1. You should assume that everything you see or read on the Site is copyrighted unless otherwise noted and may not be used except as provided in these Terms and Conditions or as provided in the text on the Site without the written permission of Greater Community Bank. Greater Community Bank neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with Greater Community Bank.

2. While Greater Community Bank uses reasonable efforts to include accurate and up-to-date information on the Site, Greater Community Bank makes no warranties or representations as to its accuracy. Greater Community Bank assumes no liability or responsibility for any errors or omissions in the content on the Site. The Site could include technical inaccuracies or typographical errors. Changes may be made any time to the information herein without prior notice.

3. Your use and browsing of the Site is at your risk. Neither Greater Community Bank nor any other party involved in creating, producing or delivering the Site is liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to, or use of, the Site. Descriptions of, or references to, products, services or publications on the Site of third parties does not imply endorsement or approval of that product, service or publication. Without limiting the foregoing, everything on the Site is provided to you 'AS IS' WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties. Greater Community Bank also assumes no responsibility, and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing on the Site or your downloading of any materials, data, text images, video or audio from the Site.

4. Any communication or material you transmit to the Site by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as, non-confidential and non-proprietary. Anything you transmit or post may be used by Greater Community Bank or its affiliates for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, Greater Community Bank is free to use any ideas, concepts, know-how or techniques contained in any communication you send to the Site for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products using such information.

5. Images of people or places displayed on the Site are either the property of, or used with permission by, Greater Community Bank. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by these Terms and Conditions or specific permission provided elsewhere on the Site. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

6. The trademarks, logos and service marks (collectively the 'Trademarks') displayed on the Site are registered and unregistered Trademarks of Greater Community Bank and others. Nothing contained on the Site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of Greater Community Bank or such third party that may own the Trademarks displayed on the Site. Your misuse of the Trademarks displayed on the Site or any other content on the Site, except as provided in these Terms and Conditions, is strictly prohibited. You are also advised that Greater Community Bank will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

7. Third Party Trademarks: All product names, company names and trademarks mentioned on the site remain the property of their respective owners. Microsoft®, Windows®, Money®, and/or other Microsoft products referenced herein are either trademarks or registered trademarks of Microsoft Corporation in the United States and/or other countries, Acrobat® and Acrobat® Reader® are trademarks, service marks, or trade names of Adobe Systems Incorporated. VeriSign® and the VeriSign logo are trademarks, service marks, or trade names of VeriSign. Quicken® is a trademark of Intuit, Inc.

8. Greater Community Bank has not reviewed all of the sites linked to the Site and is not responsible for the contents of any off-site pages or any other sites linked to the Site. Your linking to any other off-site pages or other sites is at your own risk.

9. Although Greater Community Bank may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards and the like on the Site, Greater Community Bank is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information contained within such locations on the Site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. Greater Community Bank will fully cooperate with any law enforcement authorities or court order requesting or directing Greater Community Bank to disclose the identity of anyone posting any such information or materials.

10. Information on the Site is not intended to provide legal, accounting or tax advice and should not be relied on for such purposes.

11. Please be advised that the Internet is not a secure medium and privacy cannot be ensured. Neither Greater Community Bank nor its affiliates will be responsible for any damages you may suffer if you transmit confidential or sensitive information to us. Messages sent by e-mail may be intercepted by third parties and may not be immediately received by the appropriate business unit at Greater Community Bank. Please do not use e-mail to send us communications which contain confidential information, which we require to be in writing, or which needs our immediate attention. Please call 1-973-942-1111 or write us instead at this address: Greater Community Bank, 55 Union Blvd., P.O. Box 269, Totowa, New Jersey 07511-0269, Attention: Electronic Commerce Department.

12. Unless otherwise specified the materials in the Site are presented solely for the purpose of promoting financial products and services in those states in which they are identified within the Site as being available. This Site is controlled and operated by Greater Community Bank from its offices within the State of New Jersey, United States of America. Greater Community Bank makes no representation that materials in the Site are appropriate or available for use in other locations. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. Software from this Site is further subject to United States export controls. No software from this Site may be downloaded or otherwise exported or reexported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria or any other country to which the U.S. has embargoed goods; or (ii) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. By downloading or using the software, you represent and warrant that you are not located in, or under the control of, or a national or resident of any such country or on any such list.

Materials in this Site are governed by and shall be construed in accordance with the domestic laws of the State of New Jersey without regard to conflicts of laws principles, that is, in accordance with the laws of that state applicable to agreements made and to be performed entirely within that state. Subject to any applicable agreements between Greater Community Bank and its customers requiring arbitration, in the event of any dispute relating to any of the Greater Community Bank products or services referred to in the Site, venue shall be in a court of competent jurisdiction in the State of New Jersey.

13. Greater Community Bank may at any time revise these Terms and Conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms and Conditions to which you are bound.