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Text Content

WELCOME

Welcome to Cross River's authentication service. This is where you will sign in
to Cross River's applications. Please take note of this site's URL, this is the
only place you should ever enter your Cross River password. When you are ready,
click the button below to get started.


TERMS AND CONDITIONS

PLEASE REVIEW THESE TERMS AND CONDITIONS (THESE "TERMS OF SERVICE") CAREFULLY.
BY ACCESSING THIS WEBSITE ("SITE") AND ANY PAGES RELATED TO THIS SITE, YOU AGREE
TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU DO NOT AGREE TO THESE TERMS OF
SERVICE, PLEASE DO NOT ACCESS THIS SITE OR ANY PAGES RELATED TO THIS SITE. The
effective date of these Terms of Service is 3/29/2023 ET. This version of the
Terms of Service replaces and supersedes any prior terms of use applicable to
the Site and Bank Products.  This Site and any products and services (products
and services, collectively, "Bank Products") of Cross River Bank (the "Bank"
"we", "us", or "our") made available through this Site are delivered subject to
the terms set forth in these Terms of Service. You acknowledge that this Site is
the property of the Bank and its licensors. In using any webpage, website, or
other aspect of this Site, you hereby agree to be bound by these Terms of
Service. The Bank offers the Site to you based on your acceptance of these Terms
of Service without modification. The Bank reserves the right, in its sole
discretion, to revise these Terms of Service at any time.  Any changes to these
terms will be included in a revised version of these Terms of Service accessible
through the Site.  Your continued use of the Site and any related Bank Products
following posting of any changes to Terms of Service constitutes your
unconditional acceptance and agreement to be bound by the changed terms. 
Accordingly, we urge you to review these Terms of Service at the start of each
use of the Site.  If you do not agree to be bound by the revised terms and
conditions, you must cease your use of the Site. Content and Proprietary Rights
All text, graphics, user interfaces, photographs, trademarks, logos, sounds,
music, artwork and computer code (collectively, "Content"), including design,
structure, selection, coordination, expression, "look and feel" and arrangement
of such Content contained on the Site is owned, controlled or licensed by or to
the Bank and is protected by applicable U.S. and foreign copyright, patent, and
trademark laws, including various other intellectual property rights and unfair
competition laws. Except as expressly provided in these Terms of Service, no
part of the Site or its Content may be copied, reproduced, republished,
uploaded, posted, publicly displayed, encoded, translated, transmitted or
distributed in any way to any other computer, server, website or other medium
for publication or distribution or for any commercial enterprise, without the
Bank's prior written consent. Any unauthorized use, downloading,
re-transmission, display, distribution or other copying, or modification of any
copyrightable matter in the above and/or the Content on the Site is strictly
prohibited, and may result in legal action against those engaging in such
activities. Use of Bank Products This Site contains information about the Bank
and Bank Products. You understand and acknowledge that you are solely
responsible for any actions you take in connection with your use of the Site,
Bank Products, and any data, material, or information ("Data") you share through
the Site. You agree not to reproduce, transmit, disseminate, broadcast,
circulate, republish, duplicate, sell, modify, upload, post, or otherwise
distribute or commercially exploit the Site, or any portion of the content of
the Site, in any way without the Bank's prior written consent. The Bank will
use, store, disclose, and otherwise process the Data: (i) for the purpose of
performing providing services to You; (ii) pursuant to documented instructions
from You, (iii) in accordance with its privacy policy, which is available at
http://www.crossriver.com/privacy-policy/ , or (iv) when required to do so by
applicable law, and the Bank informs You of that legal requirement before
processing and minimizes any disclosures to the maximum extent permitted by law.
