IMPORTANT INFORMATION

Unizan Financial Corp. and its subsidiaries (collectively called "Unizan") require that all visitors (collectively called "User") to its site(s) on the Worldwide Web adhere to the following terms and conditions. By accessing this site, User indicates User's acceptance of and agreement to those terms and conditions as amended by Unizan.

1. COPYRIGHT AND TRADEMARKS

The trademarks, logos and service marks displayed on the site are the property of Unizan. Users are prohibited from using any marks without the written permission of Unizan. All content displayed or available through the site is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any content on the site for any commercial, public, or unlawful purpose.

2. LINKED INTERNET WEB SITES
There are internet links to sites not maintained by Unizan. Unizan has provided these internet links for User convenience and not for trading or investment purposes. Unizan does not endorse or accept responsibility for any such web site or the information contained thereon. Any web site linked to Unizan site is independent from Unizan. As a result, Unizan has no control over the Content, Products, Services, Materials, or other information contained in or available through these third party web sites and is not responsible for the accuracy, the completeness, or the timeliness of the information contained on these third party sites. The quality and dependability of these third party web sites may vary as they are updated or altered. Unizan does not endorse companies or products to which it links. Access to any other web sites linked to Unizan's site is at the User's own risk.

3. SAFE HARBOR STATEMENT/ FORWARD-LOOKING STATEMENTS

Statements made within this web site include forward-looking statements that are subject to certain risks and uncertainties. Unizan Financial Corp.'s actual results, performance or achievements may differ materially from those expressed or implied in the forward looking statements. Risk or uncertainties that could cause or contribute to such material differences include but are not limited to, general economic conditions, interest rate environment, competitive conditions in the financial services industry, changes in law, governmental policies and regulations and rapidly changing technology affecting financial services. Reference is made to Unizan Financial Corp.'s filings with the Securities and Exchange Commission, including its annual report on Form 10K for the year ended December 31, 1999, and other periodic filings, for a description of the foregoing and other factors that could cause actual results to differ materially from those in the forward looking statements found on this site.

4. NO DUTY TO UPDATE

Unizan makes no commitment to update information contained on this site. Information provided by Unizan on this web site is offered as a convenience. Information provided in the form of a press release is accurate only as of the date of the release as indicated. Unizan does not warrant that the information is current beyond the date of the release. Unizan makes no warranty as to the accuracy or timeliness of the information contained on any linked site.

5. APPLICABLE LAW FORUM

This site (excluding linked sites) is controlled by Unizan from the State of Ohio, United States of America. By accessing this site, User and Unizan agree that all matters relating to User's access to, or use of, this site shall be governed by the statutes and laws of the State of Ohio, and the federal laws of the U.S.A., without regard to the conflicts of laws principals thereof. The application of the United Nations Convention of Contracts For The International Sale of Goods and the Model Uniform Computer Information Transaction Act approved by the National Conference of Commissioners on Uniform State Laws (as enacted and/or modified into any state law in the U.S.A.), are expressly excluded and shall not apply.

6. CHANGE IN TERMS AND CONDITIONS

Unizan reserves the right to revise the terms and conditions at any time. By posting the revised terms and conditions on the site, User is deemed to be apprised of and bound by any changes to these terms and conditions unless User notifies Unizan of User's objection to and refusal to accept the changes by sending written notice of such objection to Unizan at "Unizan Financial Corp., P.O. Box 24190, Canton, Ohio 44701, and include User's name, social security number, telephone number, and sign and date User's correspondence. However, if User continues to access or use the Unizan web site, or any service or product, such action shall constitute User's acceptance and agreement of the changes in the terms and conditions not withstanding any written notice of objection to the contrary.