TERMS AND CONDITIONS OF USE

This website ("Site") is owned and operated by Idaho Agricultural Credit Association and its wholly owned subsidiaries, Idaho AgCredit, FLCA and Idaho AgCredit, PCA, (collectively "Idaho AgCredit"). Please feel free to browse the Site; however, your access and use of the Site is subject to the following terms and conditions of use (referred to herein as "Terms and Conditions of Use"), the Privacy Statement described elsewhere on this Site, and all other applicable terms, conditions, policies and laws. By accessing and browsing the Site, you accept, without limitation or qualification, the Terms and Conditions of Use, the Privacy Statement and all other terms, conditions or policies described on this Site.

Links to Third-Party Sites
Links may appear on this Site that may be used to link to other site(s). These links are provided solely as a courtesy to our Site visitors. Idaho AgCredit does not control or monitor the linked sites. Idaho AgCredit also does not endorse, warrant or guarantee in any way (in terms of accuracy, reliability, completeness, usefulness, quality, availability, appropriateness or otherwise) any materials, information, goods, views expressed or services available through such linked sites or any privacy or other practices or aspects of such sites.

Idaho AgCredit reserves the right to terminate any link at any time. Also, you should be aware that these linked Sites may send their own "cookies" to you, collect data on you, or solicit information from you. Whenever you access a site or download information from a site, it is possible that a computer "virus" could infect your computer or other property. Idaho AgCredit cannot be held liable for viruses or other damages to your computer equipment or other property as a result of your use of our Site, or any site linked to our Site. Any person using or accessing a linked site should review the privacy and security policies of these sites before providing them with any confidential or other information.

If you decide to access any of the linked sites, you do so entirely at your own risk. In no event can Idaho AgCredit be liable for any direct, indirect, consequential or any other damages or losses arising out of or related to your access to or use of these linked sites, including without limitation damages or losses arising out of or related to: a) your use or your reliance on any content, goods, views expressed or services available on or through these linked sites, b) viruses obtained, c) the disclosure or use of confidential or other information or d) the inability to use the provided services or information of linked sites.

Copyright Notice and Restrictions on Use of Materials
The entire contents located on the site are the copyrighted materials of Idaho AgCredit. The information and materials from this site may be copied in their entirety for the individual user's personal use, provided user does not modify or alter the materials in any way, nor delete or change the copyright notice as it appears on the bottom of each page. The information and materials may not otherwise be copied, distributed, downloaded, modified, re-posted, reproduced, reused or otherwise used except as provided herein without Idaho AgCredit's prior written consent. Idaho AgCredit reserves complete title and full intellectual property rights for information and materials downloaded from this Site.

Bulletin Boards
This Site may include bulletin boards, classified ads and help wanted listings, chat rooms and other pages (collectively "Bulletin Boards") which allows feedback to Idaho AgCredit and real time interaction between users.

Idaho AgCredit does not control the messages, information or files delivered to the Bulletin Boards, and Idaho AgCredit has no obligation to monitor such Bulletin Boards. However, Idaho AgCredit reserves the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, that in Idaho AgCredit's sole discretion are objectionable or in violation of these Terms and Conditions of Use.

• It is a condition of your use of the Bulletin Boards and this Site that you do not:
  post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation, any transmission constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state or federal law;
• post or transmit any information, software or other material which violates or infringes upon the rights of others, including material which is an invasion of privacy or publicity rights, or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder;
• post or transmit any information, software or other material which contains a virus or other harmful component.

Online Banking
"Online Banking" refers to the use of services provided by a third party with whom Idaho AgCredit has contracted to provide its customers electronic access to accounts. By using Online Banking, you are confirming you have read and agree to be bound by the terms of service required by the Online Banking Agreement as they now exist or may be modified in the future with notice provided either on this Site or on the Online Banking website.

Idaho AgCredit endeavors to provide you with the highest quality Online Banking available. However, due to the unpredictable nature of the Internet, occasional inaccessibility to the Online Banking website should be expected. Additionally, Idaho AgCredit cannot and does not guarantee the completeness or accuracy of the information provided therein. Online bill payment is an optional service provided for your convenience. The actual payment of such bills is handled by an independent third party, and we cannot and will not guarantee or be held responsible for the completion and accuracy of such transactions.