You represent and warrant that your provision of the Data to the Bank, and the
Bank's use of that Data as authorized herein, will not violate applicable law or
the rights of any individual or entity. Without limiting the foregoing, You
agree not to store, upload, or transmit to or via the Site any Data that: (a)
infringes upon, or violates any copyright, patent, trademark, trade secret or
other proprietary right; (b) is defamatory, libelous, or threatening; (c) is
known by you to be false or inaccurate; or (d) violates any applicable law,
treaty, or regulation. You agree you will neither upload nor transmit to the
Site any Data containing any virus, worm, or other harmful feature. You agree
not to interfere, in any way, with others' use of the Bank Products and you will
not attempt to gain unauthorized access to the account, computer system, or Data
of another user. By using the Site and the Bank Products, you hereby grant Cross
River Bank the right to obtain and use the information you provided in the Site
in order for the Bank to provide the Bank Product. You authorize us and our
affiliates to obtain and review consumer credit reports about you and any other
guarantor from credit reporting agencies, including now and periodically in the
future, in connection with Bank Products. You represent and warrant you have
been authorized by your  guarantors to authorize us and our affiliates to obtain
and review consumer credit reports about your guarantors. You represent and
warrant you have obtained all necessary consents and approvals.   In addition to
the above, you are prohibited from: (a) engaging in any act where you know, or
have reason to know, that such act may disrupt the Site's functionality; (b)
translating, decompiling, reverse engineering, or otherwise attempting to obtain
access to source code of any software located on the Site (the "Software"); or
(c) using or allowing other to use the Site in any way that violates local,
state, federal, or international law, including without limitation any export
controls or sanctions imposed by the United States of America. The Bank reserves
the right to determine eligibility for any Bank Product at its discretion. You
may use information, print materials, and agreements or documents related to
Bank Products that are made available through your use of the Site
(collectively, the "Documentation"), provided that you: (a) do not remove any
proprietary notice language in such Documentation; (b) use such Documentation
only for your internal business purposes and do not copy or post such
Documentation on any networked computer or broadcast it in any medium; (c) make
no modifications to such Documentation and (d) do not make any additional
representations or warranties to any party in connection with your use of such
Documentation. The products and services described in various webpages on the
Site, as applicable, may only be offered in certain jurisdictions where they may
be legally offered for sale or designated by the Bank in its sole discretion.
The Site is not intended for distribution to, or use by, any person in any
jurisdiction or country where such distribution or use would be restricted,
prohibited, or otherwise contrary to law or regulation. Site Confidentiality and
Security Certain features or services offered through the Site may require you
to open an account (including setting up a username and password) ("Account").
You are solely responsible for maintaining confidentiality of your Account
information, including your password, for any and all activity related to your
Account. You further agree to establish commercially reasonable security
procedures and controls to protect your confidential information. You agree to
notify the Bank immediately of any unauthorized use, or any other breach of
security, including suspected or actual Account "phishing" incidents. You
understand that you may be held liable for losses incurred by the Bank or any
other user of or visitor to the Site due to an unauthorized party using your
login information, password or Account. You agree not to use anyone else's name,
password, or Account to access the Site at any time without the express
permission and consent of such party. You acknowledge that the Bank is not be
liable for any loss or damage arising from your failure to comply with these
