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BLACKHAWK BANK & TRUST WEB SITE - Terms & Conditions of Usage

Please read the following Terms & Conditions carefully since they will govern your use of this web site (hereinafter "web site") of Blackhawk Bank & Trust (hereinafter "BHB&T"). By accessing this web site and any of the pages herein, you agree to be bound by the Terms & Conditions below, as they may be modified by BHB&T from time to time. If you do not agree to the Terms & Conditions below, please do not access this web site or any of the pages herein.

ACCESS TO AND FROM WEB SITE
Transmissions and communications to and from this web site, even if performed with the use of a secure Internet browser, may be read or intercepted by third parties. Each user of this web site agrees that BHB&T will not be held liable should such interception occur. Furthermore, all information submitted to BHB&T via this web site shall be and remain the property of BHB&T and BHB&T shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in any information a user to this web site provides.

USE OF WEB CONTENTS
All information, documents and materials posted in this web site are solely for the internal use of web site users and may not be resold, republished or copied (for other than internal use), without the prior written consent of BHB&T. In addition, all information, documents and materials posted in this web site are subject to change without prior notice. All products and services described in this web site are subject to the terms of our written disclosures of account terms and conditions. A particular web site user's eligibility for particular products and services is subject to final BHB&T approval. In the future should BHB&T decide to offer investment products, please note that investment products will not be obligations of or guaranteed by BHB&T or by any BHB&T affiliate. In addition, investment services are not bank deposits insured by the Federal Deposit Insurance Corporation (FDIC) or any other entity, and are subject to investment risks, including possible loss of the principal amount invested. As well, please note that safe deposit box contents are not covered by FDIC Insurance.

LINKS TO OTHER WEB SITES
BHB&T may choose to establish links between this web site and other web sites owned and operated by unaffiliated third parties. BHB&T has no control over any other web site or the contents displayed therein. The existence of any such link shall not constitute an endorsement by BHB&T of such web site or the contents displayed or operators thereof. The access by any user to any hyperlinks to other Internet resources are at the user's own risk and the content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by BHB&T.

NO WARRANTIES - LIMITATION OF LIABILITY
THIS WEB SITE AND THE CONTENT CONTAINED HEREIN IS PROVIDED "AS IS", AND NEITHER BHB&T, NOR ANY OF ITS AFFILIATES, LICENSORS, EMPLOYEES, AGENTS OR THE LIKE MAKES ANY EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES REGARDING THE USABILITY, CONDITION OR OPERATION THEREOF. No oral advice or written information provided to any user of this web site by BHB&T or any of its affiliates, licensors, employees, agents or the like shall create any warranty. Neither BHB&T nor any of its affiliates, licensors, employees, agents or the like warrants that access to, or use of, this web site will be uninterrupted, virus free or error-free, or that this web site (including, without limitation, any content on this web site) will meet any particular criteria of performance or quality.

BHB&T, ON BEHALF OF ITSELF AND ALL OF ITS AFFILIATES, LICENSORS, EMPLOYEES, AGENTS AND THE LIKE, HEREBY EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND/OR REPRESENTATIONS, WHETHER EXPRESS OR IMPLIED, ORAL OR WRITTEN, INCLUDING, WITHOUT LIMITATION, ANY AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, REASONABLE CARE, COMPATIBILITY, SECURITY, RELIABILITY, ACCURACY AND/OR FITNESS FOR A PARTICULAR PURPOSE (WHETHER OR NOT BHB&T KNOWS, HAS REASON TO KNOW, HAS BEEN ADVISED, OR IS OTHERWISE IN FACT AWARE OF ANY SUCH PURPOSE), IN EACH INSTANCE IN RESPECT OF THIS WEB SITE AND THE CONTENT CONTAINED HEREIN. FURTHERMORE, BHB&T, ON BEHALF OF ITSELF AND ALL OF ITS AFFILIATES, LICENSORS, EMPLOYEES, AGENTS AND THE LIKE, HEREBY EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES OF TITLE AND/OR NON-INFRINGEMENT IN REPSECT OF THIS WEB SITE AND THE CONTENT CONTAINED HEREIN.

In no event, whatsoever, will BHB&T and all of its affiliates, licensors, employees, agents and the like, be liable for any damages, including without limitation, direct or indirect, special, incidental, punitive, or consequential damages, losses or expenses arising in connection with this web site or use thereof of the 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 of system failure, even if BHB&T, or representatives thereof, are advised of the possibility of such damages, losses or expenses. The provisions of this No Warranties - Limitations of Liability section represent a reasonable allocation of the risks under these Terms & Conditions. The willingness of BHB&T to allow any user to use this Web Site reflects this allocation of risk and the limitations of liability specified herein.

INDEMNITY
Each user of this web site agrees to indemnify and hold BHB&T, its affiliates, licensors, employees, agents and the like harmless from and against all claims and expenses, including attorneys' fees, arising out of the use of this web site and the content contained herein, by any user of this web site.

TRADEMARKS AND COPYRIGHTS
BHB&T is a registered trademark. BHB&T and its affiliates may also claim trademark rights in other marks contained in this web site. Copyrights in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, are owned by BHB&T unless otherwise indicated.

MISCELLANEOUS
Whenever possible, each provision of these Terms & Conditions shall be interpreted in such a manner as to be effective and valid under applicable law, but if any provision of these Terms & Conditions shall be prohibited by or invalid under applicable law, such provision shall be ineffective to the extent of such prohibition or invalidity, without invalidating the remainder of such provision and for the remaining provisions of these Terms & Conditions. No waiver by BHB&T of any term or condition described herein shall operate as a wavier of any other term or condition described herein. These Terms & Conditions are governed by the laws of the State of Illinois, U.S.A. without regard to its choice of law provisions. ALL ACTIONS OR PROCEEDINGS IN ANY WAY, MANNER OR RESPECT ARISING OUT OF OR FROM OR RELATED TO THIS WEB SITE SHALL BE LITIGATED ONLY IN COURTS HAVING SITUS WITHIN THE COUNTY OF ROCK ISLAND, STATE OF ILLINOIS. BHB&T AND EACH USER OF THIS WEB SITE CONSENT AND SUBMIT TO THE JURISDICTION OF ANY LOCAL, STATE OR FEDERAL COURT LOCATED WITHIN SAID COUNTY AND STATE AND WAIVE ANY RIGHT THEY MAY HAVE TO TRANSFER OR CHANGE THE VENUE OF ANY LITIGATION BROUGHT IN ACCORDANCE WITH THIS PROVISION. BHB&T AND ANY USER OF THIS WEB SITE IRREVOCABLY WAIVE THE RIGHT TO TRIAL BY JURY WITH RESPECT TO ANY ACTION IN WHICH BHB&T AND ANY USER OF THIS WEB SITE ARE PARTIES. Use of any of this web site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms & Conditions including, without limitation, this provision.

TERMINATION
BHB&T may terminate these Terms & Conditions at any time. Without limiting the generality of the foregoing, BHB&T shall have the right to immediately terminate access by the users of/to this web site in the event of any conduct by the users of this web site which BHB&T, in its sole discretion, considers to be unacceptable, or in the event of any breach by the users of this Web Site of these Terms & Conditions. The provisions entitled, "NO WARRANTIES, LIMITATION OF LIABILITY and INDEMNITY" shall survive the termination of these Terms & Conditions.




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