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Disclaimer

These Terms of Use and other terms from time to time appearing on any webpage to or from which you are directed by the LUCAYAS BANK website apply to all users of www.lucayasbank.com as well with any other affiliated sites, applications or services accessed by or through the website (the “LUCAYAS BANK Website”).

These Terms of Use as well as the information contained on the LUCAYAS BANK Website are subject to change at any time, from time to time, without notice.
By accessing the LUCAYAS BANK Website, you agree to be legally bound by the Terms of Use then in effect.
Private Investment Bank Limited (“LUCAYAS BANK” or “the Bank”) may add features to or remove features from the LUCAYAS BANK Website at any time in its sole discretion.
Your continued access of the LUCAYAS BANK Website following any modification of these Terms of Use will constitute your acceptance of the Terms of Use as modified.

If you do not agree to be bound by these Terms of Use, you should not use or continue to use the LUCAYAS BANK Website.

Use of Information and Materials

Products and services displayed on the LUCAYAS BANK Website may not be eligible for sale or available topersons resident or located in certain jurisdictions or to certain categories of investors. Please consult any applicable terms and conditions or a professional adviser for further information.

Any materials, information or reports published, distributed or otherwise made available on the LUCAYAS BANK Website is published for information purposes and is subject to change at any time without notice.

Such information does not take into consideration specific investment objectives, financial condition or specific needs of any user or recipient of information and should not be construed as a solicitation, offer or recommendation to buy or sell any securities, investment or other financial instruments, to carry out any transactions or to conclude any legal act of any kindwhatsoever. Unless specifically stated otherwise, all price information is indicative only.

No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the information or materials, nor are they a complete statement of the securities, markets or developments referred to herein. The materials should not be regarded by users or recipients as a substitute for the exercise of their own judgment.

Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or groups of LUCAYAS BANK.

LUCAYAS BANK is not under any obligation to updateor keep current the information contained herein nor to remove any outdated information from the LUCAYAS BANK Website or to expressly mark it as being outdated.

Persons accessing the LUCAYAS BANK Website are required to determine whether there are any legal or regulatory restrictions which apply and to observe any relevant laws, regulations and local practices whether in relation to those restrictions, or otherwise, and consider their own individualcircumstances before acting on the said information.

The LUCAYAS BANK Website and all information and functionalities contained within should not be regardedas an offer or solicitation to sell investments to any person in any jurisdiction to whom it is unlawful to make such invitation or solicitation nor is it directed at or intended for use by any person resident or located in any jurisdiction where (1) the distribution of such information or functionality is contrary to the laws of such jurisdiction or (2) such distribution is lawfully prohibited without the appropriate approvals.

LUCAYAS BANK does not provide investment, legal or tax advice through the LUCAYAS BANK Website and nothing herein should be construed as being financial, legal, tax or other advice. LUCAYAS BANK does not represent that any securities or services discussed are suitable for any investor. No investment or other decisions should be made solely based on the contents or information found on theLUCAYAS BANK Website. When making a decision about investments, you should seek the advice of a professional financial advisor or qualified expert.

Warranty

Your use of the LUCAYAS BANK Website is at your own risk. The LUCAYAS BANK Website, together with all content, information and materials contained therein, is provided “as is” and “as available”, without any representations or warranties of any kind.

Although LUCAYAS BANK has taken particular care in preparing information and materials contained on this website, LUCAYAS BANK does not warrant the accuracy, completeness or adequacy of such materials, information, content and functionalities herein.

LUCAYAS BANKexpressly disclaims all representations or warranties of any kind, whether express, implied or statutory, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose.

Without limiting the foregoing, LUCAYAS BANK does not warrant the accuracy, timeliness, completeness, security, reliability or availability of the LUCAYAS BANK Website or the information or results obtained from use of the LUCAYAS BANK Website, or that the LUCAYAS BANK Website is virus-free or error- free.

Liability

You are solely responsible for acquiring and maintaining electronic devices and equipment that can accommodate and will allow access and use of the LUCAYAS BANK Website and for taking adequate and appropriate data security measures in accordance with good industry practice to protect yourself against fraud or cyber-attacks on a continuous basis. LUCAYAS BANK specifically disclaims all liability for tampering with any user’s computer system by unauthorized parties, or for losses or liabilities suffered by any user arising from viruses or attacks by hackers.

To the fullest extent permitted by law, in no event shall LUCAYAS BANK or its affiliates, or any of itsdirectors, employees, contractors, service providers or agents have any liability whatsoever to any person for any direct or indirect loss, liability, cost, claim, expense or damage of any kind (including any incidental, special, punitive or consequential damages), whether in contract or in tort, including negligence, or otherwise, arising out of or related to the use of all or part of the LUCAYAS BANK Website and its content, or any links to third party websites or the inability to use the LUCAYAS BANK Website.

This disclaimer of liability applies to any and all damages or injury, including those caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, transmission blackout, computer virus, communication line failure, theft, destruction, or unauthorized access, whether for breach of contract, tortious behavior, negligence or under any other cause of action.

Copyright and Trademarks

LUCAYAS BANK, or applicable third-party owners retain all right, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other right) to the trade marks,logos and service marks displayed on the LUCAYAS BANK Website and users are strictly prohibited from, without limitation, modifying, copying, transmitting, distributing, displaying, reproducing, publishing, transferring or otherwise using, in any other way, any information, material, images or software obtained from the LUCAYAS BANK Website without the prior written consent of LUCAYAS BANK or such other parties.

Electronic Communications

Information accessed using or sent by way of the Internet may neither be confidential nor secure. LUCAYAS BANK will not be responsible for any damages of any kind incurred by youaccessing the LUCAYAS BANK Website, sending information to the Bank, or if the Bank sends information to you, at your request, over the Internet or otherwise by electronic means.

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