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Welcome Home Program

Opens April 6, 2026

Grants Available Up To $20,000!

The Federal Home Loan Bank provides grants to assist with down payment and closing costs for low- and moderate-income homebuyers purchasing or constructing a primary residence.

How To Qualify For A Grant

  • The total income for all occupants is at or below 80 percent of the Mortgage Revenue Bond limit for the county where the property is located. 
  • To submit a reservation request, a signed purchase contract and signed loan application must be submitted.
  • Buyer(s) must contribute $500 of their own funds for down payment and closing costs.
  • Funds are available on a first-come, first-served basis.
  • Program guidelines are established by the Federal Home Loan Bank and may include additional requirements beyond those listed above.
  • Subject to credit approval.
Find a Mortgage Specialists

Hear From Our Community

★★★★★
I am always greeted with a smile and made to feel welcomed. This group of employees is more like a family. They're great! Best customer service ever!
Marcella R.
★★★★★
I am always greeted with a smile and made to feel welcomed. This group of employees is more like a family. They're great! Best customer service ever!
Marcella R.
★★★★★
Shea Koger, Mortgage Loan Officer, does a great job helping customers navigate loan applications and offers great ideas for loan structures.
Ms. Betty
Nelson County
★★★★★
Shea Koger, Mortgage Loan Officer, does a great job helping customers navigate loan applications and offers great ideas for loan structures.
Ms. Betty
Nelson County
★★★★★
We have had many years of friendly & dependable service. Thank you for all your helpful service.
Ms. McKinney
Leitchfield Branch
★★★★★
We have had many years of friendly & dependable service. Thank you for all your helpful service.
Ms. McKinney
Leitchfield Branch
★★★★★
Your employees are always helpful and smiling every time we are there. Enjoy seeing them each time.
Ms. Clara
Highway 62 Branch
★★★★★
Your employees are always helpful and smiling every time we are there. Enjoy seeing them each time.
Ms. Clara
Highway 62 Branch
★★★★★
I would never want to bank with another large scale institution again. I've banked with them before and it just doesn't compare to my hometown Bardstown bank -- Wilson & ...
Read More
Spalding H.
Bardstown Branch
★★★★★
I would never want to bank with another large scale institution again. I've banked with them before and it just doesn't compare to my hometown Bardstown bank -- Wilson & Muir. They know my name and they are always helpful when I need banking services.
Spalding H.
Bardstown Branch
★★★★★
Ron Layman, Mortgage Loan Officer, did an amazing job from start to finish with our loan. My husband and I were first-time home buyers working with sellers...
Read More
Mr. & Mrs. King
Grayson County
★★★★★
Ron Layman, Mortgage Loan Officer, did an amazing job from start to finish with our loan. My husband and I were first-time home buyers working with sellers that didn’t have a realtor, and he was very patient and answered any questions I had along the way. Ron went out of his way to make sure that communication was always open between us and kept us informed every step of the way. I cannot imagine working with anyone else and will recommend him to anyone that asks!
Mr. & Mrs. King
Grayson County
★★★★★
Hannah was the sweetest and helped me more than I could thank her for.
M
★★★★★
Hannah was the sweetest and helped me more than I could thank her for.
M
★★★★★
We have banked at this bank for years. Highly recommend.
Holly E.
★★★★★
We have banked at this bank for years. Highly recommend.
Holly E.
★★★★★
I tell my friends this is the best bank in town.
Leitchfield Branch
★★★★★
I tell my friends this is the best bank in town.
Leitchfield Branch
★★★★★
Ruth Ann Thomas and Robin Buchanan thank you for helping me set up a new checking account. You made the process smooth and professional. Great job.
Jenny
★★★★★
Ruth Ann Thomas and Robin Buchanan thank you for helping me set up a new checking account. You made the process smooth and professional. Great job.
Jenny

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Now leaving Wilson & Muir Bank
You are leaving the Wilson & Muir Bank website and will be accessing a website for a third party. Wilson & Muir Bank does not provide any privacy policies or security measures on the third-party website and is not responsible for the content. Select Continue below to continue to the website or cancel to return to Wilson & Muir Bank.

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Now leaving Wilson & Muir Bank
You are leaving the Wilson & Muir Bank website and will be accessing a website for a third party. Wilson & Muir Bank does not provide any privacy policies or security measures on the third-party website and is not responsible for the content. Select Continue below to continue to the website or cancel to return to Wilson & Muir Bank.

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Mobile Deposit Terms and Conditions

Wilson & Muir Bank & Trust Co. Mobile Deposit allows you to deposit checks electronically, eliminating the need to make a physical bank deposit.

Qualification

In order to enroll in this service, you must be designated as an owner of a Wilson & Muir Bank & Trust Co. account (the "Account") that is eligible for this service and be approved by Wilson & Muir Bank & Trust Co.

Conditions

As conditions to the Bank's provision of service, you must maintain the Account in good standing and comply with requirements and restrictions set forth in these Terms and Conditions, as well as those of the Deposit Account Agreement.

