Terms of Use

Notice
PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING OR USING THIS WEBSITE AND ITS PAGES (COLLECTIVELY, THIS “SITE”), YOU AGREE TO BE BOUND BY THESE TERMS OF USE AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED FROM TIME TO TIME AND POSTED ON THIS SITE BY SOVEREIGN BANK, ITS PARENT, AFFILIATE OR SUBSIDIARY (COLLECTIVELY, “SOVEREIGN”). IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS OF USE, DISCONTINUE YOUR ACCESS TO THIS SITE IMMEDIATELY.

Copyright © Sovereign Bank 2008
The works of authorship contained in this Site, including, but not limited to, the text, design, software, images, graphics, sound, recordings, images, source code, and content are owned by Sovereign Bank. Certain screen layouts, graphics and graphic user interfaces contained in this Site that are not owned by Sovereign Bank are exclusively licensed to Sovereign Bank. Such works of authorship and exclusively licensed materials are protected by United States and International copyright laws and treaties, and may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to created a derivative work, linked, transferred, sold, or otherwise used for public or commercial purposes without the express written consent of Sovereign Bank.

Trademark and Service Mark Notice
“Sovereign Bank”, the “lantern logo” and “America's Neighborhood Bank” are registered trademarks of Sovereign Bank. Other featured words or symbols used in this Site to identify Sovereign or any products or services thereof, are the trademarks or service marks of Sovereign Bank. Certain featured words or symbols used in this Site to identify third parties and/or their goods and services, may be the trademarks or service marks of such third parties, and are identified in the List of Third Party Trademarks and Service Marks section below. You may not modify, copy, reproduce, republish, upload, download, post, transmit, publicly display, create a derivative work, sell, or otherwise use for public or commercial purposes any of the trademarks or service marks in this Site without the express written consent of Sovereign Bank, or as applicable, the third party trademark or service mark holders.

Submissions
All information submitted to Sovereign via this Site shall be deemed and remain the property of Sovereign, and Sovereign shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in such information. Sovereign shall not be subject to any obligations of confidentiality regarding submitted information except as specially agreed or as otherwise required by law.

Use of Information and Materials
This Site is provided for informational purposes only. The content in this Site, including the terms, conditions and descriptions herein are subject to change without prior notice to you. Unauthorized use of, or entry into, this Site, or the misuse of passwords or information contained within this Site, is strictly prohibited.

Not all products and services featured in this Site are available in all geographic areas. Your eligibility for particular products and services is subject to final acceptance by Sovereign or the third party providers, as applicable. With regard to the information, products and services offered by this Site, no distribution or solicitation is made by Sovereign to any person to use any information, products, services, or materials in a jurisdiction where such information, products, services, or materials is prohibited by law.

The information contained in this Site is not intended as an offer or solicitation for the purchase of Sovereign stock, any other security or any financial instrument.

Links to Other Sites
Sovereign may establish in this Site links and pointers to Websites maintained and operated by third parties for you to access at your sole discretion. The establishment of any link in this Site does not imply an endorsement or recommendation by Sovereign of any opinions, ideas, goods, products, information or services offered through such linked Websites. Your participation in any linked site, including payment for, and the delivery of, any goods, products or services, is based solely upon your relationship with the linked Website provider. Sovereign has no control over such third party Websites and makes no warranties or representations as to any content in, or goods, products or services offered through, such third party Websites. You expressly agree that Sovereign is not responsible for any losses or damages in connection with your access to, use of, or inability to use, such Websites, or the contents or goods, products or services offered through such Websites

Disclaimer of Warranties
ACCESS AND USE OF THIS SITE IS AT YOUR OWN RISK. THIS SITE AND ITS CONTENTS, INCLUDING ALL TEXT, DESIGN, SOFTWARE, IMAGES, GRAPHICS, SOUND, RECORDINGS, IMAGES, SOURCE CODE AND LINKS OR OTHER ITEMS, IS PROVIDED “AS IS”, “WHERE IS” AND “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR INFRINGEMENT.  FURTHER, NO WARRANTY IS MADE THAT THIS SITE SHALL BE UNINTERRUPTED OR FREE FROM ERRORS, VIRUSES OR OTHER HARMFUL CODE.

Limitation of Liability
UNDER NO CIRCUMSTANCES WILL SOVEREIGN BE LIABLE FOR ANY DAMAGES, LOSSES OR LIABILITIES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, THAT ARISES OUT OF, OR IS IN ANY WAY CONNECTED WITH, THE USE OR INABILITY TO USE, THIS SITE OR ANY PORITION THEREOF, OR ANY LINKED SITE, EVEN IF SOVEREIGN IS ADVISED OF THE POSSIBILITY OF DAMAGES, LOSSES OR LIABILITIES.

