Terms of Services

Please read these terms and conditions carefully. By accessing this Internet web site and any pages thereof, you agree to be bound by the terms and conditions outlined below. If you do not agree to the terms and conditions below, do not access this Internet web site, or any of the pages thereof.

Account customers are to maintain an unconditional single deposit of $100 (minimum) in order to enjoy banking, credit cards, loan, taxation or any of our financial services.

Copyright Notices

Copyright in the pages of this Internet web site and in the screens, and in the information and material therein and in their arrangement, is owned by Layrite Bank Holding Company and its affiliates (thereinafter "Layrite Bank") unless otherwise indicated.

Use of Information and Materials

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change without notice. Not all products and services are available in all geographical areas. Your eligibility for particular products and services is subject to final Layrite Bank determination and acceptance.

Warranty and Liability Information

The information and materials contained in this Internet website, including text, graphics, links or other items are provided "as is," "as available." Layrite Bank does not warrant the accuracy, adequacy, or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed, or statutory, is given in conjunction with the information and materials. Layrite Bank reserves the right to terminate any and all Internet web site offerings without prior notice to the user. Furthermore, by offering information, products or services via this Internet web site, no solicitation is made by Layrite Bank to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law.

LAYRITE BANK EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT WILL LAYRITE BANK BE RESPONSIBLE FOR SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES EVEN IF IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Loan borrower shall be fully liable for any Insurance Cost ranging from 1-10% (on loan sum) for some regions required by The State law for wire transfers outside the State of California.

Links to other Internet Web Sites

From time to time, Layrite Bank may provide links to non-Layrite-Bank affiliated Internet web sites. These links are provided solely as pointers to information that may be useful to users of Layrite Bank's Internet web site. These Internet web sites that can be linked to from Layrite Bank's Internet web site are not controlled by Layrite Bank. Users of these links do so at their own risk. Layrite Bank does not verify, monitor, investigate, or warranty these Internet web sites. Nor does Layrite Bank verify that these Internet web sites or their content is free from claims of copyright, trademark, or other infringement of the rights of third parties or that such Internet web site or content is devoid of viruses or other contamination. Layrite Bank does not guarantee the authenticity of documents on the Internet. Links to non-Layrite-Bank Internet web sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such Internet web sites.