Idaho AgCredit reminds you that the Internet lacks inherent security for commercial transactions and therefore we cannot and do not guarantee that downloads from the Online Banking site will not contain a virus or other destructive device. Additionally, you provide, request and receive information from the Online Banking site with the knowledge that such information can be intercepted and/or viewed by unknown third parties. Please contact us at Idaho AgCredit's Office with any questions you may have regarding the above information and disclaimers.

The Internet Banking System is a trademark of S1 Corporation. All other brand and product names are trademarks or registered trademarks of their respective owners. Features and services availability are subject to change without notice.

LIMITATION OF LIABILITY/DISCLAIMER
BY ESTABLISHING YOUR ONLINE ACCOUNT AND USING ONLINE BANKING, YOU AGREE THAT IDAHO AGCREDIT SHALL NOT BE RESPONSIBLE FOR ANY LIABILITY, CLAIM, LOSS, EXPENSE, COSTS, OR DAMAGES, INCLUDING PROPERTY DAMAGE OR BODILY INJURY ARISING FROM OR IN CONNECTION WITH THE USE OF ONLINE BANKING, REGARDLESS OF CAUSE. IDAHO AGCREDIT WILL NOT BE RESPONSIBLE FOR ACCESS FAILURES OR ERRORS DUE TO ANY CIRCUMSTANCES BEYOND ITS CONTROL. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, NEITHER IDAHO AGCREDIT NOR ITS PAST, PRESENT OR FUTURE OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS, (COLLECTIVELY "IDAHO AGCREDIT") NOR ANY OTHER PERSONS, INCLUDING THOSE INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SITE ("OTHER PERSONS"), ARE LIABLE FOR LOST PROFITS OR FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR ECONOMIC DAMAGES OF ANY KIND WHATSOEVER INCLUDING WITHOUT LIMITING ANY LOST DATA, LOST BUSINESS OPPORTUNITIES, LOST PROFITS, LOST SAVINGS OR ANY OTHER DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THE SITE OR ARISING FROM ANY COMPUTER VIRUS, SYSTEM OR NETWORK FAILURE OR INTERNET FAILURE, AND REGARDLESS OF WHETHER IDAHO AGCREDIT HAS BEEN ADVISED OF THE POSIBILITY OF SUCH DAMAGES, UNDER ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE SITE, OR THE INFROMATION OR SERVICES PROVIDED HERE, OR THE INABILITY TO USE THE INFORMATION OR MATERIALS PROVIDED HERE. WITHOUT LIMITING THE FOREGOING, EVERYTHING ON THIS SITE IS PROVIDED TO YOU "AS IS", "AS AVAILABLE"; AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE INFORMATION HEREIN MAY CONTAIN ERRORS, PROBLEMS OR OTHER LIMITATIONS. IDAHO AGCREDIT AND ALL OTHER PERSONS ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT CONTAINED ON THIS SITE. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT IDAHO AGCREDIT AND ALL OTHER PERSONS ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IDAHO AGCREDIT AND ALL OTHER PERSONS ALSO ASSUME 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 IN THE SITE OR YOUR DOWNLOADING OF ANY MATERIALS FROM THE SITE.

Other
The Terms and Conditions of Use shall be governed by and construed in accordance with the laws of the State of Idaho, without giving effect to any principles of conflicts of law.

If any provision of the Terms and Conditions of Use shall be unlawful, void, or for any reason unenforceable, then the provision shall be deemed severable from this agreement and shall not affect the validity or enforceability of any remaining provisions.

Idaho AgCredit may at any time revise the Terms and Conditions of Use, the Privacy Statement or any other page on this Site by updating the posting. You are bound by any such revisions and should therefore periodically visit this page and other pages on this Site to review the then current Terms and Conditions of Use, Privacy Statement and other terms and conditions or policies to which you are bound.

Use of this site signifies your agreement to the Terms and Conditions of Use and Privacy Statement. Idaho AgCredit is comprised of equal housing lenders and equal credit opportunity lenders.

Last modified: 05.15.2009

© 2000-2009 Idaho Agricultural Credit Association. All rights reserved.