obligations. Children Online Privacy Protection Act This Site will not, and does
not intend to, market any Bank Products or related services to children. The
Bank does not knowingly gather or solicit data from children through the Site,
and by using the Site you represent that you are an adult who is at least 18
years of age. Product Information Restrictions You must be eighteen (18) years
or older to use the Site or the Bank Products. You acknowledge and agree that
you may not be eligible to use the Bank Products, and further agree that certain
Bank Products are available only to businesses incorporated in the United States
or to businesses whose principal place of business is in the United States. You
agree to only use the site or Services for a bona fide business purpose. You
represent you are a business entity and agree you will not use the site or
Services for personal, family, household or other consumer purposes. Cross River
Bank is not a credit reporting agency or a consumer reporting agency as defined
in the Fair Credit Reporting Act ("FCRA,") and the information in this site has
not been collected in whole or in part for the purpose of furnishing consumer
reports, as defined in the FCRA. Modification or Discontinuance of Certain Bank
Products You understand that, at any time and without notice to you, and for any
reason whatsoever, the Bank may modify or discontinue all or any part of the
Bank Products. You acknowledge that the Bank shall in no way be held liable for
any consequence resulting from the Bank's decision to modify or discontinue
providing all or any part of the Bank Products. Termination Cross River Bank
may, in its sole discretion and without notice, restrict, deny, terminate this
Agreement or suspend the Bank Product or Site, effective immediately, in whole
or in part, if we determine that your use of the Site violates the Agreement, is
improper or substantially exceeds or differs from normal use by other users,
raises suspicion of fraud, misuse, security concern, illegal activity or
unauthorized access issues, to protect the integrity or availability of the
Services or systems and comply with applicable Cross River Bank policy, if you
no longer agree to receive electronic communications, or if your use of the Site
conflicts with our interests or those of another user of the Site or Bank
Products. Upon our notice that your use has been terminated you must immediately
stop using the Site and Bank Products. Disclaimers THIS SITE, ITS CONTENT AND
ANY ASSOCIATED SERVICES, INCLUDING WITHOUT LIMITATION THE BANK PRODUCTS, ARE
PROVIDED BY THE BANK ON AN "AS IS" AND "AS AVAILABLE" BASIS.  YOU USE THE SITE,
THE BANK PRODUCTS AND ANY RELATED CONTENT AT YOUR OWN RISK. THE BANK MAKES NO
REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE
OPERATION OF THIS SITE, TO THE INFORMATION, CONTENT, MATERIALS OR BANK PRODUCTS
INCLUDED ON THIS SITE, OR TO THE FUNCTIONALITY OF ANY SERVICES ASSOCIATED
THEREWITH. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, THE BANK
DISCLAIMS ANY AND ALL IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED
WARRANTIES OF TITLE, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OF
WORKMANLIKE EFFORT, OF SUITABILITY, AVAILABILITY, ACCURACY, RELIABILITY,
COMPLETENESS OR TIMELINESS OF CONTENT, OR OF NON-INFRINGEMENT, AS WELL AS
WARRANTIES ARISING THROUGH COURSE OF DEALING OR USAGE OR TRADE.  FURTHER, THE
BANK MAKES NO REPRESENTATIONS OR WARRANTIES THAT THIS SITE AND/OR ITS CONTENTS
ARE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE.  THE BANK DOES NOT
WARRANT OR GUARANTEE THAT ITS SERVICES WILL PROVIDE ANY DESIRED RESULT, OR THAT
ITS SITE, SERVERS OR EMAILS SENT BY OR ON BEHALF OF THE BANK ARE FREE OF
VIRUSES, WORMS OR OTHER HARMFUL COMPONENTS.  FURTHER, THE BANK DOES NOT
GUARANTEE THE CONTINUOUS, UNINTERRUPTED AND ERROR-FREE OPERATION OF ITS SITE,
NOR THAT ALL COMMUNICATIONS BETWEEN YOU AND THE BANK OR BETWEEN YOU AND ANY
OTHER USER OF THE SITE, WILL BE SECURE FROM ACCESS OR INTERFERENCE BY THIRD
PARTIES. Limitation of Liability NEITHER THE BANK NOR ANY OF THE BANK'S
EMPLOYEES, SUBSIDIARIES, AFFILIATES, AGENTS, REPRESENTATIVES, DISTRIBUTORS, OR
LICENSORS WILL BE LIABLE FOR ANY DAMAGES OF ANY KIND, UNDER ANY THEORY OF
LIABILITY (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTORY OR
OTHERWISE), ARISING FROM OR OTHERWISE RELATED TO YOUR USE OF OR INABILITY TO USE