Eligible Checks

Mobile Deposit allows you to deposit most U.S. consumer and business checks; however certain checks are not supported through the remote deposit channel. These items include but are not limited to: third party checks, foreign checks, substitute checks, government bonds, checks payable in a medium other than U.S. dollars, U.S., state, or other savings bonds.

Inspecting Physical Checks and Check Images

  • You are responsible for inspecting both the physical check items and check images as they appear on the screen of your mobile device. Because some physical security features on the actual checks, such as watermarks, may not survive the imaging process, you must manually examine checks prior to transmission to the bank to verify their authenticity.
  • Additionally, when depositing a check via MOBILE DEPOSIT, you are required to examine check images to ensure the payee name, amount, signature and other important pieces of information are legible and in accordance with the physical check. If they are not, cancel the photograph and re-photograph the item.
  • Any original paper check items that remain illegible after repeated scanning/photographing attempts must be physically deposited at the branch.
  • You should regularly inspect your mobile image camera to ensure that it is operating optimally. Please refer to the user manual of your mobile device for instructions on equipment cleaning and care.

MICR Lines on the Check

The bottom of your check contains numeric information that identifies the bank the check is drawn on, the account number and the check number. This information is known as the MICR line (Magnetic Ink Character Recognition). A MICR defect, such as a tear in the MICR line, or markings over the MICR line may inhibit the scanner or mobile phone's ability to read this information. If you receive error messages indicating that the mobile phone is unable to read the MICR line, the check with defects in the MICR line must be physically deposited at the branch or ATM.

Marking Electronically Deposited Checks as Deposited

To help ensure that an electronically deposited check is not processed multiple times either as an electronic item and/or a physical check requires that you write the words "for mobile deposit only" on the endorsement line of the check to indicate that it will only be deposited electronically. Wilson & Muir Bank & Trust Co. may refuse to accept items which are not endorsed in this manner. Marking a check in this way will also allow you to identify that the item has been photographed and deposited if it becomes intermingled with other undeposited checks.

Check Safekeeping, Retention and Destruction

  • Check storage and the destruction of items processed through MOBILE DEPOSIT is your responsibility because the paper checks are never physically deposited with the bank.
  • Wilson & Muir Bank & Trust Co. requires that MOBILE DEPOSIT customers use reasonable methods to securely store all source documents and all related banking information until destruction. We require that deposited check items be securely stored. To help ensure that checks are not electronically processed more than once or physically deposited at the bank after being electronically deposited, procedures should be established to ensure that only you or another account owner has access to these checks during the retention period.
  • Wilson & Muir Bank & Trust Co. recommends retention of the checks for at least seven business days after the deposit is made in case a check is returned and you need to collect on the check by re-depositing the original item. All items must thereafter be destroyed as soon as reasonably possible. Wilson & Muir Bank & Trust Co. requires destruction of all checks within 14 days from deposit. Cross-cut shredding is strongly recommended for check destruction.

If you believe you may have deposited a check item more than once, please contact Wilson & Muir Bank & Trust Co. E-Service department immediately at 502-348-5996. Do not re-scan/photograph the items. Wilson & Muir Bank & Trust Co. will provide assistance in determining the best approach for managing the situation.

Processing Your Electronic Item(s)/Availability of Funds.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal Holidays. If you transmit your Electronic Item(s) to Wilson & Muir Bank & Trust Co. before 4:00 EST on any business day, we shall review and process your Electronic Item(s) on that business day. If you transmit your Electronic Item(s) to us after the Cut-Off time on any business day, we shall review and process your Electronic Item(s) on the next business day. Your Electronic Item(s) is deemed to have been received by the Bank when the service generates a confirmation message.

Exception Items

Each business day, on which we review and process your Electronic Item, we will use reasonable efforts to review each Electronic Item and to reject any Electronic Item that we in our sole discretion determine to be ineligible for the service (each, an "Exception Item"). "Exception Item" includes, without limitation, an Electronic Item that (a) is illegible or contains MICR data that is not machine-readable, (b) was previously processed as an Electronic Item, or (c) is drawn on banks located outside the United States and is not payable at or through a bank located within the United States. We will notify you of each Exception Item through Wilson & Muir Bank & Trust Co. online banking secure email or other communication channels at our discretion. If you wish to attempt to deposit any Exception Item to your account, you shall do so only by depositing the original paper item on which the Exception Item is based or otherwise agreed between us. Even if we do not initially identify an Electronic Item as an Exception Item when we review and process the Electronic Item to which the Exception Item relates, the Electronic Item, substitute check, or the purported substitute check created by us from it may nevertheless be returned to us because, among other reasons, the Paying Bank determines that such item or check is illegible or missing an image. Our failure to identify an Exception Item shall not preclude or limit your obligation to Wilson & Muir Bank & Trust Co.

