SITE USER AGREEMENT

For www.kanzabank.com

KANZA Bank requires that all visitors (Users) to its website (Site) adhere to the following rules and regulations. By accessing the Site, User acknowledges and accepts these terms and conditions. KANZA Bank may modify or supplement this User Agreement by publishing amendments on the Site and may discontinue or revise any or all other aspects of the Site in its sole discretion and without prior notice to User.

Ownership of Site

All information, including text and graphics, contained in the Site is subject to a copyright by KANZA Bank. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of KANZA Bank.

KANZA Bank Products and Services Offered on the Site

Various financial and investment products and services may be discussed, described, explained or recommended through the Site. Not all products or services will be applicable, usable or appropriate for all Users. Every User may not be eligible or qualify for all products or services. KANZA Bank reserves the right to determine a User's eligibility or qualification for any product or service subject only to federal or state law.

In addition to the terms and conditions of this User Agreement, specific KANZA Bank products or services may be subject to certain other disclosures and agreements.

Information Offered on Site

Any discussion, description, explanation or recommendation provided through the Site is general in nature and is not intended to be, and should not be construed as, legal or tax advice. User should consult their attorney or tax advisor.

Banking Products and Services

Deposit and loan products and services which are discussed, described, explained or recommended are made available through KANZA Bank, member FDIC and Equal Opportunity Lender. Discussion, description, explanation or recommendation of a particular product or service does not guarantee the availability of this product or service and, if a lending product or service, does not guarantee the availability of the particular loan product or service, or constitute an offer to make a loan.

Securities and insurance products are not bank deposits and are not guaranteed or insured by the FDIC or any other entity and are subject to investment risks, including possible loss of the principal amount invested.

General Disclaimer of Warranties and of Liability

KANZA Bank does not represent or endorse the accuracy, adequacy, reliability or completeness of any information, content or advertisements contained on, distributed through, or linked, downloaded or accessed from the Site, nor the quality of any other products, information or other materials displayed, purchased, or obtained by User as a result of any advertisement or any information or offer in or in connection with the Site. User agrees that all access and use of the Site and its contents is at User's own risk. By using the Site, User acknowledges that KANZA Bank specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with User's access to or use of the Site (even if we have been advised of the possibility of such damages), including liability associated with any computer virus, malicious code or other defect which may infect a User's computer equipment. Except as restricted by applicable law, or express agreement, KANZA Bank is not liable for any direct, indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with the Site or any interruption, delay in its operation, computer virus, malicious code or other defect, loss of data, or otherwise.

The Site is distributed on an “as is” basis without warranties of any kind, either express or implied, including, but not limited to, warranties of title or implied warranties or merchantability, freedom from viruses or other harmful code or fitness for particular purpose of otherwise, other than those warranties of specific KANZA bank products or services to which KANZA Bank has expressly agreed.

Disclaimers Relating To Products and Services of Third Parties

KANZA Bank may provide hypertext links or icons for User convenience and does not endorse or accept responsibility for any such web site. KANZA Bank makes no representations about any web site User may access through its Site. Any third party web site linked to this Site is independent from KANZA Bank and KANZA Bank has no control over the products, services or information contained in or available through these third party web sites. The quality and dependability of these third party web sites may vary as they are updated or altered, and KANZA Bank does not accept responsibility for monitoring or testing the quality or dependability of such third party sites. Access to any third party web sites linked to this Site is at the User's own risk. KANZA Bank shall not be considered an agent of any third party and KANZA Bank shall have no responsibilities nor liabilities to any User regarding any action, omission, or warranty of any kind concerning any third party, its products, services or information. By providing hypertext links, icons, marks or other information of a third party, or by advertising on the web pages of a third party, KANZA Bank does not endorse, and shall have no obligation or liability concerning, such third party's delivery, or non-delivery of its respective goods, services or information, or the accuracy, adequacy, reliability, completeness or timeliness of such goods, services or information. With regard to services or products purchased, obtained or delivered by or to the User by a third party provider, KANZA Bank makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such service and products and KANZA Bank specifically disclaims all other warranties with regard to said services and products.

Transmission of Information to Bank

Any communication or material User transmits to KANZA Bank via the Site becomes the property of KANZA Bank and may be used by KANZA Bank for any purpose. User may not transmit any obscene, libelous or defamatory messages to KANZA Bank.

Governing Law

The use of the Site is governed by the laws of the State of Kansas without regard to principles of conflicts of laws.

Termination of Service

KANZA Bank reserves the right to deny or terminate User's access to or use of the Site, or any service or product, in KANZA Bank's sole discretion, without notice and without limitation, including, but not limited to User's breach of any provision of this User Agreement or any additional agreement relating to a specific product or service, or discontinuance of KANZA Bank access to any product or service from any third party provider.