Terms and Conditions

Acceptance of Terms

By accessing or using the BankPacific website, you agree to be bound by these Terms and Conditions. If you do not agree with these terms, please do not use this website.

BankPacific reserves the right to modify or update these website Terms and Conditions at any time. Changes will become effective upon posting to the website. Continued use of the website constitutes acceptance of the updated terms.

This provision applies only to the terms governing use of this website. It does not apply to account agreements, product disclosures, fee schedules, or other customer agreements that are subject to specific notice requirements under applicable federal or local laws and regulations.

Use of Website Information

Information provided on the BankPacific website is intended for informational purposes only. Visitors may view and download website content for personal, non-commercial use only.

No portion of this website may be copied, reproduced, republished, transmitted, distributed, or otherwise used without the prior written consent of BankPacific.

Copyright Notice

© 2026 BankPacific. All Rights Reserved.

All materials contained on this website are protected under the U.S. Copyright Act (17 U.S.C. §101 et seq.) and applicable international copyright laws. Unauthorized use of website materials may violate copyright, trademark, and other laws.

Trademark Notice

BankPacific and related logos, service marks, and product names are trademarks or registered trademarks of BancPacific Holdings or its affiliates. Unauthorized use of these trademarks or service marks is prohibited.

Disclaimer of Warranties

Except as otherwise required by applicable law or regulation, the information contained on this website is provided “as is” and “as available” without warranty of any kind, either express or implied.

BankPacific makes no representations or warranties regarding the accuracy, reliability, completeness, or availability of information contained on this website. To the fullest extent permitted by law, BankPacific disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted service.

Nothing in this disclaimer is intended to limit or modify the Bank’s obligations to provide accurate disclosures or comply with applicable federal or local laws and regulations governing financial institutions.

Limitation of Liability

Except as otherwise required by applicable law or regulation, BankPacific shall not be liable for any damages arising from the use of, or inability to use, this website or any information contained within it.

This limitation includes, but is not limited to, direct, indirect, incidental, consequential, or punitive damages arising from access to or reliance upon information provided on this website.

Nothing in this section is intended to limit the Bank’s obligations under applicable consumer protection laws or regulations.

External Links

This website may contain links to third-party websites that are not maintained or controlled by BankPacific. These links are provided for convenience only.

BankPacific does not control, endorse, or guarantee the accuracy, completeness, or security of information provided on external websites and is not responsible for the content, policies, or practices of those websites.

Product and Service Information

Descriptions of products and services on this website are provided for general informational purposes only and do not constitute a contract, commitment, or offer to provide services.

Product availability, rates, terms, conditions, and fees may vary and are subject to change without notice unless otherwise required by applicable law.

Deposit and loan product information presented on this website is provided in accordance with applicable federal regulations, including:

• Regulation DD
• Regulation Z

Rates, terms, and conditions may vary depending on individual qualifications and applicable underwriting standards.

No Financial, Legal, or Tax Advice

Information presented on this website is provided for general informational purposes only and should not be considered financial, legal, tax, or investment advice.

Customers should consult qualified professionals for advice specific to their individual financial, legal, or tax situations.

Website Security and Prohibited Use

Users may not attempt to gain unauthorized access to any portion of the website, servers, systems, or networks connected to BankPacific.

Any attempt to damage, disrupt, interfere with, or misuse the website, its services, or its infrastructure is strictly prohibited and may result in legal action.

Electronic Communications

Certain services available through this website may involve electronic communications. By using such services, you acknowledge that electronic communications may be used to provide information or respond to inquiries.

Where electronic signatures or electronic records are used in connection with services offered through this website, such transactions may be subject to applicable federal laws governing electronic records and signatures.

Governing Law

These Terms and Conditions governing the use of this website are governed by the laws of Guam and applicable federal law.

Nothing in this section limits the applicability of federal laws and regulations governing banking services, consumer disclosures, or electronic transactions.

Contact Information

If you have questions regarding these Terms and Conditions or the use of this website, please contact BankPacific using the contact information provided on our website.