Chargebacks

All checks posted to your account through MOBILE DEPOSIT are posted subject to our receipt of final payment by the payor bank. Upon receipt of final payment, the item becomes a collected item. If final payment is not received or if any item you have deposited is charged back to us for any reason, you authorize us to charge any of your accounts without prior notice and at any time, for the amount of the returned item, our return fee, any interest paid on that item, and any other fee we pay or incur. We reserve the right to refuse any item for deposit into your account as well as the right to withhold the availability of funds as per the Terms and Condition of your Account Agreement.

Deposits to the Account

Subject to our right to identify and reject Exception Items, we shall be deemed to have accepted each Electronic Item that is not an Exception Item for deposit to the account on the business day that we process the Electronic Item, provided its transmission to us is prior to the Cut-Off Time. In addition, an Electronic Item will be deemed to have been deposited at the office where the account is maintained.

Termination of Service

Wilson & Muir Bank & Trust Co." reserves the right to terminate this service at any time and without notice, if in the Bank's sole discretion, the Bank determines that customer has abused the service or the Bank will suffer a loss if the service is not terminated immediately.

Warranties

FAILURE TO PROTECT YOUR HARDWARE AND SECURITY CREDENTIALS MAY ALLOW AN UNAUTHORIZED PARTY TO ACCESS THE SERVICE AND TRANSMIT AN ELECTRONIC ITEM FOR DEPOSIT. ALL USES OF THE SERVICE THROUGH YOUR SECURITY CREDENTIALS WILL BE DEEMED TO BE AUTHORIZED BY YOU AND BE BINDING UPON YOU. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT OR UNAUTHORIZED USE OF YOUR SECURITY CREDENTIALS. YOU AGREE TO (I) EXERCISE RESPONSIBLE BEHAVIOR WHEN USING THE SERVICE, (II) FOLLOW THE INSTRUCTIONS AND RECOMMENDATIONS THAT Wilson & Muir Bank & Trust Co. PROVIDES YOU WITH RESPECT TO THE SERVICE AND (III) USE MAXIMUM CAUTION IN PROTECTING YOUR HARDWARE AND SECURITY CREDENTIALS FROM UNAUTHORIZED ACCESS. YOU AGREE TO NOTIFY Wilson & Muir Bank & Trust Co. IMMEDIATELY IF YOU BECOME AWARE OF ANY LOSS OR THEFT OF, OR ANY UNAUTHORIZED USE OF THE SERVICE OR YOUR SECURITY CREDENTIALS.

You will use the service only for paper items that are payable to, and endorsed by you.

You will properly secure all hardware you use in connection with the Service (including, but not limited to, securing the hardware with Security Credentials to prevent unauthorized use). You will maintain control over and be responsible for secure retention, storage, and destruction of original paper items for which you have created an Electronic Item. After transmitting the Electronic Item to us, you will retain the original paper items as discussed in the Check Safekeeping, Record Retention and Destruction section of this document.

Funds Availability

YOUR ABILITY TO WITHDRAW FUNDS

This policy statement applies to all deposit accounts.

Our Policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day that we are not open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding account of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

LONGER DELAYS MAY APPLY

Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225.00 of your deposits, however, will be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,525.00 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashiers, certified, teller's travelers, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525.00 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

Electronic Fund Transfers

ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your right and obligations for the transactions listed. You should keep this notice for future reference.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Examples of these transfers include, but are not limited to:

  •     Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).
  •     Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking account(s).
  •     Electronic check conversion. You may provide your check to a merchant or service provider who will scan the check for the encoded bank and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check by other means such as by mail or drop box.
  •     Electronic returned check charge. Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

TELEBANK Telephone Transfers – types of transfers – You may access you account by telephone 24 hours a day at 1-877-965-1116 using your personal identification number, a touch tone phone, and your account numbers, to:

  •     transfer funds from checking to checking
  •     transfer funds from checking to savings
  •     transfer funds from savings to checking
  •     transfer funds from savings to savings
  •     make payments from checking to loan accounts with us
  •     get information about:

−the account balance of checking account(s)
−the last six deposits to checking account
−the last six withdrawals from checking account(s)
−the account balance of savings account(s)
−the last six deposits to savings accounts
−the last six withdrawals from savings accounts
−the account balance of loan account(s)
−additional loan information:

  •     date and amount of last payment
  •     next due date and amount due
  •     current year interest paid
  •     last year interest paid

−the account balance of certificates of deposit
−additional certificates of deposit information:

  •     amount of last interest earned
  •     amount of interest earned last year
  •     next maturity date

ATM cards will only be issued to customers with checking accounts. Access to other accounts (savings accounts, etc.) can be added to the ATM card as an additional feature.

ATM Transfers – types of transfers, dollar limitations, and charges – You may access your account(s) by ATM using your ATM card and personal identification number or Visa Debit Card and personal identification number, to:

  •     make deposits to checking account(s)
  •     make deposits to savings account(s)
  •     get cash withdrawals from checking account(s)

−dollar limitations will be disclosed in writing at card issuance

  •     get cash withdrawals from savings account(s)

−dollar limitations will be disclosed in writing at card issuance

  •     transfer funds from savings to checking account(s)
  •     transfer funds from checking to savings account(s)
  •     get information about:

−the account balance of your checking account(s)

−the account balance of your savings account(s)

There is a charge per transaction (withdrawal or balance inquiry) at ATMs we do not own or operate. See fee schedule for charges.
Some of these services may not be available at all terminals.

