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PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEB SITE.

BY ACCESSING OR USING THIS WEB SITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY Commercial Banking Company (for purposes of these terms and conditions the term "Commercial Banking Company" includes Commercial Banking Company's affiliates, as applicable) FROM TIME-TO-TIME AND POSTED ON THIS WEB SITE.

No Warranties. Although Commercial Banking Company attempts to provide accurate information, names, images, pictures logos, icons, documents, and materials (collectively, the "Contents") on the Web site, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE WEB SITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE WEB SITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE WEB SITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANT ABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, Commercial Banking Company ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEB SITE OPERATED BY A THIRD PARTY.

Without limitation as to the foregoing, Commercial Banking Company makes no representation, warranty or guarantee regarding your use of Stocks.com. You should seek professional advice for any questions or issues. Finally without limitation as to the foregoing, Commercial Banking Company does not endorse, guarantee, represent, warrant or recommend the products and/or services nor their accuracy, completeness or usefulness. Any opinions, judgments, advice, statements, services offers or other information are those of the author or distributor and not Commercial Banking Company.

Limitation of Liability. IN NO EVENT WILL Commercial Banking Company OR ITS SUBSIDIARIES, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY'S USE OF THE WEB SITE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEB SITE OR ANY WEB SITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS WEB SITE OR ANY OTHER WEB SITE, EVEN IF Commercial Banking Company IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

Use of Web site. Contents are included in this Web site solely for the personal use of Web site users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this Web site without the prior written consent of Commercial Banking Company, which may be withheld in its sole discretion.

Copyrights and Other Intellectual Property. Except where otherwise expressly noted or as noted below, all Contents of this Web site, including the graphics, icons and overall appearance of the Web site, are the sole and exclusive property of Commercial Banking Company, and/or its subsidiaries or affiliates. The posting of the Contents of this Web site neither constitutes a waiver of any of Commercial Banking Company's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, servicemarks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the Web site user or to any third party. Contents of this Web site are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Web site.

Links to Other Web sites. Commercial Banking Company may establish links between this Web site and one or more Web sites operated by third parties. Commercial Banking Company has no control over any such other Web sites or the contents therein. The existence of any such links shall not constitute an endorsement by Commercial Banking Company of such Web sites, the contents of the Web sites, or the operators of the Web sites.

Transmissions to and from this Web site. Except where expressly indicated otherwise, transmissions to and from this Web site or directed to Commercial Banking Company, including E-mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at Commercial Banking Company.

Please do not use E-mail to send us communications which contain confidential information, which we require to be in writing, or which need our immediate attention Please call 1.229.242.7600 or write us instead at this address: Commercial Banking Company, PO Box 1008, Valdosta, GA 31603, Attention: Web Site Customer Service

Any transmission to this Web site, including E-mails shall be deemed and remain the property of Commercial Banking Company. Commercial Banking Company shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a Web site user to Commercial Banking Company through this Web site.

Modifications. Commercial Banking Company may at any time make modifications, changes, and alterations to the Contents of this Web site, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of this Web site following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.

Service Contact. You may contact Commercial Banking Company by E-mail link to cbcbank@cbcbank.com, or by phone at 1.229.242.7600 or by mail to Commercial Banking Company, PO Box 1008, Valdosta, GA 31603, Attention: Web Site Customer Service with questions or problems with this Web site.