Acknowledgment

FNB Bank, Inc. (the “Bank”) requires that all persons visiting its site (“the Site”) on the Internet adhere to the following terms and conditions. By using the Site, you agree to abide by these terms of use.

Copyright and Trademark

The Bank or others own the information and materials on this Site, including but not limited to all design, text, sound recordings and images, as indicated. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed, licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without the Bank’s prior written consent. Some featured words or symbols used to identify the source of goods and services, are the trademarks of their respective owners.

No Warranties

All information, materials and services contained in this Site, including graphics, links, and any other items are provided “as is”, “as available” to the user without express or implied warranties of any kind. Any dated information on this Site is “as of” its date only. We make no warranties or representations as to the accuracy of the information, dated or otherwise, and we expressly disclaim any and all liability for errors or omissions in this information and materials. The Bank provides links to other web sites for convenience and informational purposes only. Users should be aware that when they select a link on the Bank’s Site to an external web site, they are leaving the Bank’s Site. Linked sites are not under the control of the Bank, and the Bank is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. The inclusion of a link does not imply endorsement by the Bank of the site, its content, advertisers or sponsors. These Terms do not apply to any other websites. The Bank does not make any warranties regarding the results of the use of the materials on this Site or on any third-party website, or that the functions contained on this Site or on any third-party website will be uninterrupted or error-free, that defects will be corrected, or that this Site or the server which makes it available, or any third-party website, are free of viruses or other harmful components.

Communications

The Bank will make reasonable efforts to keep any communication or material you transmit to us via the Site or Internet electronic mail confidential, except as required by law or otherwise specifically agreed. However, there are certain risk inherent with transmissions of information over the Internet, thus the Bank cannot guarantee the security of the information submitted via the Internet. All communication or material submitted to the Bank will be the property of the Bank.

Limitations/Limited Liability

None of the information on the Bank’s website may be used, distributed, or reproduced for commercial purposes without our prior express written permission. No third party is authorized to solicit the Bank’s products or services without the Bank’s prior express written permission. There are various restrictions, limitations, and costs associated with the Bank’s products and services, which are disclosed in the applicable customer agreements and continue to apply regardless of any information provided in our website. Not all products and services described are available in all geographic areas.

IN NO EVENT SHALL WE OR ANY OF OUR VENDORS BE LIABLE FOR ANY DAMAGES, INCLUDING ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, DIRECT OR INDIRECT DAMAGES, LOSSES, OR EXPENSES ARISING IN CONNECTION WITH THIS WEBSITE, MOBILE APPLICATION, OR ANY LINKED WEBSITE, OR USE THEREOF OR INABILITY TO USE, BY ANY PARTY OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF WE, OR OUR REPRESENTATIVE THEREOF, IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES, EXCEPT AS LIMITED BY APPLICABLE LAW.

Governing Law

This agreement shall be governed by and construed in accordance with the laws of Kentucky and any applicable federal United States laws. This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Additional Terms

Some pages or services on the website may contain or have separate terms and conditions, which are in addition to these Terms of Use. In the event of a conflict, the additional terms and conditions will govern for those pages or services.