed by the Bank's Online Privacy and Security Statement.

These Terms of Use and any operating rules for the Site established by Bank constitute the entire agreement of the parties with respect to the use of the Site, except, if applicable, as modified by (i) the U.S. Bancorp Internet Banking Center Rules, (ii) the U.S. Bancorp Deposit Account Rules, (iii) the separate terms and conditions of any specific section of the U.S. Bancorp Site or (iv) the terms and conditions of any other agreement you may have with any U.S. Bancorp bank or affiliate regarding a product or service. These Terms of Use will be governed by all applicable Federal laws of the United States of America and the laws of the State of Minnesota (without regard to any choice of law provisions thereof).

U.S. Bank will not be deemed to have waived any of its rights or remedies under these Terms of Use unless a waiver is in writing signed by U.S. Bank. No delay or omission by U.S. Bank in exercising any rights or remedies will operate as a waiver of those rights or remedies or of any other rights or remedies. A waiver on one occasion will not be construed as a bar or waiver of any rights or remedies on future occasions.