Your use of any portion of Essex Credit Corporation’s Web site is subject to the following terms and conditions:

Essex Credit Corporation takes seriously our responsibility to protect the privacy of our customers' financial information. If you do not want to receive certain promotional mail from us, or do not want us to share certain types of information with other companies in the BancWest Corporation family of companies, just go to our privacy policy section for instructions.

Governing law. You agree that your use of Essex Credit Corporation’s Web sites is governed by the laws of the State of California and any applicable federal United States laws. For individual products and services offered by Essex Credit Corporation, the applicable customer agreements and disclosures may specify that the laws of another jurisdiction will govern your use of the account and/or service, and the terms of those disclosures and agreements will continue to apply.

Copyright and trademark information. The trademarks, trade names, and service marks (the "Marks") used on Essex Credit Corporation’s Web site belong to Essex Credit Corporation or to various other parties. No one is authorized to use any of the Marks in any manner without the prior express written permission of the owner of the Mark. The materials displayed on Essex Credit Corporation’s Web site are protected by U.S. and international copyright law and treaties, and shall not be transmitted, broadcast, copied, adapted, displayed, or performed without the prior express permission of Essex Credit Corporation.

Limitations. None of the information on Essex Credit Corporation’s Web site may be used, distributed, or reproduced for commercial purposes without our prior express written permission. No third party is authorized to solicit Essex Credit Corporation’s products or services without Essex Credit Corporation’s prior express written permission. There are various restrictions, limitations, and costs associated with Essex Credit Corporation’s products and services, which are disclosed in the applicable customer agreements and continue to apply regardless of any information provided in our Web site. Not all products and services described may be available in all geographic areas.

No warranties. From time to time Essex Credit Corporation’s Web site may include information from third parties, and/or links to other Web sites. Essex Credit Corporation does not make any warranties, express or implied, regarding any third party information or any links to other Web sites, and Essex Credit Corporation assumes no responsibility for the accuracy, completeness, reliability or suitability of the information provided by third parties or information, software (if any), offers or activity found on other Web sites which may be linked to our Web site.

Limitation of liability. Essex Credit Corporation disclaims liability for any and all claims, losses, costs, expenses (including attorneys' fees), and damages of whatever kind or nature including without limitation general, special, incidental, consequential, punitive, exemplary or treble damages ("Damages") based on any theory of liability, in connection with any use of Essex Credit Corporation’s Web site and the information contained therein, even if Essex Credit Corporation’ has been advised of the possibility of such Damages.

Changes. Essex Credit Corporation reserves the right to change these terms and conditions, or the content of any portion of our Web site at any time without notice. Your continued access of Essex Credit Corporation’s Web site will be subject to the terms and conditions in effect at the time you access our Web site.