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Terms of Use

Please read the following terms and conditions carefully. They govern your rights to access and use of this Web site.

Agreement to Terms of Use
National Penn Bancshares, Inc. and its subsidiaries and affiliates (collectively, "National Penn") require all visitors to this Website (the "site") to follow the rules contained in this Terms of Use Disclosure, as we may modify them from time to time. By accessing or using any portion of this site, you agree to be legally bound by these Terms of Use and you accept them in full. If you do not agree to accept these terms, you may not access or use any portion of this site. Your continued use of the site after any changes to these terms and conditions is considered acceptance of those changes. Some of the pages on this site may provide services under their own terms and conditions and you agree to comply with these service requirements.

Information Subject to Change
We reserve the right to modify the Terms of Use Disclosure without prior notice to you. We will continually post the most current disclosure on this site. This disclosure was last updated May 23, 2014.

Privacy and Members of the National Penn Family of Companies Information regarding privacy issues can be found in our Privacy Notice Statement. Links to the document can be found on the home page of this site. Information concerning affiliate relationships in the National Penn Family of companies may be found under the Investor Relations tab of this site.

Products and Services
The information, materials, products and services on this site are subject to change without notice. Not all of the products or services described on this site are available in all geographic areas. You may not be eligible for all of the products or services described. National Penn reserves the right to determine eligibility for any product or service.

Where securities, investment and insurance products are listed, they are:

Capacity to Contract
You certify that you are at least 18 years old, have the legal capacity to contract, and are legally competent to contract should you open any accounts with us online. We do not solicit or open accounts for minors unless a guardian or custodian of legal age is also on the account.

Children’s Information
We respect the privacy of children, and we comply with the practices established under the Children’s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.

Personal Identification & User Conduct
You represent that any personal identification that is required to open any account or otherwise register for any product or service on this site is valid and belongs to you.

You may not use your account for illegal internet gambling. You agree to use the site for a lawful purpose and to comply with all applicable laws, statutes, rules and regulations regarding your use of the Web site, including but not limited to U. S. export laws and regulations. If we determine that your use of the site violates any term or condition relating to this site, we may suspend or terminate your access to this site without notice. Your access to this site may also be suspended if: (A) you do not follow security procedures; (B) any access device or code has been reported lost or stolen; or (C) when we believe there is unusual activity on any of your accounts with us. You agree to cooperate with us to investigate any unauthorized use.

You also are prohibited from any use which could constitute an illegal offense, liability, or otherwise violate any applicable local, state, national or international regulation. This site is based in Boyertown, Pennsylvania, USA. We make no representations that the content may be used or is appropriate for other areas of the United States or internationally.

Registration and Password
Except where otherwise expressly indicated, transmissions to and from this site, including by email, are not sent in a secure form and can potentially be intercepted by third parties. You are responsible for maintaining the confidentiality of your information and password. You are responsible for all uses of any products or services for which you have registered, including your security information and password, whether or not authorized by you. You agree to immediately notify National Penn of any unauthorized use of your registration, information or password.

Use of email
You can use electronic mail (email) to contact us. Because email over the internet is not a secure method of communication, you should not use email to send or request confidential information that has substantial value or potential for causing harm, loss, or damage. If the need for an inquiry is urgent, please contact our Information Center at 1.800.822.3321.

Copyright & Trademarks
The contents included in this site are solely for your personal use. Except where expressly noted, all content in the text, screens, images, graphics and Web pages of this site are the sole and exclusive property of National Penn Bancshares, Inc., Boyertown, Pennsylvania, U.S.A. and/or its subsidiaries or affiliates. United States and international copyright laws and treaties protect  this information. The information, materials and other content of this Web site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, or otherwise used to create a derivative work, without the express written consent of the owner. You agree not to delete any copyright, trademark or similar notice from any contents you obtain from this site. The display of trademarks within this site does not grant you a license of any kind. Any downloading of material contained in the site, or of any linked site, may be a violation of federal trademark and copyright laws. You are prohibited from using any copyright, service mark, or trademark without the written permission of National Penn or such third party, which may own the copyright or mark.

You may see the following third party marks on National Penn or affiliate Web sites:

  • Cetera Investment Services LLC is an independent, registered broker/dealer and registered investment advisor, 400 1st Street South, Suite 300, Saint Cloud, MN 56301.
  • Rafferty Capital Markets, LLC, 1010 Franklin Avenue Suite 300, Garden City, NY 11530, is a distributor for Institutional Advisors LargeCap Fund.
  • Financial Telesis, Inc. is a registered investment adviser and broker dealer working with investments and retirement plans, located at 17727 Chatsworth Street, Granada Hills, CA 91344
  • The CFA Institute’s Global Investment Performance Standards® (GIPS®) is independently verified by Beacon Verification Services.
  • Élan Financial Services, owned by U.S. Bancorp, parent company of U.S. Bank, offering credit card services.
  • VISA® and PLUS Network® are registered trademarks of Visa International.
  • Quicken®, QuickBooks®, are registered trademarks of Intuit, Inc.
  • First Data Merchant Services®, part of First Data® Corporation, a company with a merchant base exceeding 4.1 million locations worldwide. 2645 International Parkway, Virginia Beach, VA 23452. Phone 1.877.349.4151, 9:00 a.m. to 6:00 p.m. EST.