THIS SITE, THE BANK PRODUCTS, OR THE ASSOCIATED SERVICES, INCLUDING BUT NOT
LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES,
ATTORNEYS' FEES, OR FOR LOST DATA OR LOST PROFIT, EVEN IF THE BANK HAS BEEN
ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.  YOU
ACKNOWLEDGE THAT INFORMATION TRANSMITTED THROUGH THE INTERNET IS NEVER
COMPLETELY SECURE. WITHOUT LIMITING THE FOREGOING, THE BANK WILL NOT BE LIABLE
FOR ANY DAMAGE TO YOUR COMPUTER, TELECOMMUNICATION EQUIPMENT OR OTHER PROPERTY
CAUSED BY OR ARISING FROM YOUR ACCESSING OR USE OF THIS SITE, OR FROM YOUR
DOWNLOADING OF ANY MATERIALS FROM THIS SITE.  CERTAIN LAWS DO NOT ALLOW
LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN
DAMAGES.  IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS,
EXCLUSIONS OR LIMITATION MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL
RIGHTS. Indemnification You agree to indemnify and hold the Bank, its
subsidiaries, affiliates, officers, agents, and representatives, and its and
their officers and employees (each, an "Indemnified Party") harmless from and
against any and all damages, liabilities, judgments, actions, causes of action,
suits, claims, demands, losses, costs and expenses (including reasonable
attorneys' fees, disbursements, and court costs) arising from or in connection
with your use of the Bank Products, your violation of these Terms of Service, or
your violation of any rights of any third party. Governing Law The laws of the
State of New Jersey will govern these Terms of Service, without giving effect to
any conflicts of laws principles. Subject to the Arbitration Agreement set forth
below, You agree that any action arising out of the Terms of Service, or your
use of the Bank Products, shall be brought in state or federal court in State of
New Jersey, and you consent to the jurisdiction of such courts. PLEASE READ THIS
SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS. YOU HAVE THE RIGHT TO OPT OUT OF
THIS ARBITRATION AGREEMENT AS DESCRIBED BELOW. Agreement to Arbitrate This
section is referred to as the Arbitration Agreement. If you have a dispute with
any Indemnified Party, and are not able to resolve the dispute informally, you
and we agree that upon demand by either you or the Indemnified Party, the
dispute will be resolved through the arbitration process as set forth in this
section. Arbitration You agree that if you have a dispute or claim that has
arisen or may arise between you and the Bank or any other Indemnified Party,
whether arising out of or relating to this Agreement (including any alleged
breach thereof), your Account and services provided under this Agreement, any
advertising, any aspect of the relationship or transactions between us, and you
are not able to resolve the dispute or claim informally, you and we agree that
upon demand by either you or the Indemnified Party, the dispute or claim will be
resolved exclusively through final and binding arbitration, rather than a court,
in accordance with the terms of this Arbitration Agreement, except that you may
assert individual claims in small claims court, if your claims qualify. Further,
this Arbitration Agreement does not preclude you from bringing issues to the
attention of federal, state, or local agencies, and such agencies can, if the
law allows, seek relief against us on your behalf. You agree that, by entering
into this Arbitration Agreement, you and the Bank are each waiving the right to
a trial by jury or to participate in a class action. Your rights will be
determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration
Act governs the interpretation and enforcement of this Arbitration Agreement.
Parties Subject to this Arbitration Agreement This Arbitration Agreement applies
whenever there is a claim between you and us. If a third party, such as an
Indemnified Party other than the Bank, is also involved in a claim between you
and us, or if a dispute arises between you and an Indemnified Party other than
the Bank relating to this Agreement or your Account, then the claim will be
decided with respect to the third party in arbitration as well, in accordance
with this Arbitration Agreement, and it must be named as a party in accordance
with the rules of procedure governing the arbitration. No award or relief will
be granted by the arbitrator except on behalf of, or against, a named party.
