Terms of Use

Your access and use of Southern Community Bank and Trust's Web Site, available at www.readysaver.com and related URLs (the "Web Site"), is subject to, and our consent to your access and use of the Web Site is conditioned on, certain terms and conditions. This authorization to use the Web Site is personal to you and is not transferable to any other person or entity. Your further access to and/or use of the Web Site (other than to read this page for the first time) constitutes your agreement to the following Terms of Use:

Copyrights and Trademarks

1. The contents of the Web Site are Copyright 2011, Southern Community Bank and Trust. All rights reserved.
2. You are not authorized to copy, modify, distribute or publicly display any portion the Web Site content ("Content"), including text, data, graphics, images, Marks or any other material (except to the limited extent required to access and view the Web Site through the normal operation of Your web browsing software), nor to allow any other person to do so.
3. Southern Community Bank and Trust and other trademarks and/or service marks (including logos and designs) found on the Web Site ("Marks") are trademarks/service marks that identify Southern Community Bank and Trust and the goods and/or services provided by Southern Community Bank and Trust and its business associates. Such marks may not be used under any circumstance without the prior written authorization of Southern Community Bank and Trust or other owner.
4. Your access and use of the Web Site does not give you any right or interest in any Content or Marks on the Web Site. You may not use, publish, transmit, create derivative works from, or in any way exploit any of the Content or Marks, in whole or in part, except as expressly allowed in this Agreement or U.S. law, without the prior written authorization of Southern Community Bank and Trust or other owner.

Site Access

1. You agree not to access the Web Site by any means other than through the standard web interface provided by your browsing software. You agree you will not attempt to defeat, disable or evade any security measures or access restrictions that may be in use in connection with the Web Site nor to use or access the Web Site in excess or outside your authorization to do so.
2. The Web Site, access to the Web Site and any service provided on the Web Site are made available solely as a convenience. We may alter, delete or bar access to any Content or any portion of the Web Site at any time without notice. We may terminate or suspend your access to all or any portion of the Web Site, without notice, for any conduct that we, in our sole discretion, believe is in violation of any applicable law or is harmful to the interests of the Web Site, another user or us.

Links to Third-Party Web Site

Southern Community Bank and Trust may provide hyperlinks to third-party web sites as a convenience to users of the Web Site. Southern Community Bank and Trust does not control third-party web sites and is not responsible in any way for the contents of or changes to any linked-to, third-party web sites or any hyperlink in a linked-to web site. Southern Community Bank and Trust does not endorse, recommend or approve any third-party web site hyperlinked from the Web Site. Southern Community Bank and Trust will have no liability to any entity for the content or use of the content available through such hyperlink.

No Representations or Warranties; Limitations on Liability

Although we make reasonable efforts to check the Content of the Web Site, the Content could include technical inaccuracies or typographical errors, and we cannot assume, and expressly disclaim, any responsibility for the accuracy, content, or availability of the Web Site or any Content thereon.

YOU EXPRESSLY AGREE THAT USE OF THE WEB SITE IS AT YOUR SOLE RISK. NEITHER WE, NOR OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, ADVERTISERS, SPONSORS, LICENSORS OR OTHERS (COLLECTIVELY, "PROVIDERS"), WARRANT THAT USE OF THE WEB SITE WILL BE UNINTERRUPTED OR ERROR-FREE; NOR DO WE OR THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEB SITE, OR AS TO THE ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION, CONTENT, SERVICE, OR MERCHANDISE PROVIDED ON OR THROUGH THE WEB SITE.

SOUTHERN COMMUNITY BANK AND TRUST MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE WEB SITE, ANY CONTENT ON THE WEB SITE OR YOUR ACCESS OR USE OF THE WEB SITE, ALL OF WHICH IS PROVIDED ON A STRICTLY "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND, AND HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

UNDER NO CIRCUMSTANCES SHALL SOUTHERN COMMUNITY BANK AND TRUST OR ANY OTHER PARTY INVOLVED IN CREATING, HOSTING OR DISTRIBUTING THE WEB SITE BE LIABLE AT LAW OR IN EQUITY, UNDER ANY THEORY OF RECOVERY WHATSOEVER, FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, SPECIAL, DIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING, BUT NOT LIMITED TO LOSS OF USE, LOSS OF DATA OR LOST PROFITS), ARISING OUT OF OR IN ANY MANNER CONNECTED WITH THE WEB SITE, WITH THE INABILITY TO ACCESS OR USE THE WEB SITE, OR WITH THE USE OF INFORMATION OR SERVICES, OR THE FAILURE TO PROVIDE INFORMATION OR SERVICES, RELATED TO THE WEB SITE.

Applicable Law

We manage the Web Site from our offices in North Carolina, United States of America. We make no representation that the Content in the Web Site is appropriate or available for use in other jurisdictions, and access to them from locations in which such Content may be illegal is prohibited. Those who may choose to access the Web Site from other jurisdictions do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the Content in violation of U.S. export laws and regulations. Any claim relating to the Web Site, Your access or use of the Web Site, the services provided through the Web Site or any Content of the Web Site shall be governed by the internal laws of the state of North Carolina, without reference to its choice of law provisions, and shall be resolved solely through proceedings held within the state of North Carolina.

Changes to These Terms of Use

Southern Community Bank and Trust reserves the right to modify these Terms of Use at any time, without prior notice, by posting new Terms of Use at this location, and You agree that Your access or use of the Web Site after such modification constitutes Your agreement to be bound by the new Terms of Use. You can send e-mail to Southern Community Bank and Trust with any questions relating to these Terms of Use at webmaster@smallenoughtocare.com. If you no longer agree to be bound by the Terms of Use, you must cease all further use of and access to the Web Site.

General

These Terms of Use constitute the entire agreement between us regarding the terms of your access and use of the Web Site. Our failure to exercise or enforce any right or provision of the Terms of Use on any occasion shall not constitute a waiver of such right or provision or a limitation on our enforcement at any other time. If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, the parties agree that all other provisions of the Terms of Use shall be unaffected and shall remain in full force and effect.

Copyright Complaints

We respect the intellectual property of others, and we ask our users to do the same. If you believe that your work has been copied and is accessible on the Web Site in a way that constitutes copyright infringement, you may notify us by providing our copyright Contact a Notice including the following information:

1. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
2. a description of the copyrighted work that you claim has been infringed, including the URL (i.e., web page address) of the location where the copyrighted work exists or a copy of the copyrighted work;
3. identification of the URL or other specific location on the Web Site where the material that you claim is infringing is located;
4. your address, telephone number, and e-mail address;
5. a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
6. a statement by you, made under penalty of perjury, that all information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Our Contact for Notice of claims of copyright infringement concerning the Web Site can be reached as follows:

Southern Community Bank and Trust
Marketing Department
4605 Country Club Road
Winston-Salem, NC 27104
1-888-768-2666
E-mail: marketing@smallenoughtocare.com