Types of ATM Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person) and pay for services (in person).

Point-of-Sale Transactions – dollar limitations – Using your card:

  •     dollar limitations will be disclosed in writing at card issuance

Types of Visa Debit Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

Point-of-Sale Transactions – dollar limitations – Using your card:

  •     dollar limitations will be disclosed in writing at card issuance

Wilson & Muir Online Banking – You may access your account(s) by computer through the internet by logging onto our website at www.wilsonmuirbank.com and using your password, to:

Wilson & Muir Online

  •     access to all of your WMB accounts
  •     transfer between your WMB accounts

All transactions received by our host computer by 4:00 P.M. (EST) will post on that day’s business. All transactions received after 4:00 P.M. will post on the following business day.

  •     make WMB loan payments
  •     review statement histories
  •     track and update financial portfolios through our stock quote mode
  •     download directly to Quicken®, Microsoft® Money or other personal financial software
  •     safety and privacy ensured through Multi-layered security

Bill Pay

  •     schedule payment of any bill electronically from your WMB account
  •     easily add, delete or modify bill payees or amounts
  •     view pending payments to verify information
  •     view history of payments made and track payments made
  •     view and edit user data
  •     ask questions and receive responses via email

FEES

  •     Please refer to our separate fee schedule for information about charges.

ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATION

  •     Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.
  •     Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the  person or company making the deposit will tell you every time they send us the money.
  •     Periodic statements.

You will get a monthly account statement from us for your checking accounts.

You will get a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

PREAUTHORIZED PAYMENTS

  •     Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:

Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Please refer to our separate fee schedule for the amount we will charge you for each stop-payment order you give.

  •     Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
  •     Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION’S LIABILITY

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable for instance:

  1.     If, through no fault of ours, you do not have enough money in your account to make the transfer.
  2.     If you have an overdraft line and the transfer would go over the credit limit.
  3.     If the automated teller machine where you are making the transfer does not have enough cash.
  4.     If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  5.     If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
  6.     There may be other exceptions stated in our agreement with you.

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

  1.     where it is necessary for completing transfers; or
  2.     in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  3.     in order to comply with government agency or court orders; or
  4.     as explained in the separate Privacy Disclosure.

UNAUTHORIZED TRANSFERS

(a) Consumer liability.

  •     Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

  •  Additional Limit on Liability for Visa Debit Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa Debit Card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number which are not processed by VISA®, or to commercial cards.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  1.     Tell us your name and account number (if any).
  2.     Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3.     Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days for Visa Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

WILSON & MUIR BANK & TRUST COMPANY
107 N 3RD STREET
BARDSTOWN, KY 40004
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: 1-888-466-5996
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

USA Patriot Act

The USA PATRIOT Act: Preserving Life and Liberty
(Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism)

Congress enacted the Patriot Act by overwhelming, bipartisan margins, arming law enforcement with new tools to detect and prevent terrorism: The USA Patriot Act was passed nearly unanimously by the Senate 98-1, and 357-66 in the House, with the support of members from across the political spectrum.

The Act Improves Our Counter-Terrorism Efforts in Several Significant Ways:

 

1.The Patriot Act allows investigators to use the tools that were already available to investigate organized crime and drug trafficking.

Many of the tools the Act provides to law enforcement to fight terrorism have been used for decades to fight organized crime and drug dealers, and have been reviewed and approved by the courts. As Sen. Joe Biden (D-DE) explained during the floor debate about the Act, "the FBI could get a wiretap to investigate the mafia, but they could not get one to investigate terrorists. To put it bluntly, that was crazy! What's good for the mob should be good for terrorists." (Cong. Rec., 10/25/01)

