Internet Banking User Terms and Conditions


Sterling Bank hereby publishes the following terms and conditions for Userís use of the Internet Banking Service.Sterling Bank reserves the right to modify these terms and conditions at any time, effective upon publication.Userís use of the Internet Banking Service constitutes agreement to these terms and conditions and modifications thereof.This includes access to the Sterling Bank Internet Banking Service and the funds transfer service between your accounts.Funds transfer service is not available for Certificates of Deposit, IRA and Loan accounts.


1.        User agrees that the following uses of the Internet Banking Service are strictly prohibited.User agrees to indemnify, hold harmless, and defend Sterling Bank from and against any and all claims, actions, suits, judgments and expenses (including court costs and reasonable fees of attorneys, accountants and expert witnesses) at Userís sole expense, arising from Userís failure to abide by these restrictions on use of the Internet Banking Service.

a.        Unauthorized communication of any charge or credit card information belonging to any other person or entity;

b.        Unauthorized communication of any information concerning any password or other on-line access number, code, or identification or any other proprietary information belonging to any other person or entity;

c.        Use of the PC services to copy or to distribute or transmit copies of copyrighted materials belonging to any other person or entity is permitted only to the extent that the owner has provided express permission to the User permitting such activity.Copying or distribution or transmitting copyrighted materials other than with permission as specified above is expressly prohibited;

d.        Communicating any obscene or defamatory information including but not limited to online bulletin boards or in conjunction with E-mail;

e.        Use of the Internet Banking Service in violation of any telecommunication, postal or other local laws or regulations of the Userís country of origin or of the United States or in furtherance or in the commission of any crime or other unlawful or improper purpose.

2.        Sterling Bank and its suppliers make no warranties or representations of any kind with respect to the Internet Banking Service, whether express or implied, including but not limited to merchant ability or fitness for any particular purpose.Sterling Bank nor its suppliers nor anyone else who has been involved in the creation, production or delivery of the Internet Banking Service assume any responsibilities with respect to userís use thereof.No oral or written information or advice given by Sterling Bank or its suppliers or any of their employees shall create a warranty or in any way increase the scope of this warranty, and user may not rely on any such information or advice.The foregoing constitutes Sterling Bankís sole and exclusive liability for the use of the Internet Banking Service.

a.        Any cause of action concerning the Internet Banking Service under this Agreement must be commenced within one year after such cause of action has occurred.

3.        User further agrees:

a.        Transmission of confidential business and sensitive personal information is at Customerís sole risk.

b.        Sterling Bank reserves the right to monitor and review transmissions on-line and in storage, and to remove or reject any material which Sterling Bank at its sole discretion, believes may be unlawful or objectionable, without prior notice to user.