Royal Heritage Commercial Bank Website Terms and Conditions

The following terms and conditions govern the use of our website, which is managed by various subsidiaries of Royal Heritage Commercial Bank North America Holdings, Inc. (collectively referred to as "Royal Heritage Commercial Bank")

The Site is primarily intended for those who access it from within United States. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places.

You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.

The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside of the United States.

Royal Heritage Commercial Bank, or other Members of the Royal Heritage Commercial Bank group of companies (collectively "Royal Heritage Commercial Bank and/or Royal Heritage Commercial Bank Members") maintains this Website and certain other Websites that are linked to this site, and is the owner or the authorized user of all text, images, graphics, photos, animation, music, sounds and other materials contained within these Websites. The materials contained within these Websites, including, without limitation, any copyrights, trademarks, service marks, and all other proprietary materials, are protected by the Global and international copyright laws and treaty provisions, trademarks laws, and other proprietary rights laws. Royal Heritage Commercial Bank and/or Royal Heritage Commercial Bank Members also own(s) a copyright in the selection, coordination and arrangement of the material contained within these Websites.

The material contained within these Websites is provided by Royal Heritage Commercial Bank and/or Royal Heritage Commercial Bank Members only for lawful uses by customers, Royal Heritage Commercial Bank employees, and members of the general public. The material may not be copied, republished, incorporated into another Website or reproduced (whether by linking, framing, or any other method), transmitted, distributed, uploaded, posted, used to create a derivative work or exploited in any other way without the express written consent of Royal Heritage Commercial Bank.

Royal Heritage Commercial Bank holds a license to practice Global Patent Nos. 6,405,181; 6,567,791; and 7,143,063.

Royal Heritage Commercial Bank is licensed by DTC under Global Patent Nos. 5,910,988; 6,032,137; 6,594,647; 6,341,272; 5,974,146.

NEITHER Royal Heritage Commercial Bank AND/OR Royal Heritage Commercial Bank MEMBERS NOR ANY OTHER PARTY INVOLVED IN THE CREATION, PRODUCTION OR DELIVERY OF THE INFORMATION AT THIS SITE, NOR THE OFFICERS, DIRECTORS, EMPLOYEES OR REPRESENTATIVES OF ANY OF THE FOREGOING, ARE LIABLE IN ANY WAY FOR ANY INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THIS SITE OR THE USE OF THIS SITE OR A LINKED SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE OR A LINKED SITE, WHETHER OR NOT Royal Heritage Commercial Bank IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES, DATA OR HARMFUL CODE THAT MAY AFFECT A USER'S EQUIPMENT, ANY INCOMPATIBILITY BETWEEN THIS SITE'S FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM. OR ANY FAILURE OF ANY ELECTRONIC OR TELEPHONE EQUIPMENT, COMMUNICATION OR CONNECTION LINES, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, OR ANY FORCE MAJEURE. Royal Heritage Commercial Bank DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THIS SITE OR A LINKED SITE. THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THE LINKED SITES ARE NOT NECESSARILY INVESTIGATED, VERIFIED, MONITORED OR ENDORSED BY Royal Heritage Commercial Bank. THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTION OF SERVICES PUBLISHED ON THE SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND Royal Heritage Commercial Bank AND/OR Royal Heritage Commercial Bank MEMBERS SPECIFICALLY DISCLAIM ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION ON THE SITE AND LINKED SITES. Royal Heritage Commercial Bank MAY MAKE IMPROVEMENTS OR CHANGES TO THE SITE AT ANY TIME.

ALL PRODUCTS, SERVICES AND CONTENT ON THIS SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY. NEITHER Royal Heritage Commercial Bank NOR ANY Royal Heritage Commercial Bank MEMBERS ENDORSES AND NONE ARE RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION ON THIS SITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON THIS SITE. Royal Heritage Commercial Bank SPECIFICALLY DISCLAIMS ANY DUTY TO UPDATE THE INFORMATION ON THE SITE.

USER AGREES TO INDEMNIFY, DEFEND, AND HOLD Royal Heritage Commercial Bank AND/OR Royal Heritage Commercial Bank MEMBERS HARMLESS FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY'S FEES RELATED TO A USER'S VIOLATION OF THESE TERMS OF USE OR THE USE OF THE SERVICES AND INFORMATION PROVIDED AT THIS SITE.

Clicking on certain links within this Website or certain other Websites that are linked to this Website may take you to other Websites, or may display information on your computer screen from other Websites, which may not be maintained by Royal Heritage Commercial Bank. Such Websites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to this Website. Links to other Internet services and Websites are provided solely for the convenience of users. A link to any service or Website is not an endorsement of any kind of the service or Website, its content, or its sponsoring organization.

Royal Heritage Commercial Bank AND/OR Royal Heritage Commercial Bank MEMBERS ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEBSITE, TO WHICH THIS SITE IS LINKED (A "LINKED SITE") AND SUCH LINKED SITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY Royal Heritage Commercial Bank. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON A LINKED SITE. ALL PRODUCTS, SERVICES AND CONTENT OBTAINED FROM A LINKED SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY.

We do not knowingly solicit or collect personal information from children under the age 13, without parental consent.

We have taken reasonable steps to ensure the confidentiality of information taken at this Website and transmitted via the Internet. However, unexpected changes in technology may be used by unauthorized third parties to intercept confidential information and we cannot be responsible should confidential information be intercepted and subsequently used by an unintended recipient.

All Website activity or use and these Terms and Conditions are governed by the laws of the United States of America and the applicable laws of the State of Delaware, without regard to conflict of law principles.

The information and materials contained in this Website, including but not limited to these Terms and Conditions and any product information, are subject to change without notice. Users are deemed to be apprised of and bound by any such changes. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by us.

Any waiver of any provision contained in these Terms and Conditions shall not be deemed to be a waiver of any other right, term or provision of these Terms and Conditions. If any provision in these Terms and Conditions shall be or become wholly or partially invalid, illegal or unenforceable, such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired thereby.

Access to and use of password protected and/or secure areas of this Website is restricted to authorized users only. Unauthorized persons attempting to access these areas of the Website may be subject to prosecution.