  •  Allows law enforcement to use surveillance against more crimes of terror.Before the Patriot Act, courts could permit law enforcement to conduct electronic surveillance to investigate many ordinary, non-terrorism crimes, such as drug crimes, mail fraud, and passport fraud. Agents also could obtain wiretaps to investigate some, but not all, of the crimes that terrorists often commit. The Act enabled investigators to gather information when looking into the full range of terrorism-related crimes, including: chemical-weapons offenses, the use of weapons of mass destruction, killing Americans abroad, and terrorism financing.
  •  Allows federal agents to follow sophisticated terrorists trained to evade detection. For years, law enforcement has been able to use "roving wiretaps" to investigate ordinary crimes, including drug offenses and racketeering. A roving wiretap can be authorized by a federal judge to apply to a particular suspect, rather than a particular phone or communications device. Because international terrorists are sophisticated and trained to thwart surveillance by rapidly changing locations and communication devices such as cell phones, the Act authorized agents to seek court permission to use the same techniques in national security investigations to track terrorists.
  •  Allows law enforcement to conduct investigations without tipping off terrorists. In some cases if criminals are tipped off too early to an investigation, they might flee, destroy evidence, intimidate or kill witnesses, cut off contact with associates, or take other action to evade arrest. Therefore, federal courts in narrow circumstances long have allowed law enforcement to delay for a limited time when the subject is told that a judicially-approved search warrant has been executed. Notice is always provided, but the reasonable delay gives law enforcement time to identify the criminal's associates, eliminate immediate threats to our communities, and coordinate the arrests of multiple individuals without tipping them off beforehand. These delayed notification search warrants have been used for decades, have proven crucial in drug and organized crime cases, and have been upheld by courts as fully constitutional.
  •  Allows federal agents to ask a court for an order to obtain business records in national security terrorism cases. Examining business records often provides the key that investigators are looking for to solve a wide range of crimes. Investigators might seek select records from hardware stores or chemical plants, for example, to find out who bought materials to make a bomb, or bank records to see who's sending money to terrorists. Law enforcement authorities have always been able to obtain business records in criminal cases through grand jury subpoenas, and continue to do so in national security cases where appropriate. These records were sought in criminal cases such as the investigation of the Zodiac gunman, where police suspected the gunman was inspired by a Scottish occult poet, and wanted to learn who had checked the poet's books out of the library. In national security cases where use of the grand jury process was not appropriate, investigators previously had limited tools at their disposal to obtain certain business records. Under the Patriot Act, the government can now ask a federal court (the Foreign Intelligence Surveillance Court), if needed to aid an investigation, to order production of the same type of records available through grand jury subpoenas. This federal court, however, can issue these orders only after the government demonstrates the records concerned are sought for an authorized investigation to obtain foreign intelligence information not concerning a U.S. person or to protect against international terrorism or clandestine intelligence activities, provided that such investigation of a U.S. person is not conducted solely on the basis of activities protected by the First Amendment.

 

2.The Patriot Act facilitated information sharing and cooperation among government agencies so that they can better "connect the dots."

The Act removed the major legal barriers that prevented the law enforcement, intelligence, and national defense communities from talking and coordinating their work to protect the American people and our national security. The government's prevention efforts should not be restricted by boxes on an organizational chart. Now police officers, FBI agents, federal prosecutors and intelligence officials can protect our communities by "connecting the dots" to uncover terrorist plots before they are completed. As Sen. John Edwards (D-N.C.) said about the Patriot Act, "we simply cannot prevail in the battle against terrorism if the right hand of our government has no idea what the left hand is doing" (Press release, 10/26/01)

  • Prosecutors and investigators used information shared pursuant to section 218 in investigating the defendants in the so-called “Virginia Jihad” case. This prosecution involved members of the Dar al-Arqam Islamic Center, who trained for jihad in Northern Virginia by participating in paintball and paramilitary training, including eight individuals who traveled to terrorist training camps in Pakistan or Afghanistan between 1999 and 2001. These individuals are associates of a violent Islamic extremist group known as Lashkar-e-Taiba (LET), which operates in Pakistan and Kashmir, and that has ties to the al Qaeda terrorist network. As the result of an investigation that included the use of information obtained through FISA, prosecutors were able to bring charges against these individuals. Six of the defendants have pleaded guilty, and three were convicted in March 2004 of charges including conspiracy to levy war against the United States and conspiracy to provide material support to the Taliban. These nine defendants received sentences ranging from a prison term of four years to life imprisonment.

 

3.The Patriot Act updated the law to reflect new technologies and new threats.

The Act brought the law up to date with current technology, so we no longer have to fight a digital-age battle with antique weapons-legal authorities leftover from the era of rotary telephones. When investigating the murder ofWall Street Journalreporter Daniel Pearl, for example, law enforcement used one of the Act's new authorities to use high-tech means to identify and locate some of the killers.

 

  •  Allows law enforcement officials to obtain a search warrant anywhere a terrorist-related activity occurred. Before the Patriot Act, law enforcement personnel were required to obtain a search warrant in the district where they intended to conduct a search. However, modern terrorism investigations often span a number of districts, and officers therefore had to obtain multiple warrants in multiple jurisdictions, creating unnecessary delays. The Act provides that warrants can be obtained in any district in which terrorism-related activities occurred, regardless of where they will be executed. This provision does not change the standards governing the availability of a search warrant, but streamlines the search-warrant process.
  •  Allows victims of computer hacking to request law enforcement assistance in monitoring the "trespassers" on their computers. This change made the law technology-neutral; it placed electronic trespassers on the same footing as physical trespassers. Now, hacking victims can seek law enforcement assistance to combat hackers, just as burglary victims have been able to invite officers into their homes to catch burglars.

 

4.The Patriot Act increased the penalties for those who commit terrorist crimes.

