Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Effective Date: March 16, 2026
THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF
ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.
Introduction
Please read these Terms of Use (the “Terms”) carefully before you start to use this website. The website, including but not limited to https://www.fnbcommunitybank.com/ (the “Site”), is owned by The Fairfield National Bank (“Company,” “we,” “us,” “our”). Company and its affiliates provide the Site to you (the “user”, “you”, and “your”, as applicable) for your personal use only and subject to your acceptance of and compliance with these Terms. These Terms are effective as of March 16, 2026. This version of these Terms replaces and supersedes any prior terms of use applicable to the Site. You may use the Site for lawful purposes only, in accordance with these Terms. You agree to abide by all applicable international, federal, state, and local laws and regulations in your use of the Site.
Capacity to Contract
This Site has been established by the Company for the sole purpose of conveying information about the Company’s products and services and to allow communication between the Company and its customers. Nothing contained in any page on this Site takes the place of the Company’s agreements and disclosures that govern its products and services. If any information on the Site conflicts with that in the Company’s agreements and disclosures, the agreements and disclosures will control.
Limitations of Liability
Neither Company nor any of Company’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, but not limited to, negligence), statutory or otherwise), arising from or otherwise related to your use of, or inability to use, the Site or the associated services, including but not limited to: (1) death, personal Injury, property damage, cost of substitute goods or services, loss of goodwill, business interruption, computer failure or malfunction, lost data ,or lost profit; (2) attorneys’ fees; or (3) any other indirect, incidental,
special, exemplary, punitive, or consequential damages, even if Company has been advised of or should have known of the possibility of such damages.
Without limiting the foregoing, Company 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, or inability to use, the Site, or from your downloading of any content or materials from the Site, or for any damages arising out of a third party’s unauthorized access to and use of your personal information stored on Company’s computers and/or servers. Company will not be liable for any damages of any kind that you allege arise out of or are related to your use of, or inability to use, Company’s Site and associated services.
In no event shall the aggregate liability of Company, or its parent, employees, subsidiaries, affiliates, agents, representatives, distributors, or licensors—whether in contract, warranty, tort (including, but not limited to, negligence), product liability, strict liability, or other theory—arising out of or relating to the use of the Site exceed the total amount you paid to Company to access the Site within the preceding sixty (60) days.
CERTAIN STATE 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 LIMITED IN ACCORDANCE WITH THESE TERMS OT THE FULLEST EXTENT PERMITTED BY LAW.
Disclaimer of Warranties
The Site, its content, and any associated services are provided by Company on an “as is” and “as available” basis. Information accessible through the Site is provided for informational purposes only and for your convenience only. Your use of and reliance on the Site and any content available is at your own risk. You acknowledge that information transmitted through the internet is never completely secure.
To the fullest extent permissible by applicable law, Company disclaims any and all express, implied, statutory, or other warranties, including but not limited to implied warranties of title, merchantability, fitness for a particular purpose, workmanlike effort, suitability, availability, accuracy, reliability, completeness or timeliness of content, and of non-infringement, as well as warranties arising through course of dealing, usage, or trade. Company is not responsible for typographical errors or omissions relating to pricing, text, photography or any other contents on the Site.
Company makes no representations or warranties of any kind, express or implied, as to the operation of the Site; to the information, content, materials or products included on the Site; or to the functionality of any services associated therewith. Company further makes no representations or warranties that your use of the Site will be continuous, uninterrupted, error-free, virus-free, or that the Site will meet your requirements. Company further makes no representations or warranties that communications between you and Company, or another user of the Site, will be secure from interference, virus-free, or free of other harmful components.
The Site is controlled, operated, and administered by Company from its offices within the United States. Company makes no warranty or representation that material available through the Site is legal, appropriate, or available for use outside the United States. If you access the Site from a location outside the United States, you are responsible for compliance with all applicable laws and Company accepts no responsibility for such access. Any offer for any service or product made is void where prohibited.
Intellectual Property Notices – Copyrights, Trademarks, and Restrictions on Use
All of the pages and screens on the Site are owned and controlled by Company, except as otherwise expressly stated, and are protected by U.S. copyright laws. The copyrighted materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Site. You are authorized to view the information available on the Site for your informational purposes only. You may download copyrighted materials for your personal or internal business purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to,
reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Site for any commercial or public purpose without Company’s prior written consent.
Featured words used on the Site to identify the source of goods and services are trademarks and service marks owned by Company or owned by third parties. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site except as authorized in this paragraph. You may not use any of the Company trademarks as a link to the Site except pursuant to a written trademark license agreement.
All references on this Site to the corporate names, trade names, trademarks and service marks of third parties are intended to accurately identify such parties as the sources of specific products and services. In many instances, the referenced names and marks are the subject of federal, state and international registrations. Company makes no claim of any interest or license under any such names and marks of other parties identified in this Site, and Company acknowledges the proprietary rights of such other parties to their identified names and marks. Company’s use of such names and marks is only for purposes of proper identification, and there is no intention on the part
of Company to improperly use or dilute the proprietary rights of the owners and authorized users of such names and marks.
Links to Third-Party Sites
The Site may contain links to third-party websites or other resources, which we may have no direct control and all of which may have their own set of rules and guidelines for usage of their sites and services. Company does not endorse, and we shall not be responsible or liable for, any content, advertising, products, or other materials on or available from such sites or resources.
For your protection, please refer to the terms of service and privacy policies of those respective websites. You acknowledge, understand, and agree that Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of, or reliance on, any such content, goods, or services available on such other websites. Company shall not be liable for any errors or delays in the content, goods, or services available on such other websites, or for any actions taken or not taken in reliance thereon. The links are provided “as is” and use of such links is at your own risk.
Website Updates
Company reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Site Terms. Changes to these Site Terms will be effective when notice of such changes is posted on the Site. If you use the Site once they are revised, it means you agree to those changes. Company may also terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time. Company may remove, modify or otherwise change any content, including that of third parties, on or from the Site. Company also may impose limits on certain features and services or restrict your access to part or all of the Site without notice or liability.
Indemnification
You agree to indemnify, defend, and hold harmless Company and its employees, subsidiaries, affiliates, agents, representatives, distributors, and licensors, from and against any claim, judgment, demand, damages, cost, expenses, and liabilities, including reasonable attorneys’ fees, which may arise from or be related to: (a) your use of the Site; (b) content you post or submit to the Site; or (c) your breach of any provision of these Terms or any warranty provided hereunder. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.
You agree that if you are dissatisfied with the Site or any services offered in connection with the Site, do not agree with any part of these Terms, or have any other dispute or claim with or against Company with respect to these Terms or the Site, your sole and exclusive remedy is to discontinue using the Site.
Governing Law
This agreement and the use of this website are governed by the laws of the State of Illinois.