Terms and Conditions of Use for Blanco National

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?

1. 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

   
   
2. 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.
   
   
3. 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

   
   
4. 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:

1. 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.
2. 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.
3. Compare your records with the account satements you receive.
4. Don't lend your ATM card to anyone.
5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
6. 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.
7. Prevent others from seeing you enter your PIN by using your body to shield their view.
8. 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.
9. 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.
10. Don't accept assistance from anyone you don't know when using at ATM or night deposit facility.
11. 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.
12. 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.
13. 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.
14. 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.