Americans are threatened as much by the terrorist who pays for a bomb as by the one who pushes the button. That's why the Patriot Act imposed tough new penalties on those who commit and support terrorist operations, both at home and abroad. In particular, the Act:

  •  Prohibits the harboring of terrorists. The Act created a new offense that prohibits knowingly harboring persons who have committed or are about to commit a variety of terrorist offenses, such as: destruction of aircraft; use of nuclear, chemical, or biological weapons; use of weapons of mass destruction; bombing of government property; sabotage of nuclear facilities; and aircraft piracy.
  •  Enhanced the inadequate maximum penalties for various crimes likely to be committed by terrorists: including arson, destruction of energy facilities, material support to terrorists and terrorist organizations, and destruction of national-defense materials.
  •  Enhanced a number of conspiracy penalties, including for arson, killings in federal facilities, attacking communications systems, material support to terrorists, sabotage of nuclear facilities, and interference with flight crew members. Under previous law, many terrorism statutes did not specifically prohibit engaging in conspiracies to commit the underlying offenses. In such cases, the government could only bring prosecutions under the general federal conspiracy provision, which carries a maximum penalty of only five years in prison.
  •  Punishes terrorist attacks on mass transit systems.
  •  Punishes bioterrorists.
  •  Eliminates the statutes of limitations for certain terrorism crimes and lengthens them for other terrorist crimes.

The government's success in preventing another catastrophic attack on the American homeland since September 11, 2001, would have been much more difficult, if not impossible, without the USA Patriot Act. The authorities Congress provided have substantially enhanced our ability to prevent, investigate, and prosecute acts of terror.

Privacy Notice

FACTS WHAT DOES WILSON & MUIR BANK & TRUST DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and account balances
  • credit card or other debt and credit history
  • payment history and transaction or loss history

When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons WILSON & MUIR BANK & TRUST chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does WILSON & MUIR BANK & TRUST share? Can you limit this sharing?
For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus		 Yes No
For our marketing purposes -
to offer our products and services to you		 Yes No
For joint marketing with other financial companies No We don't share.
For our affiliates' everyday business purposes -
information about your transactions and experiences		 Yes No
For our affiliates' everyday business purposes -
information about your creditworthiness		 No We don't share
For affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call toll-free 800-466-5996 or go to www.wilsonmuirbank.com
What we do
Who is providing this notice? Wilson & Muir Bank & Trust Company
What we do
How does WILSON & MUIR BANK & TRUST protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does WILSON & MUIR BANK & TRUST collect my personal information?

We collect your personal information, for example, when you

  • apply for a loan or give us your income information
  • open an account or provide your mortgage information
  • apply for financing

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State law and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affliates include nonfictional companies, such as WMB Title Services
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • WILSON & MUIR BANK & TRUST does not share with nonaffliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • WILSON & MUIR BANK & TRUST doesn't jointly market.

Schedule of Fees

Effective August 28, 2024

Checking Services

Free & Easy Checking Account

No Minimum Balance - No Monthly Service Fee
Unlimited check Writing
Simplified Monthly Statement

Advantage Checking Account

Unlimited Check Writing
First Order of Wallet Style Checks is Free
Free Check Image Statements
Free Email Statements available upon request
Maintain $500.00 minimum or pay $7.50 per month

Senior Advantage: No Monthly Service Fee & Free Wallet Checks beginning at the young age of 50.

Internet Banking Fees

Online Banking *: No Monthly Charge
Bill Pay: No Monthly Charge

Cash Management Services (Business Accounts) *

Setup Fee    $150.00
Monthly Service Fee   $29.95

TeleBank Line

(1-877-965-1116)
No Monthly Charge

Small Business Checking Account

Maintain $500.00 Minimum Balance or pay $10.00
Up to 200 transactions * included per month

Excess transactions are $.25 per item

FREE Check Image Statements
FREE Email Statements available upon request
Up to $15,000 coin and currency handling monthly

Advantage Business Checking Account

Maintain $2,500.00 Minimum Balance or pay $15.00
Up to 500 transactions * included per month
Excess transactions are $.25 per item
FREE Check Image Statements
FREE Email Statements available upon request
Up to $25,000 coin and currency handling monthly
* Transactions include deposit forms, checks deposited, ACH debits and credits and checks drawn against your account.

Business Analysis Checking Account

Account balances receive an earnings credit that is used to offset service charges on the account.
Account is for high-volume businesses
FREE Check Image Statements
FREE Email Statements available upon request
* Transactions include deposit forms, checks deposited, ACH debits and credits and checks drawn against your account.

Premium Advantage Checking Account

Earn Tiered Interest on Entire Balance
Unlimited Check Writing
1 box of Wallet Style Checks is FREE per year
FREE Check Image Statements
FREE Email Statements available upon request
Maintain $1,000 minimum balance or pay $10.00 per month.