Exclusions You and we retain the right to pursue in small claims court (or an
equivalent state court) any dispute that is within that court's jurisdiction, so
long as the disputes remain in such court and advance only an individual claim
for relief. If either you or we fail to submit to binding arbitration of an
arbitrable dispute following lawful demand, the party so failing shall bear all
costs and expenses incurred by the other in compelling arbitration. Your Right
to Opt Out If you do not want this Arbitration Agreement to apply to you or your
Account, you may opt out by sending us written notice of your decision within
thirty (30) days of the opening of your Account. Such notice must clearly state
that you wish to cancel or opt out of the Arbitration Agreement section of this
Agreement. It should include your name, address, and your signature and must be
mailed to Cross River Bank, Attn: Legal Department, 2115 Linwood Ave, Fort Lee,
NJ 07024. This is the sole and only method by which you can opt out of this
Arbitration Agreement. Your exercise of the right to opt-out will not affect any
remaining terms of this Agreement and will not result in any adverse consequence
to you or your Account. You agree that our business records will be final and
conclusive evidence with respect to whether you cancelled or opted out of this
Arbitration Agreement in a timely and proper fashion. Prohibition of Class and
Representative Actions and Non-Individualized Relief YOU AGREE THAT YOU MAY
BRING CLAIMS AGAINST THE BANK OR INDEMNIFIED PARTY ONLY ON AN INDIVIDUAL BASIS
AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE
ACTION OR PROCEEDING. UNLESS BOTH YOU AND THE BANK AGREE OTHERWISE, THE
ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS
AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE,
OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY,
INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY
SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED
BY THAT PARTY'S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND
THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE
EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION. Pre-Arbitration
Dispute Resolution The Bank and Indemnified Parties are always interested in
resolving disputes amicably and efficiently, and most customer concerns can be
resolved quickly and to the customer's satisfaction by emailing customer support
using the contact information above. If such efforts prove unsuccessful, a party
who intends to seek arbitration must first send to the other, by certified mail,
a written Notice of Dispute ("Notice"). The Notice to the Bank or Indemnified
Party should be sent to Cross River Bank at 2115 Linwood Ave, Fort Lee, NJ 07024
("Notice Address"). The Notice must (a) describe the nature and basis of the
claim or dispute and (b) set forth the specific relief sought. If you do not
resolve the claim with the Bank or Indemnified Party within 60 calendar days
after the Notice is received, you or the Bank or Indemnified Party, as
applicable, may commence an arbitration proceeding. During the arbitration, the
amount of any settlement offer made by any party will not be disclosed to the
arbitrator until after the arbitrator determines the amount, if any, to which
you or the Bank is entitled. Arbitration Procedures Arbitration will be
conducted by a neutral arbitrator in accordance with the American Arbitration
Association's (AAA) rules and procedures, including the AAA's Consumer
Arbitration Rules (collectively, the AAA Rules), as modified by this Arbitration
Agreement. For information on the AAA, please visit its website,
http://www.adr.org . Information about the AAA Rules and fees for consumer
disputes can be found at the AAA's consumer arbitration page,
http://www.adr.org/consumer . If there is any inconsistency between any term of
the AAA Rules and any term of this Arbitration Agreement, the applicable terms
of this Arbitration Agreement will control unless the arbitrator determines that
the application of the inconsistent Arbitration Agreement terms would not result
in a fundamentally fair arbitration. The arbitrator must also follow the
provisions of the Agreement as a court would. All issues are for the arbitrator
to decide, including, but not limited to, issues relating to the scope,
enforceability, and arbitrability of this Arbitration Agreement. Although
arbitration proceedings are usually simpler and more streamlined than trials and
other judicial proceedings, the arbitrator can award the same damages and relief
on an individual basis that a court can award to an individual under the
Agreement and applicable law. Decisions by the arbitrator are enforceable in
court and may be overturned by a court only for very limited reasons. Unless the
parties to the arbitration agree otherwise, any arbitration hearings will take
place in a reasonably convenient location for both parties with due
