Downey Savings and Loan Association, F.A. ("Downey Savings") Terms of Use for downeywholesale.com ("Site") & pilot.downeywholesale.com ("Site"). Thank you for visiting our web site. Your visit indicates that either you are a customer of Downey Savings, for which we are very thankful, or that you may be considering Downey Savings for your banking needs. We know that you have many choices in banking. At Downey Savings, our goal is to provide our valued customers with excellent personal service and convenient banking options. Please read these terms of use carefully before using Downey Savings’ web site. By using the Site, you acknowledge and accept these terms. We reserve the right to change these terms from time to time. Copyright: All of the text, screens, images, format and web pages appearing on the Site are the property of Downey Savings or other copyright holders as may be indicated. Information contained in the Site is for your personal use only. You may copy it only for your personal use and information provided the copies contain all applicable copyrights and trademarks. You may not use the copyrighted material for any other purpose without the written permission of Downey Savings or other copyright holder. Products Offered and Eligibility: downeywholesale.com is an e-commerce web site offering certain banking related products and accounts. Some or all products may not be available in your area. You may not be eligible for any or all of our products. Your eligibility depends on whether or not you meet Downey Savings' guidelines and requirements for the product(s) you request. We reserve the right to determine your eligibility for our products based on our guidelines and applicable laws, rules and regulations. Downey Savings uses its best efforts to make sure that material contained on the Site is current and accurate. Our goal is to provide you with the best possible information about our products and services. Downey Savings does not make any representations or warranties about the accuracy of the information on the Site. By accessing the Site you agree that the use of the Site is at your own risk. You also acknowledge that Downey Savings specifically disclaims all liability for any and all damages (whether direct, indirect, special, consequential or incidental in nature) not limited to, any computer virus which may infect your equipment. For purposes of convenience, Downey Savings' site may, from time to time, contain link(s) to third-party web sites. Downey Savings makes no representations or warranties about any third-party web sites that you may access through the links. By providing a link to those web sites, Downey Savings does not endorse, adopt or otherwise accept any responsibility for the content or accuracy of use of those third-party web site(s) or their security and privacy policies and procedures. Please refer to Downey Savings’ Privacy Statement for further information regarding information transmitted by you to Downey Savings over the Site.