Copyright Notice and Disclosures
Use of Information
Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Systematic Savings Bank.
©2018 Systematic Savings Bank, All Rights Reserved
©2018 The Forms Group, Scottsdale, AZ All Rights Reserved
All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.
BankSITE® is a registered trademark of The Forms Group.
Disclaimer of Warranties
The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.
Descriptions of, or references to, products, services or publications within Systematic Savings Bank’s web site does not imply endorsement of that product, service or publication. Systematic Savings Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Systematic Savings Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.
This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.
Facts, data, & other information presented on Systematic Savings Bank website pages are provided directly by Systematic Savings Bank.
Systematic Savings Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.
Deposit information presented on the website of Systematic Savings Bank is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.
Loan information presented on the website of Systematic Savings Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.
Home Equity Loan Rate Disclosures:
Fixed Rate Home Equity Loan – Rates and terms subject to change. Normal underwriting guidelines apply. Standard fees at borrower’s expense.
Home Equity Line of Credit – Monthly Payments and Interest Only – The fully indexed Annual Percentage Rate (APR) is Prime + 0%. [“Prime” means the prime rate as published in The Wall Street Journal. The current rate is shown in the table. The rate may increase or decrease and cannot exceed 18%. Appraisal or title insurance, if required, at borrower’s expense. Property insurance is required. Flood insurance may be required. Property must be owner-occupied. Normal underwriting guidelines apply. Non-owner occupied loans are available at 1% higher with maximum of 90% LTV.
Mortgage Loan Rate Disclosures:
15-Year and 20-Year Fixed Rate – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs.
30-Year Fixed Rate – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs.
Construction Loan – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs. Your interest rate cannot change, increase or decrease more than two percentage points at each adjustment.
Adjustable Rate Mortgage – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs. Your interest rate cannot change, increase or decrease more than two percentage points at each adjustment.
Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006
The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Dept of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.
As defined in Regulation GG, unlawful Internet gambling means to place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made.
As a customer of Systematic Savings Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.