IMPORTANT NOTICE:
Please read these terms and conditions carefully. They are intended to constitute a binding agreement that conditions your use of this Web site. By accessing and using this Web site, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this Web site. If after reading these terms and conditions you remain at this Web site, or return thereafter, you agree to be bound by this agreement.

LICENSE PERMISSION AND USE RESTRICTIONS:
This site is intended for use by members of VBSFCU located within the United States of America ("you") as an information resource for VBSFCU ("we"). If you are not located within the United States, you do not have permission to use this Web site and may not continue to access this Web site. You are granted a nonexclusive, revocable license to copy or print one unaltered permanent copy of site materials for your personal use—noncommercial use only. No permission is given to print, copy, reproduce, distribute, publicly display, perform, publish, transmit, upload, download, store, license, create derivative works from, alter, or modify materials, transfer, or sell anything obtained from this site. You agree that you will not use (or allow others to use) the site or any information contained on it for any wrongful, unauthorized, or unlawful purposes. You also agree to indemnify and hold us and our affiliates harmless from and against any loss, damage, or expense (including but not limited to attorney's fees) incurred because of any such use.

DISCLAIMER OF WARRANTIES:
Information available on this site is produced by us or is acquired from third-party sources believed by us to be accurate and reliable as of the date we post. The information and materials contained as part of this Web site are provided on an "as is" and "as available" basis, without any warranties whatsoever about the nature or content (either when posted or as a result of the passage of time) of any material at this Web site, and without any representations or guarantees. All express and implied warranties are expressly excluded and disclaimed, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. VBSFCU does not warrant the accuracy, adequacy, or completeness of this information and materials, and it expressly disclaims liability for errors or omissions in this information and materials. In addition, VBSFCU makes no representations, warranties, or guarantees that this Web site will be secure, accessible continuously, and without interruption, or error free. To the extent that you might otherwise believe that any warranties, guarantees, or representations have been made to you, you hereby agree that such statements, whether made orally or in writing, are to be construed as merely nonbinding expressions of policy rather than affirmative representations, obligations, guarantees, or warranties. In the event of any conflict between this section and other terms and provisions of this agreement, this section shall be construed to take precedence.

LIMITATION OF LIABILITY:
In order to provide you with this service, VBSFCU is unable to accept liability for any conduct, acts, or omissions at this Web site or any losses you may incur. In no event shall VBSFCU be liable for any damages (including without limitation any direct, indirect, special, incidental, or consequential damages), losses or expenses that arise in connection with the Web site, the use of the Web site, or the inability of anyone to use the Web site, or for any claims by any third parties. VBSFCU shall also not be liable for any damages, losses, or expenses that arise in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, or computer or system failure. VBSFCU shall not be liable for such damages, losses, or expenses even though it or its representatives are advised of the possibility of such damages, losses, or expenses.

VIOLATIONS/INDEMNIFICATION:
Your access privileges are conditioned on your adherence to the terms discussed here. If you violate any of the terms of this agreement, you agree that VBSFCU may deny you access to the Web site. You further agree, at your own expense, to defend and indemnify VBSFCU and hold VBSFCU harmless against all claims arising in any manner whatsoever which may be asserted against VBSFCU, and all losses arising on any manner whatsoever and incurred as a result of any violations of this agreement. If asked to do so, you agree that you will not attempt to access this Web site.

HYPERLINKS:
VBSFCU provides hyperlinks as a convenience to you and has no control over the content posted at these Web sites, nor does VBSFCU make any representation as to the content of these Web sites. Hyperlinks to other internet resources are to be used by you at your own risk. The content, accuracy, opinions expressed, and other links provided by these resources may not be investigated, verified, or monitored by VBSFCU, and such links are not endorsed by VBSFCU unless otherwise specifically stated. If you believe that VBSFCU has provided a hyperlink to a site that contains infringing or illegal content or which makes available cracker tools or other circumvention devices, we ask you to notify VBSFCU so that we may evaluate whether (in VBSFCU'S sole discretion) to disable it.

PRODUCTS AND SERVICES:
This Web site and the products and services that are described or offered through the Web site can be amended in whole or in part or terminated at any time. Users of the Web site shall have no right to expect the continuation of any part of the Web site nor any products and services that are described or offered through the Web site. Some products and services may not be available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by VBSFCU.

SUBMISSIONS:
All information submitted to you via this Web site may be used by VBSFCU in any manner that complies with applicable laws and regulations, and the policies of VBSFCU.

LIMITED LICENSE:
Original material that VBSFCU posts on this Web site is protected by intellectual property laws. You are hereby granted a non-exclusive license to use this Web site. You are also granted a limited license to print a copy of content posted at this Web site, but only for your personal use. Except as expressly provided herein, all rights are reserved. Among other things, except to the extent required for the limited purpose of reviewing material on VBSFCU's Web site, electronic reproduction, adaptation, distribution, performance, or display is prohibited. Commercial use of any of the content of this Web site is strictly prohibited. You may not display this Web site in frames (or any of the content via links) without VBSFCUs express written permission.

COPYRIGHT:
VBSFCU or a third-party vendor owns the copyright to the pages and the screens displaying the pages that appear on the Web site.

TRADEMARKS AND SERVICEMARKS:
VBSFCU or a third-party vendor owns the trademark and service mark rights in marks contained in the Web site pages.

GOOD SAMARITAN, THIRD-PARTY CONTENT POLICY:
It is the policy of VBSFCU not to tolerate any acts of intellectual property infringement or violations of U.S. law or to allow any child pornography or obscene or defamatory material to be posted at this Web site. VBSFCU will do its best, in good faith, to remove, disable, or restrict access to or the availability of material that, in its subjective view, is infringing, racist, obscene, obscene as to minors, child pornography, lewd, lascivious, filthy, excessively violent, harassing, or otherwise objectionable. The provisions of this section are intended to implement this policy but are not intended to impose a contractual obligation on VBSFCU to undertake, or refrain from undertaking, any particular course of conduct.

UNSOLICITED E-MAIL, SPAMMING, AND SPOOFING:
You may not use this Web site to transmit unsolicited e-mail. You may not send unsolicited e-mail to this Web site or to anyone whose e-mail address includes the domain name used on this Web site. You may not use VBSFCU's domain name as a pseudonymous return e-mail address for any communications which you transmit from another location or through another service. You may not pretend to be someone else or spoof another's identity when using this Web site.

NO WAIVER:
No waiver of any of the foregoing terms and conditions shall be effective unless it is in writing and signed by an authorized officer of VBSFCU, and no waiver shall be deemed to imply or constitute a continuing waiver or a waiver of any other term or condition.

JURISDICTION AND GOVERNING LAW:
You will be deemed to have agreed to the exclusive jurisdiction of the State and Federal courts of the Commonwealth of Virginia, USA, for resolution of any dispute you have relating to the goods or services offered or promoted herein, or to this agreement. The laws of the Commonwealth of Virginiaa (excluding its conflict of laws rules) will be applied to any dispute, regardless of where it is heard, and these terms and conditions are governed by the laws of the Commonwealth (excluding its conflict of laws rules).

CONSTRUCTION:
If any portion of this agreement is ruled invalid or otherwise unenforceable, it shall be deemed amended in order to achieve as closely as possible the same effect as originally drafted. Any invalid or unenforceable portion shall be construed as narrowly as possible in order to give effect to as much of the agreement as possible.