Money Market Advantage Account

Savings account with Check Writing privileges
FREE Check Image or Email Statements
Maintain $1,000 minimum balance or pay $10.00 per month
Withdrawal Limitations

Six (6) Withdrawals No Charge
After (6) Withdrawals $5.00 per Withdrawal

Banclub Plus Checking Account

No Minimum Balance
Unlimited Check Writing
"Everywhere Cash" Savings
Banclub checks are FREE
FREE Check Image Statements
FREE AD&D Insurance
Identity Theft Insurance/Identity Fraud Support
Discounted Gift Cards
Free Payment Card Protection
Monthly Membership: $7.00 Individual, $8.00 Joint, $9.00 Family

The following fees are waived or modified for Banclub Accounts
   Safe Deposit Box $5.00 Annual Credit on Box Rent

Savings Services

Maximum Advantage Savings Account

Convenient and Easy Funds Transfers
Interest Paid Monthly - Statement Savings
A withdrawal fee of $2.00 will be charged for each debit transaction in excess of six during a month.
Maintain $100.00 minimum or pay $3.00 per month.
Dormant Service Fee $10.00 per month
(Account is dormant if not active for a period of one year. The fee will be added if account is dormant and has a balance less than $100.00.)

Other Services Fees

Checking Services

Insufficient Funds HANDLING Fees: "Overdrafts"

HANDLING FEE is charged for:
Paid Item Item $33.00 per item
Return Item Item $33.00 per item
(Paid ftem Fee & Return ftem Fee applies to overdrafts created by check. in- person withdrawals. ACH activity. or other electronic means. as applicable when the 
Ledger Balance in your account cannot cover the items presented for payment. Return Item Fees apply each time an item is presented after its initial day presentment as well. Overdraft Fees do not apply to ATM and Visa Debit Card Activity.) 
HANDLING FEE is charged for:
UCF Paid Item Fee $33.00 per item
UCF Return Item Fee $33.00 per item
(Uncollected Funds) Handling Fee is charged when an item is paid or returned, it applies to overdrafts created by check, in-person withdrawals, ACH activity, or other electronic means, as applicable when the Ledger Balance in your account can cover the items presented for payment, but due to Holds, the Available Balance (Ledger Balance minus Holds) is insufficient.
Return Item Fees apply each time an item is presented after its initial day presentment as well. Overdraft Fees do not apply to ATM and Visa Debit Card Activity.)

Overdrawn Accounts (Excessive Overdraft Fee) $5.00 daily fee --- Accounts that are overdrawn in excess of 6 business days (Monday through Friday) or more will be charged a per-day charge starting on business day number 7 and thereafter until the overdraft is eliminated.

Dormant Service Fee $10.00 per month.
(Account is dormant if not active for a period of six months. The fee will be added if account and has a balance less than $500.00.)
Stop Payment Fee $28.00 per item

Account Closing Fee ------

$15.00 Account Closing Fee for accounts closing within first 6 months of account opening.

Overdraft Sweep Fee

$10.00 per sweep. (Notice-Sweep will not always occur. When insufficient funds are not available to cover the overdrawn balance the sweep will not take place

Printed Check Charge

Price Varies with Check Style

Card Services (ATM AND VISA DEBIT CARDS)

ATM Foreign Transaction $1.50 for each Foreign Transactions Conducted at a non Wilson & Muir Bank ATM
Replacement Card Charge $10.00 per card
PIN Number Changes $ 5.00 per PIN Change

Bookkeeping Services

Research $20.00 per hour, plus $1.00 per reproduction
Account Reconcilement $20.00 per hour
Special Statement $ 1.00 per statement

Teller Services

Cashiers Checks $5.00 per check

Collection Services

Coupon Collection $10.00 per envelope
Bond Redemption $15.00 per issue
Check Collection:
   Customer Charges as Incurred
   Non-Customer:
      Incoming $ 5.00 per check
      Outgoing $10.00 per check
Attachments, Garnishments and Levy $100.00 per item
Foreign Currency Exchange Charges as Incurred
(Customers Only)

Wire Services

Customer:
Incoming Wire Fee (customers) $ 10.00 per wire
Outgoing Wires $20.00 per wire
International Wires $40.00 per wire
Non-Customer:
Incoming Wires $15.00 per wire

Night Deposit Services

Lock Bags $ First Bag Free
Additional Bags $ 15.00 each
Replacement Keys $ 1.00 each
Zipper Bags $ First Bag Free
Additional Zipper Bags $ $5.00 each

Safe Deposit Boxes

3" x 5" $15.00 Annually
5" x 5" $20.00 Annually
3" x 11" $25.00 Annually
5" x 10" $30.00 Annually
10" x 10" $60.00 Annually
Drilling & Replacing Lock AT COST
Replacing Keys $20.00 per key

Other Services

Notary Service $5.00
Photocopies $0.25 per copy

Equal Housing Opportunity

We do Business in Accordance With the Fair Housing Act (The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988)

IT IS ILLEGAL TO DISCRIMINATE AGAINST ANY PERSON BECAUSE OF RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS (HAVING ONE OR MORE CHILDREN), OR NATIONAL ORIGIN

  • In the sale or rental of housing or residential lots
  • In advertising the sale or rental of housing
  • In the financing of housing
  • In the appraisal of housing
  • In the provision of real estate brokerage services
  • Redlining is also illegal

