Terms & Conditions
of Use for Blanco National Bank WEBSITE
Consumer Complaint
Notice
What
are the steps to take if you are the victim of Identity
Theft?
Notice of ATM/Night Deposit Facility User Precautions
Terms and Conditions of Use for Blanco National
Bank WEBSITE
www.blancobank.com
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE
USING THIS SITE. By using this website, you acknowledge and confirm
your consent to these terms and conditions of use. If you do
not agree to these terms and conditions of use, you must not
use this website.
This site contains material that is protected by applicable copyright
and trademark laws. All rights reserved. No material may be
copied, reproduced, republished, uploaded, downloaded, posted,
transmitted, or distributed in any way or decompiled, without
the express written consent of Blanco National Bank. Modification
of the materials in any way is strictly prohibited. Other product
and company names mentioned herein may be the trademarks of their
respective owners. Title to and all intellectual property rights
in the material on this site remain property of the bank.
Your use of this website is entirely at your own risk. Blanco
National Bank does not warrant that the content herein is accurate,
complete, current or free from errors. The information, software,
products, and services published on the site may include inaccuracies
or typographical errors and are provided “as is” without warranty
of any kind. Blanco National Bank and/or its suppliers may
make improvements and/or changes to this website at any time.
If you are dissatisfied with any of the products, services,
materials or information contained or identified on the website,
your sole and exclusive remedy with respect to Blanco National
Bank, its officers, directors, employees, authorized representatives,
subsidiaries, chapters, affiliates and assigns is to immediately
discontinue accessing and using the website.
This website contains links and pointers to
Internet websites maintained by third parties ("third party
sites"). Blanco National Bank has not reviewed all of the
third party websites that may be linked to this website nor has
Blanco National Bank used all of the products or services offered
by third parties on this or any other linked website. Blanco
National Bank, its officers, directors, employees, authorized
representatives, subsidiaries, chapters, affiliates and assigns
are not responsible or liable for the contents of or use of any
products or services offered on this or any other third party
website and make no representations or warranties of any kind
regarding the same.
The Bank will
not be liable under any circumstances for any damages or injury,
including but not limited to those caused by any failure of
performance, error, omission, interruption, defect, delay in
operation of transmission, computer virus or system failure. In
no event shall the Bank be liable for any special, indirect,
incidental, or consequential damages or any damages whatsoever,
including but not limited to loss of use, data, or profits
arising out of or relating to the use of this site or the copying
or display of information accessed through his site, whether
or not the Bank was advised of or aware of the possibility
of such damages. Without limiting the foregoing, the
Bank shall not be liable for any losses or damages incurred
as a result of any information or confidential information
submitted to it through this site or any page hereof or for
its transmission of information or confidential information
to any person(s) or entity(ies) as a result of a request for
such transmission reasonably believed by the Bank to have been
made by such person or entity.
Except as may
be required by applicable law, any information that you transmit
to us using this site or electronic mail will be subject to
our written privacy policy available elsewhere at this site
and through contact with the Bank. We may use such
information for any
purpose, consistent with the provisions of the privacy statement.
Unless otherwise specified herein, the materials
on the website are presented solely for promotion and use in
the United States, its territories, possessions and protectorates.
Blanco National Bank controls and operates this website from
San Antonio, Texas and makes no representations that the materials,
products, services, information, data and images on the website
are appropriate or available for use in other locations or jurisdictions.
Individuals or entities choosing to access this website from
other locations do so on their own initiative and are solely
responsible for compliance with all Federal, State, and Local
laws, if and to the extent these laws are applicable.
IN THE EVENT THAT YOU TRANSMIT, INTRODUCE, OR OTHERWISE CAUSE
ANY TECHNICAL DISRUPTION OF THIS Blanco National Bank WEBSITE
OR THE SERVICES TRANSMITTING THE Blanco National Bank WEBSITE
TO YOU, YOU AGREE TO BE RESPONSIBLE FOR ANY AND ALL LIABILITIES
AND COSTS (INCLUDING REASONABLE ATTORNEYS' FEES) ARISING FROM
ANY AND ALL CLAIMS BROUGHT BY THIRD PARTIES BASED UPON SUCH TECHNICAL
DISRUPTIONS. FOR PURPOSES OF THIS AGREEMENT, "TECHNICAL
DISRUPTION" MEANS DISTRIBUTION OF UNSOLICITED ADVERTISING
OR CHAIN LETTERS, PROPAGATION OF COMPUTER WORMS, VIRUSES OR OTHER
HARMFUL CODE, AND/OR USING THE WEBSITE TO MAKE UNAUTHORIZED ENTRY
TO ANY OTHER MACHINE ACCESSIBLE VIA THE WEBSITE. FURTHERMORE,
YOU ARE SOLELY RESPONSIBLE FOR THE CONTENT OF ANY TRANSMISSIONS
USING THE WEBSITE AND AGREE NOT TO UPLOAD, POST OR OTHERWISE
MAKE AVAILABLE ON THE WEBSITE ANY MATERIAL PROTECTED BY A PROPRIETARY
RIGHT OF A THIRD PARTY WITHOUT FIRST OBTAINING THE EXPRESS WRITTEN
PERMISSION OF THE OWNER OF SUCH PROPRIETARY RIGHT. YOU SHALL
BE SOLELY AND COMPLETELY LIABLE FOR ANY DAMAGES, LOSSES, COSTS
OR EXPENSES (INCLUDING REASONABLE ATTORNEYS' FEES) ARISING OUT
OF ANY CLAIM OF INFRINGEMENT OR VIOLATION OF PROPRIETARY RIGHTS
OR ANY OTHER HARM ARISING FROM THE UPLOADING, POSTING OR OTHER
SUBMISSION OF MATERIALS BY YOU.
