These Terms of Use (the 'Terms') govern your access to and use of Oxleigh State Bank's website, online services, and any related digital platforms (collectively, the 'Services').

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must discontinue use immediately.

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Services. By using the Services, you represent that you meet these requirements.

Oxleigh State Bank provides information about banking products and services, and may provide secure access to online banking, account management, and related features.

Certain features may only be available to registered customers and may require identity verification, account approval, or additional security checks.

If you enroll in online banking, you are responsible for maintaining the confidentiality of your login credentials, passwords, security codes, and any authentication methods used to access your account.

You agree to notify Oxleigh State Bank immediately if you suspect unauthorized access, suspicious activity, or any security breach.

You may use the Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Services in a way that violates any applicable law or regulation
• Attempt to gain unauthorized access to accounts, systems, or networks
• Interfere with the operation, security, or performance of the Services
• Introduce malware, viruses, or harmful code
• Scrape, harvest, or extract data without authorization
• Impersonate any person or entity, or misrepresent your affiliation

Information provided on the Services is for general informational purposes only and may not constitute financial, legal, or tax advice.

Product availability, rates, fees, terms, and eligibility requirements may change at any time. For the most accurate information, please refer to official account disclosures or contact us directly.

Content on this website does not constitute an offer, solicitation, or commitment to provide any product or service. Any application for a financial product is subject to review, approval, and applicable eligibility requirements.

Fees, rates, and terms associated with accounts, loans, cards, or services are disclosed in applicable agreements and disclosures provided to customers.

If there is any conflict between website content and official disclosures, the official disclosures control.

By using the Services, you consent to receive communications electronically, including notices, disclosures, statements, alerts, and other information.

You are responsible for maintaining current contact information, including email address and phone number, and for reviewing electronic communications in a timely manner.

Oxleigh State Bank may use security tools, monitoring, and fraud prevention measures to protect customers and the Services. We may restrict, suspend, or terminate access where we reasonably believe fraud, unauthorized activity, or misuse has occurred.

The Services may contain links to third-party websites. These links are provided for convenience only. Oxleigh State Bank does not control and is not responsible for the content, security, or privacy practices of third-party sites.

You access third-party sites at your own risk and should review their terms and privacy policies.

We may rely on third-party vendors to support the operation of the Services, including hosting, analytics, customer support, and security monitoring.

These vendors are contractually required to protect information and may only use it for authorized purposes.

The Services and all content, trademarks, logos, designs, text, graphics, and software are owned by Oxleigh State Bank or its licensors and are protected by intellectual property laws.

You may not copy, reproduce, distribute, modify, create derivative works, or exploit any portion of the Services without prior written permission, except as permitted by law.

If the Services allow you to submit information or content (such as forms, messages, or uploads), you represent that the information is accurate and that you have the right to submit it.

You agree not to submit unlawful, harmful, defamatory, or misleading content.

We strive to keep the Services available and secure. However, access may be interrupted due to maintenance, upgrades, system issues, or events outside our control.

Oxleigh State Bank is not responsible for delays, interruptions, or inability to access the Services.

To the maximum extent permitted by law, Oxleigh State Bank is not liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Services.

This includes, without limitation, loss of profits, loss of data, loss of business, or service interruption, even if we have been advised of the possibility of such damages.

The Services are provided on an 'as is' and 'as available' basis. Oxleigh State Bank makes no warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, secure, or free from harmful components.

You agree to defend, indemnify, and hold harmless Oxleigh State Bank, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or relating to your violation of these Terms or misuse of the Services.

We may suspend or terminate your access to the Services at any time if we reasonably believe you have violated these Terms, engaged in fraud, attempted unauthorized access, or otherwise misused the Services.

Termination does not limit any rights or remedies available to Oxleigh State Bank.

Your use of the Services is also governed by our Privacy & Data policy. Please review it to understand how we collect, use, and protect personal information.

Oxleigh State Bank may update these Terms from time to time. Updates will be posted on this page and may take effect immediately, unless otherwise required by law.

Continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

These Terms are governed by and construed in accordance with applicable banking and consumer protection laws, as well as the laws of the jurisdiction in which Oxleigh State Bank operates, without regard to conflict of law principles.

