TAB Bank
Legal Notice
Lobby Notices
Community Reinvestment Act Notice
Financial Reporting
Funds Available Policy
U.S. Patriot Act Notice
ADVISORY AGAINST ILLEGAL USE - INTERNET GAMBLING


Website Use
Access to or use of the TAB Bank Inc. (TAB) Web site constitutes consent to the following terms and conditions:

TAB has taken reasonable measures to ensure that the information and data presented on this Web site is accurate and current; however, TAB makes no express or implied warranty regarding such information or data, and hereby expressly disclaims all legal liability and responsibility to persons or entities who use or access this site and its content, based on their reliance on any information or data that is available through this Web site.

The content of this Web site is not designed or intended to provide authoritative financial, accounting, investment, or other professional advice that may be reasonably relied on by its readers. If expert assistance in this area is required, the services of a qualified professional should be sought.

The TAB Web site provides links to other Web sites for convenience and informational purposes only. Users should be aware that when they select a link on TAB's Web site to an external site, they are leaving TAB's site. Linked sites are not under the control of TAB, and TAB is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. TAB is not responsible for any transmission received from a linked site. The inclusion of a link does not imply endorsement by TAB of the site, its contents, advertisers, or sponsors.

As a condition of your use of the TAB Web site, you warrant to TAB that you will not use the TAB Web site for any purpose that is unlawful or prohibited by these terms and conditions. You may not use the TAB Web site in any manner that could damage, disable, overburden, or impair the TAB Web site or interfere with any other party's use of the TAB Web site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the TAB Web site.

This general disclaimer is in addition to, and not in lieu of, any other disclaimers found on pages, applications, or programs within this site. The TAB Web site is offered to you conditioned on your acceptance without modification of these terms and conditions. Your use of the TAB Web site constitutes your agreement to all such terms and conditions. TAB reserves the right to change the terms and conditions under which the TAB Web site is offered. The Web site user is responsible for regularly reviewing those terms and conditions.



Lobby Notices


Community Reinvestment Act Notice
Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Manager, Division of Compliance and Consumer Affairs, The Federal Deposit Insurance Corporation, 25 Ecker Street, Suite 2300, San Francisco, CA 94105. You may send written comments about our performance in helping to meet community credit needs to our Compliance Officer at 4185 Harrison Blvd., Suite 200, Ogden, Utah 84403 and FDIC Regional Manager. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of FJ Management Inc., a bank holding company. You may request from the Community Affairs Officer, Federal Reserve Bank of San Francisco, 101 Market Street, San Francisco, California 94105 an announcement of applications covered by the CRA filed by bank holding companies.

Look up our Community Reinvestment Act (CRA) Performance Rating. Our FDIC CERT # is 34781.


Financial Reporting
THE ANNUAL DISCLOSURE STATEMENT OF TAB BANK IS AVAILABLE TO YOU UPON REQUEST. YOU CAN REQUEST IT IN WRITING FROM OUR CONTROLLER AT 4185 HARRISON BOULEVARD, SUITE 200, OGDEN, UTAH 84403. YOU MAY ALSO OBTAIN IT BY CALLING OUR CONTROLLER AT (801) 624 - 4800.


Funds Available Policy
This policy applies to all deposit accounts.

TAB Bank's policy is to delay the availability of funds from your cash and check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay debits that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

TAB Bank's general policy is to allow you to withdraw funds deposited in your account on the second business day after your deposit is received. In some cases your ability to withdraw funds may occur on the next business day of the day after deposit. Funds for electronic direct deposits to your account will be available on the day we receive the deposit.

If you are a new customer, during the first 30 days your account is open, funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a days total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit. Funds in excess of $5,000 from these deposits will be available on the ninth business day after the day of your deposit. Funds from all other check deposits will be available on the tenth business day after the day of your deposit.

Funds you deposit by check may be delayed for a longer period under the following circumstances:
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.


U.S. Patriot Act Notice
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying documents.


ADVISORY AGAINST ILLEGAL USE - INTERNET GAMBLING
Certain transactions are prohibited from being processed through your account or other relationship with TAB Bank under the Unlawful Internet Gambling Enforcement Act of 2006 ("Act") and related regulations that have been issued by the Board of Governors of the Federal Reserve System and the United States Department Of The Treasury ("Regulation GG"). TAB Bank is also required by the Act and Regulation GG to inform its commercial customers of this restriction. The transactions which are prohibited are the following transactions or transmittals involving any credit, funds, instrument or proceeds that the Act prohibits any person engaged in the business of betting or wagering (except for the activities of a financial transaction provider, or any interactive computer service or telecommunications service) from knowingly accepting, in connection with the participation of another person in unlawful Internet Gambling: 1)Credit, or the proceeds of credit, extended to or on behalf of such person (including credit extended through the use of a credit card); 2) An electronic fund transfer, or funds transmitted by or through a money transmitting business, or the proceeds of an electronic fund transfer or money transmitting service, from or on behalf of such other person; 3) Any check, draft, or similar instrument that is drawn by or on behalf of such other person and is drawn on or payable at or through any financial institution.

Internet gambling will generally be deemed to be unlawful unless it is expressly authorized by license issued by an appropriate State or Tribal authority. You agree not to use your account for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

Equal Opportunity Lender
Safe Internet Banking