THESE TERMS GOVERN THE USE OF THIS WEB SITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT ACCESS THE WEB SITE. BY ACCESSING THE WEB SITE OR ANY OF ITS PAGES, YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This web site has been established by Bank of Denver for the sole purpose of conveying information about the bank's products and services and to allow communication between Bank of Denver and its customers. Information that appears on this web site should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank's agreements and disclosures that govern its products and services. If any information conflicts with that in the bank's agreements and disclosures, the agreements and disclosures will control.

From time to time, Bank of Denver may place links to other web sites on this web site. Bank of Denver has no control over any other web site and is not responsible for the content of any site other than this one. Users assume all responsibility when they go to other sites via the links on this web site.

The materials contained in this web site are owned by Bank of Denver or by others, as applicable. No material may be copied, displayed, transmitted, distributed, sold, stored for use, downloaded or otherwise reproduced except as permitted by law.

Bank of Denver makes no warranties of any kind regarding the products and services advertised on this site. Bank of Denver will use reasonable efforts to ensure that all information displayed is accurate; however, Bank of Denver expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability and the ability to use the site without contracting a computer virus. Bank of Denver is not responsible for any loss, damage, expense or penalty (either in tort, contract or otherwise), including direct, indirect, consequential and incidental damages, that result from the access or use of this site except for the bank's liability for failure to complete payments or transfers, subject to the limitations of such liability, disclosed in the Bank of Denver Online Banking Agreement and Disclosure. This limitation includes, but is not limited to the omission of information, failure of equipment, delay or inability to receive or transmit information, delay or inability to print information, transmission of any computer virus, or transmission of any other malicious or disabling code of procedure. The limitation applies even if Bank of Denver has been informed of the possibility of such loss or damage.

The agreement may be changed from time to time by posting the new Terms of Use on the web site. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of the web site are governed by the laws of the State of Colorado.