Anyone who feels he or she has been discriminated against should send a complaint to:
U.S. Dept. of Housing & Urban Development
Asst. Secretary for Fair Housing and Equal Opportunity,
Washington, DC 20410

Statement of Condition

AS OF DECEMBER 31, 2024

ASSETS (IN THOUSANDS)
CASH & DUE FROM BANKS $   34,847
FEDERAL FUNDS SOLD        2,893
SECURITIES AVAILABLE FOR SALE    215,252
LOANS HELD FOR SALE           115
LOANS, NET    512,395
PREMISES AND EQUIPMENT, NET        7,384
FEDERAL HOME LOAN BANK STOCK, AT COST        1,492
ACCRUED INTEREST RECEIVABLE & OTHER ASSETS      12,341
TOTAL ASSETS $ 786,719
LIABILITIES & STOCKHOLDERS' EQUITY  
NON INTEREST-BEARING DEPOSITS $265,873
INTEREST-BEARING DEPOSITS 434,147
   TOTAL DEPOSITS 700,020
FEDERAL FUNDS PURCHASED 0
FHLB CASH MANAGEMENT ADVANCE 2,000
SECURITIES SOLD UNDER AGREEMENT TO REPURCHASE 42,260
ADVANCES FROM FEDERAL HOME LOAN BANK 0
ACCRUED INTEREST PAYABLE & OTHER LIABILITIES 3,411
TOTAL LIABILITIES 747,691
STOCKHOLDERS EQUITY  
   COMMON STOCK 815
   SURPLUS 1,887
   AUTHORIZED UNISSUED SHARES (825)
   RETAINED EARNINGS 71,499
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (34,348)
TOTAL STOCKHOLDERS' EQUITY 39,028
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $786,719 

Terms & Conditions

Thank you for visiting Wilson & Muir Bank & Trust Co.'s web site. Please carefully read the following terms and conditions of use. By accessing this site you agree to all of the following. If you have any questions regarding these conditions, please contact us at onlinebanking@wilsonmuirbank.com or by calling 502-348-5996 during our normal business hours.

 

Product Information

The information contained herein regarding our products and services is not intended to take the place of agreements governing our products and services or our disclosures made in accordance with federal and state law. Information on our site may not apply to all products and services and is current only as of the date posted. Information presented on this site regarding any of our products and services does not constitute a commitment to provide any such product or service. Eligibility for certain products and services vary, and is subject to final determination and acceptance by us. Please contact us directly at 502-348-5996 for information, or for copies of any applicable agreements or disclosure statements.

 

Use of Information

The information contained on the pages of this web site is intended to provide information only and you should not rely on it for, legal, accounting, financial or tax advice. Please consult with your accounting, legal or financial advisor before using any of this information.

 

Geographical Limitations

Wilson & Muir Bank & Trust Co. is located in the Commonwealth of Kentucky. Our products and services are subject to Kentucky law and are only available to new customers who are residents or businesses located in our geographic markets defined as the cities and counties surrounding our branch offices, and to former and current customers.

 

Copyrights and Trademarks

We either own or have obtained permission to use the copyright in and to all pages, screens, graphics, and text in the site. We also own or have obtained permission to use all intellectual property rights. Your use of this site does not entitle you to any rights in the foregoing.

 

Liability

In no event will Wilson & Muir Bank & Trust Co., its subsidiaries or affiliates have any liability or responsibility for any loss or damage, including, without limitation, any direct, indirect, or consequential, incidental, or special loss or damage, arising out of or relating to the (1) use of or inability to use, print or display all or any portion of this site by you or any other person, or (2) any failure or delay or system failure, virus or other disabling routine, or otherwise. This disclaimer of liability applies even if Wilson & Muir Bank & Trust Co. or its subsidiaries, affiliates or any of its service providers, employees, or affiliates or any of its or their service providers, employees or representatives have been advised of the possibility of any such loss or damage.

 

Additional Disclaimers

Descriptions of, or references to, products, services or publications within this web site do not imply our endorsement or approval of any such product, service or publication. We are not associated with or responsible for any of the external linking web sites that may be accessed through our site and use of any such hyperlinks, or other sites will be at your own risk. The content, accuracy, opinions expressed, products or services offered, and owners are not investigated, verified, monitored, authorized or endorsed by Wilson & Muir Bank & Trust Co.

 

Your agreement to these terms and conditions

By accessing any page of this site, you agree to these Terms and Conditions. If you do not agree, please do not use our site. These Terms and Conditions do not modify or supplement any existing agreement that we may have with you and is not intended to be incorporated as part of any agreement between us. We reserve the right, at our discretion, to change, modify, add, or remove any of these Terms and Conditions at any time. Please check this page periodically for changes. Your continued use of this site following the posting of changes to these Terms and Conditions will mean you accept these changes. These Terms and Conditions are the entire agreement between the parties relating to the use of this site.

 

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