Indemnification
You agree to defend, indemnify and hold harmless Sovereign and all of its respective directors, officers, employees and agents thereof, from and against all claims and expenses, including attorney's fees, arising out of your violation of these Terms of Use or misuse of this Site or products or services provided via this Site.

Additional Terms
Certain pages of this Site may contain separate terms and conditions that are in addition to these Terms of Use. In the event of a conflict, such separate terms and conditions shall govern the products and services offered or provided in such pages.

Right to Modify or Terminate
Sovereign reserves the right to modify the products and services offered in this Site. Sovereign also reserves the right to terminate your access to such products and services, or access to this Site, in whole or in part, at any time.

Severability
In the event any of the terms or provisions of these Terms of Use shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired, and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision.

Governing Law and Jurisdiction
These Terms of Use constitute a contract between you and Sovereign Bank. You agree that your use of this Site shall be governed by, and construed in accordance with, the laws of the Commonwealth of Pennsylvania, without regard to the conflicts of laws thereof, and to the laws of the United States. You expressly agree to submit to the sole and exclusive jurisdiction of the state and Federal courts sitting in the City of Philadelphia, Pennsylvania.

List of Third Party Trademarks and Service Marks
This Site may include the following third party trademarks and service marks:

American Express^® is a registered trademark of the American Express Company.

Bloomberg^® is a registered trademark of Bloomberg L.P.

AOL^® is a registered trademark of AOL LLC.

AT&T^® is a registered trademark of AT&T Corporation.

CVS/pharmacy^® is a registered trademark of CVS/pharmacy.

Cablevision^® is a registered trademark of CSC Holdings, Inc.

Cellular One^® is a registered trademark of Dobson Cellular Systems, Inc.

Cingular^® is a registered trademark of AT&T Knowledge Ventures and/or AT&T affiliated companies.

Comcast^® is a registered trademark of Comcast Corporation.

Diners Club^® is a registered trademark of Diners Club International Ltd.

DIRECTV^® is a registered trademark of DIRECTV, Inc.

Discover^® is a registered trademark of Discover Financial Services.

Fidelity Investments^® is a registered trademark of FMR Corp.

JCB^® is a registered trademark of JCB International Credit Card Co., Ltd.

MAC^® is a registered trademark of Electronic Payment Services, Inc.

MapQuest^® is a registered trademark of MapQuest, Inc.

MasterCard^® is a registered trademark of MasterCard International Incorporated.

McAfee and/or additional marks herein are registered trademarks or trademarks of McAfee, Inc. and/or its affiliates in the US and/or other countries. McAfee Red in connection with security is distinctive of McAfee brand products. All other registered and unregistered trademarks herein are the sole property of their respective owners. © 2007 McAfee, Inc. All rights reserved.

Mellon Investor ServiceDirect^® is a registered trademark of Mellon Investment Services LLC.

NYCE^® is a registered trademark of Star Systems, a Concord EFS, Inc. company.

OPEN from American Express^SM is a service mark of American Express Company.

OPEN Savings^SM is a service mark of American Express Company.

Progressive^® is a registered trademark of Progressive Casualty Insurance Company.

QuickBooks^® and Quicken^® are registered trademarks of Intuit, Inc.

SmartMoney.com © 2008 SmartMoney. SmartMoney is a joint publishing venture of Dow Jones & Company, Inc. and Hearst SM Partnership. SmartMoney is a registered trademark. All Rights Reserved.

Sprint^® is a registered trademark of Sprint Nextel.

STAR^® is a registered trademark of NYCE Corporation.

The content available through Ticker Technologies Inc., “The Service” is the property of Distributor (including its independent contractors, and any affiliates, successors or assigns, together, “The Company”), and is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws.

T-Mobile^® is a registered trademark of T-Mobile USA, Inc.

Verizon Wireless^® is a registered trademark of Verizon Trademark Services, LLC.

Sovereign Bank endorses a variety of Visa^® and/or MasterCard^® credit card offerings issued and administered by FIA Card Services, N.A. This credit card program is issued and administered by FIA Card Services, N.A. World Points and Platinum Plus are registered trademarks of FIA Card Services, N.A. MasterCard is a federally registered service mark of MasterCard International, Inc. and is used by FIA Card Services pursuant to license. The FIA Card Services Privacy Notice is available at IBSNetAccess.com and accompanies the credit card.

Visa^® and PLUS Network^® are registered trademarks of Visa International.