If you have a concern or dispute regarding the Services, we encourage you to contact us first so we can attempt to resolve the issue promptly and fairly.

Requests and disputes may be submitted through our Contact Us page.

If you have questions about these Terms, you may contact Oxleigh State Bank using the details below:

• Email: support@oxleigh.com
• Website: Contact Us

The Services are controlled and operated by Oxleigh State Bank. We make no representation that the Services are appropriate, lawful, or available for use in every jurisdiction.

If you access the Services from outside the United States, you do so at your own initiative and are responsible for compliance with local laws.

You may access certain Services through mobile devices, including via mobile web or mobile applications (if offered). Standard data, text messaging, and carrier charges may apply.

Oxleigh State Bank is not responsible for fees charged by your mobile carrier or internet provider.

If you enroll in text alerts, email alerts, or push notifications, you authorize Oxleigh State Bank to send communications regarding account activity, security events, and service notices.

Alerts may be delayed or unavailable due to factors outside our control, including carrier outages, device settings, spam filters, or network conditions. You should not rely solely on alerts to monitor account activity.

While we make reasonable efforts to ensure information on the Services is accurate and up to date, content may contain typographical errors, outdated details, or omissions.

Oxleigh State Bank reserves the right to correct any errors, inaccuracies, or omissions at any time without prior notice.

To protect customers and comply with legal obligations, we may require identity verification before opening accounts, processing requests, or granting access to certain Services.

Verification may include requesting additional documentation, confirming personal details, or using third-party identity verification services. Failure to provide required information may result in delays, restrictions, or denial of service.

You may not use the Services to conduct transactions that violate applicable laws or regulations, including laws related to money laundering, terrorist financing, sanctions, or fraud.

We may restrict, reject, or report transactions as required by law or as necessary to protect customers and the Services.

Oxleigh State Bank may monitor, record, and log activity on the Services for security, fraud prevention, compliance, and operational purposes.

Monitoring may include IP addresses, device identifiers, login attempts, session activity, and transaction-related events. By using the Services, you consent to such monitoring to the extent permitted by law.

We may place holds, delays, or restrictions on transactions or account access in accordance with applicable laws, security policies, fraud prevention measures, and operational requirements.

Holds may occur for reasons including suspected fraud, identity verification, unusual activity, system maintenance, legal requirements, or risk review.

You are responsible for reviewing your account statements, confirmations, and transaction history and for promptly reporting any errors or unauthorized activity.

Reporting requirements and timelines may be governed by applicable account agreements and disclosures.

You are responsible for maintaining the security of the devices you use to access the Services. This includes keeping your operating system and browser up to date, using reputable security software, and protecting your device from unauthorized access.

You should avoid using public or shared computers to access online banking and should log out after each session.

If biometric authentication is available (such as fingerprint or facial recognition), you may choose to enable it for convenience. Biometric features are controlled by your device manufacturer and operating system.

Oxleigh State Bank does not store your biometric data. Biometric authentication may fail or be unavailable due to device settings, operating system updates, or hardware limitations.

We may perform scheduled or unscheduled maintenance to improve security, performance, and reliability. During maintenance, some features may be unavailable.

We may update the Services at any time, including changing features, layouts, or functionality.

Records maintained by Oxleigh State Bank, including electronic logs, system timestamps, and transaction records, may be used as evidence of activity conducted through the Services.

To the extent permitted by law, such records will be considered accurate and authoritative unless proven otherwise.

Oxleigh State Bank is not responsible for failure or delay in performance due to events beyond our reasonable control, including natural disasters, acts of government, labor disputes, cyberattacks, telecommunications outages, or failures of third-party service providers.

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions.

Failure by Oxleigh State Bank to enforce any right or provision of these Terms will not constitute a waiver of such right or provision.

These Terms, together with any applicable account agreements, disclosures, fee schedules, privacy policies, and other posted notices, constitute the entire agreement between you and Oxleigh State Bank regarding use of the Services.

You may not assign, transfer, or delegate your rights or obligations under these Terms without prior written consent. Oxleigh State Bank may assign these Terms as permitted by law, including in connection with a merger, acquisition, or sale of assets.

Section headings are provided for convenience only and do not affect interpretation of these Terms.