Links to Other Web sites
National Penn has established links between this site and one or more Websites operated by third parties not affiliated with National Penn. We provide these links in hopes of bringing you the value and service you expect from National Penn. You can identify that you are at a third party’s Website instead of National Penn’s when you have used a hyperlink which takes you to a new location, the Website address of the linked site appears in the "net site" or "address" box at the top of your browser, or when a new browser window is opened in which the new third party Website appears.

National Penn has no control over any other Websites or the contents of any such Websites. The existence of any links to any other Websites shall not constitute an endorsement, approval, guarantee or recommendation by National Penn of such Websites, the contents of such Websites, or the operators of such Websites. National Penn is and will not be responsible for any loss or damage of any sort resulting from the use of a third party link, nor is or will it be liable for any failure of products or services advertised or provided on these third party Websites.

Tools and Calculators
This site may contain tools or calculators as a service to you for educational purposes only. We do not guarantee the accuracy of these tools or calculators, or the results, and expressly disclaim liability for any damages arising out of the use of any tools or calculators.

No Warranties
Although National Penn attempts to provide accurate information, names, images, pictures, graphics, logos, icons, documents and materials (collectively, the "Contents") on this site, we make no representation, endorsement or warranty that such Contents are accurate or suitable for any particular purpose.

THIS SITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THIS SITE AND ITS CONTENTS IS AT THE USER’S SOLE RISK. THIS SITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR FREEDOM FROM COMPUTER VIRUS, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED ABOVE, NATIONAL PENN MAKES NO REPRESENTATIONS, ENDORSEMENTS OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEBSITE OPERATED BY A THIRD PARTY.

Limitation of Liability
IN NO EVENT WILL NATIONAL PENN OR ITS SUBSIDIARIES, AFFILIATES, CONTRACTORS OR THEIR RESPECTIVE EMPLOYEES OR AGENTS BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY’S USE OF THIS SITE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA OR LOSS OF USE RELATED TO THIS SITE OR ANY WEBSITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS SITE OR ANY OTHER WEBSITE, EVEN IF NATIONAL PENN IS AWARE OF THE POSSIBILTY OF SUCH DAMAGES.

NATIONAL PENN’S ENTIRE LIABILITY, AND YOUR EXCLUSIVE REMEDY FOR ANY DISPUTE OR CLAIM RELATED TO YOUR USE OF THIS SITE, IS YOUR CESSATION OF THE USE OF THIS SITE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

NATIONAL PENN CANNOT AND WILL NOT ASSUME ANY LIABILITY FOR  UNAUTHORIZED OR FRAUDULENT USE OF THIS SITE.

Indemnification
You agree to indemnify, defend and hold harmless National Penn, its subsidiaries, affiliates, contractors, and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys’ fees, arising out of your use of this site.

Information Sent to Us - Submissions to the Site
All remarks, discussions, ideas, graphics or other submissions communicated collectively through this site will be the exclusive property of National Penn. National Penn is entitled to use any portion of the submission without restriction or compensation to the individual who provided it. Nothing contained herein shall be construed as limiting or reducing National Penn’s responsibilities and obligations to our consumers and customers in accordance with our Privacy Notice and Web site Privacy Statement.

Governing Law
You agree that your use of this site shall be governed by and construed in accordance with the laws of the state of Pennsylvania, without regard to the conflict of laws thereof, and to the laws of the United States.

Venue
Disputes arising from the use of this site shall be exclusively subject to the jurisdiction of any federal or state court located in the Eastern District of Pennsylvania or Berks County, Pennsylvania, respectively.

Severability
To the extent any portion of this Terms of Use Disclosure is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and this Terms of Use Disclosure, as so modified, shall remain in full force and effect.

Waiver
No waiver by National Penn or any right under or term or provision of this Terms of Use Disclosure will be deemed a waiver or any other right, term or provision at that time or a waiver of that or any other right, term or provision of this terms of use disclosure at any other time.

Contact Information
If you have questions or problems with this site, you may contact National Penn by email at natpenn@nationalpenn.com or by telephone 1.800.822.3321, or by mail to: National Penn Bancshares, Inc., Philadelphia and Reading Avenues, Boyertown, PA 19512, Attention: Legal Department. This contact information is for this site only; contact information regarding products, services, Regulation E claims, Regulation Z claims and the like are listed within the referenced product disclosures.

Date: May 23, 2014

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