consideration of their ability to travel and other pertinent circumstances. If
the parties are unable to agree on a location, the determination will be made by
AAA. If your claim is for $10,000 or less, you may choose whether the
arbitration will be conducted solely on the basis of documents submitted to the
arbitrator, through a telephonic hearing, or by an in-person hearing as
established by the AAA Rules. If your claim exceeds $10,000, the right to a
hearing will be determined by the AAA Rules. Regardless of the manner in which
the arbitration is conducted, the arbitrator will issue a reasoned written
decision sufficient to explain the essential findings and conclusions on which
the award is based. Costs of Arbitration Payment of all filing, administration,
and arbitrator fees (collectively, the Arbitration Fees) will be governed by the
AAA Rules, unless otherwise provided in this Arbitration Agreement. If the value
of the relief sought is $75,000 or less, at your request, the Bank will pay all
Arbitration Fees. If the value of relief sought is more than $75,000 and you are
able to demonstrate to the arbitrator that you are economically unable to pay
your portion of the Arbitration Fees or if the arbitrator otherwise determines
for any reason that you should not be required to pay your portion of the
Arbitration Fees, the Bank will pay your portion of such fees. In addition, if
you demonstrate to the arbitrator that the costs of arbitration will be
prohibitive as compared to the costs of litigation, the Bank will pay as much of
the Arbitration Fees as the arbitrator deems necessary to prevent the
arbitration from being cost-prohibitive. Any payment of attorneys' fees will be
governed by the AAA Rules. Confidentiality All aspects of the arbitration
proceeding, and any ruling, decision, or award by the arbitrator, will be
strictly confidential for the benefit of all parties. Severability If a court or
the arbitrator decides that any term or provision of this Arbitration Agreement
(other than the Prohibition of Class and Representative Actions and
Non-Individualized Relief section above) is invalid or unenforceable, the
parties agree to replace such term or provision with a term or provision that is
valid and enforceable and that comes closest to expressing the intention of the
invalid or unenforceable term or provision, and this Arbitration Agreement will
be enforceable as so modified. If a court or the arbitrator decides that any of
the provisions of the Prohibition of Class and Representative Actions and
Non-Individualized Relief section are invalid or unenforceable, then the
entirety of this Arbitration Agreement will be null and void, unless such
provisions are deemed to be invalid or unenforceable solely with respect to
claims for public injunctive relief. The remainder of the Arbitration Agreement
will continue to apply. Future Changes to Arbitration Agreement Notwithstanding
any provision in this Agreement to the contrary, if the Bank makes any future
change to this Arbitration Agreement (other than a change to the Notice Address)
while you are a user of the Bank Products, you may reject any such change by
sending the Bank written notice within 30 calendar days of the change to the
Notice Address provided above. By rejecting any future change, you are agreeing
that you will arbitrate any dispute covered by this Arbitration Agreement in
accordance with the language of this Arbitration Agreement as of the date you
first accepted the Agreement (or accepted any subsequent changes to the
Agreement). Miscellaneous You may not assign or otherwise transfer these Terms
of Service or any rights or obligations under these Terms. The Bank's failure to
act on any breach of any provision of these Terms shall not be construed as a
waiver of the enforcement of any provision unless the Bank agrees to such waiver
in writing. If any part of these Terms of Service is deemed unlawful, void or
unenforceable, that part will be deemed severable and will not affect the
validity or enforceability of remaining provisions. These Terms of Service set
forth the entire understanding between you and the Bank with respect to the
subject matter hereof and supersede any prior or contemporaneous communications,
representations, or agreements, whether oral or written, between you and the
Bank with respect to subject matter. Cross River Bank is not in the business of
providing legal, financial, accounting, tax, health care, real estate or other
professional services or advice. Consult the services of a competent
professional when you need this type of assistance. Help and Support If you
require any support, please contact us. The Bank makes no warranty of any kind
as it relates to any help or support services provided hereunder and no warranty
of any kind that any errors in the Site or the Bank Products can or will be
corrected.

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