These terms and conditions of use of the Blanco National Bank
website shall be governed by and construed in accordance with
the laws of the State of Texas, United States of America, without
giving effect to any principles of conflicts of law. If any provision
of this agreement regarding terms and conditions of use shall
be held unlawful, void, or for any reason unenforceable, then
that provision shall be deemed severable from this agreement
and shall not affect the validity and enforceability of any remaining
provisions. This is the entire agreement between the parties
relating to the subject matter herein and shall not be modified
except in writing, signed by authorized representatives of both
parties.
Consumer Complaint Notice
The Blanco National Bank operates under a
national bank charter and is subject to regulatory oversight
by the Office of the Comptroller of the Currency (OCC).
Since its founding more than 140 years ago,
the national banking system has combined a local presence with
a national perspective. Located in communities throughout the
country, national banks are also supervised locally, by examiners
who understand the people and the economies their banks serve.
Yet each national bank is part of a strong nationwide system,
administered by the Comptroller, who represents that system in
Congress, in the public arena, and in the courts.
Any customer wishing to file a complaint against
The Blanco National Bank should contact the Office of the Comptroller
of the Currency. Consumers may file complaints with the OCC
by contacting that office through one of the means indicated
below:
In Person or via U.S. Mail:
Office of the Comptroller
of the Currency
Customer Assistance Group
1301 McKinney Street,
Suite 3450
Houston, TX 77010-9050
Fax No.: 713-336-4301
E-mail: customer.assistance@occ.treas.gov
Website: www.helpwithmybank.gov/complaints/index.html
Telephone Number: 800-613-6743 (toll
free)
What
are the steps to take if you are the victim of Identity Theft?
- Place a fraud alert on your credit reports and review your
credit reports. Contact one of the three consumer reporting
companies below:
| Equifax: |
1-800-525-6285; www.equifax.com |
| |
P. O. Box 740241 |
| |
Atlanta, GA 30374-0241 |
| |
|
| Experian: |
1-888-397-3742; www.experian.com |
| |
P. O. Box 9532 |
| |
Allen, TX 75013 |
| |
|
| TransUnion: |
1-800-680-7289; www.transunion.com |
| |
Fraud Victim Assistance Division |
| |
P. O. Box 6790 |
| |
Fullerton, CA 92834-6790 |
- Close the accounts that you know, or believe,
have been tampered with or opened fraudulently. Call and speak
with someone in the security or fraud department of each company.
Follow up in writing, and include copies (not originals) of
supporting documents.
- File a complaint with the Federal Trade
Commission and complete their ID Theft Affidavit.
| Federal Trade Commission: |
1-877-438-4338 TTY: 1-866-653-4261 |
| Identity Theft Clearinghouse |
| Federal Trade Commission |
| 600 Pennsylvania Avenue, NW |
| Washington, DC 20580 |
- File a report with your local police or
the police in the community where the identity theft took place.
For more details regarding the above four
steps and other valuable information, go the following web sites:
www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html
www.consumer.gov/idtheft
www.fbi.gov/contact/fo/norfolk/1999/ident.htm
www.occ.treas.gov/idtheft
www.usdoj.gov/criminal/fraud/idtheft.html
Notice
of ATM/Night Deposit Facility User Precautions
As with all financial transactions, please exercise
discretion when using an ATM or night deposit facility. For your
own safety, be careful. The following suggestions may be helpful:
- Prepare for your transactions at home (for instance, by
filling out a deposit slip) to minimize your time at the
ATM or night deposit facility.
- Mark each transaction in your account record,
but not while at the ATM or night deposit facility. Always
save your ATM receipts. Don't leave them at the ATM or night
deposit facility ecause they may contain important account
information.
- Compare your records with the account satements
you receive.
- Don't lend your ATM card to anyone.
- Remember, do not leave your card at the ATM.
Do not leave any documents at a night deposit facility.
- Protect the secrecy of your Personal Identification
Number (PIN). Protect your ATM card as though it were cash.
Don't tell anyone your PIN. Don't give anyone information regarding
your ATM card or PIN over the telephone. Don't write your PIN
where it can be discovered. For example, don't keep a note
of your PIN in your wallet or purse.
- Prevent others from seeing you enter your
PIN by using your body to shield their view.
- If you lose your ATM card or if it is stolen,
promptly notify us. You should consult the other disclosures
you have received about electronic funds transfers for additional
information about what to do if your card is lost or stolen.
- When you make a transaction, be aware of
your surroundings. Look out for suspicous activity near the
ATM or night deposit facility, particularly if it is after
sunset. At night, be sure that the facility (including the
parking area and walkways) is well lighted. Consider having
someone accompany you when you use the facility, especially
after sunset. If you observe any problem, go to another ATM
or night deposit facility.
- Don't accept assistance from anyone you don't
know when using at ATM or night deposit facility.
- If you notice anything suspicious or if any
other problem arises after you have begun an ATM transaction,
you may want to cancel the transaction, pocket your card, and
leave. You might consider using another ATM or coming back
later.
- Don't display your cash; pocket it as soon
as the ATM transaction is completed and count ythe cash later
when you are in the safety of your own car, home, or other
secure surrounding.
- At a drive-up facility, make sure all the
car doors are locked and all of the windows are rolled up,
except the driver's window. Keep the engine running and remain
alert to your surroundings.
- We want the ATM and night deposit facility
to be safe and convenient for you. Therefore, please tell us
if you know of any problem with a facility. For instance, let
us know if a light is not working or there is any damage to
a facility. Please report any suspicious activity or crimes
to both the operator of the facility and the local law enforcement
officials immediately.
