TERMS & NOTICES

DISCLAIMER

First Capital Bank works hard to offer the best quality in Internet Banking. However, it is possible that Internet connection to our website may occasionally be inaccessible. Personal and Business Bill Pay through First Capital Bank's Internet banking system is provided for your convenience. Please understand that the actual payment of such bills is handled by an independent third party, and First Capital Bank cannot guaranty or be held responsible for the completion and accuracy of such transactions.

Although First Capital Bank has prudent security protection in place, please remember that the Internet lacks inherent security for commercial transactions; therefore First Capital Bank does not guarantee that downloads from this site will not contain a virus or other destructive device. Additionally, you provide, request and receive information from this site with the knowledge that such information can be intercepted and/or viewed by unknown third parties. Please contact us at 273-1250 with any questions you may have regarding this information and related disclaimers.

Features and services availability of First Capital Bank's Internet banking system are subject to change without notice.

Although all information contained on this website is believed by First Capital Bank to be accurate and reliable, First Capital Bank is not responsible for any errors or omissions because of the possibility of human and/ or mechanical error and/or other factors.

All information is provided "as is" without warranty of any kind. First Capital Bank makes no representations and disclaims all express, implied, and statutory warranties of any kind to user and/or third party.

First Capital Bank shall under no circumstances be liable to user and/or any third party for any indirect, consequential, incidental or punitive damages whatsoever, even if First Capital Bank has been advised of the possibility of such damages.

News on Websites

Statements concerning future performance, developments or events, concerning expectation for growth or market forecasts, or any other guidance on future periods on First Capital Bank's website and/ or on any non-First Capital Bank linked website, constitute forward-looking statements and are subject to a number of risks and uncertainties which might cause actual results to differ materially from stated expectations.

Disclosure

Product descriptions contained herein do not take the place of required disclosures on personal and business deposit and loan accounts under applicable federal and state regulations.

Please contact us for the disclosures appropriate to these accounts.

Electronic Mail

Messages sent by electronic mail (e-mail) may not be secure, may be intercepted by third parties, and may not be immediately received by the appropriate department at First Capital Bank. Please do not use e-mail to send communication to First Capital Bank which contains confidential information, which First Capital Bank requires in writing, or which needs First Capital Bank's immediate attention.

Please call us instead at 273-1160 or at our E-Banking Hotline at 273.1250. Be aware that a "receipt" acknowledgment on an e-mail message means only that the message has been routed into the Internet, not that the message has been received by First Capital Bank.

Links to Other Sites

Links to non-First Capital Bank Websites are provided solely as pointers to information on topics that may be useful to these sites, and First Capital Bank has no control over the content on such non-First Capital Bank sites. If you choose to link to a website not controlled by First Capital Bank, First Capital Bank makes no warranties, either expressed or implied, nor endorsements or sanctions concerning the content of such site. Additionally, First Capital Bank does not warrant that such site or content is free from any claims of copyright, trademark or other infringement of rights of third parties or that such site or content is safe in regards to viruses or other contamination. Links to non-First Capital Bank sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.