PRIVACY

Unless restricted by applicable laws, you agree that any and all personal data relating to you collected by the Bank from this Web Site may from time to time be used and disclosed for such purposes and to such persons as may be in accordance with the Bank’s prevailing Privacy Policy as amended from time to time.

INVESTMENT PRODUCTS

The price of securities can and does fluctuate, and any individual security may experience upward or downward movements, and may even become valueless. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling securities.

The risk of loss in trading futures contracts or options can be substantial. In some circumstances, you may sustain losses in excess of your initial margin funds. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily achieve the desired results. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account. You should therefore study and understand futures contracts and options before you trade and carefully consider whether such trading is suitable in the light of your own investment objectives, financial circumstances, tolerance to risks and investment experience.

You should also read any risk disclosure statement contained in any particular investment product you intend to purchase, subscribe or trade. If in doubt, please seek specific professional advice.

INDEMNITY

YOU HEREBY AGREE TO INDEMNIFY AND TO KEEP THE BANK FULLY AND EFFECTIVELY INDEMNIFIED AGAINST ANY ACTION, LIABILITY, COST, CLAIM, LOSS, DAMAGE, PROCEEDING OR EXPENSE (INCLUDING LEGAL FEES, COSTS AND EXPENSES ON A FULL INDEMNITY BASIS) SUFFERED OR INCURRED BY THE BANK ARISING FROM OR WHICH IS DIRECTLY OR INDIRECTLY RELATED TO:

TERMINATION

Unless restricted by applicable laws, you agree that any and all personal data relating to you collected by the Bank from this Web Site may from time to time be used and disclosed for such purposes and to such persons as may be in accordance with the Bank’s prevailing Privacy Policy as amended from time to time.

MODIFICATION

The Bank reserves the right in its discretion to change at any time without prior warning or notice any information or material contained on this Web Site and is entitled to from time to time amend the terms and conditions under which this Web Site is used with prior notice to you. If you continue to access to this Web Site or use any of the online services after such modification, you are regarded to have agreed to be bound by such modified information, material, and terms and conditions.

INTELLECTUAL PROPERTY RIGHTS

All contents of this Web Site including but not limited to the texts, graphics, links and sounds are the copyright of 1st Capital Union Bank and may not be copied, downloaded, distributed or published in any way without the prior written consent of 1st Capital Union Bank. “1st Capital Union Bank”, “1st Capital Union Bank”, 1st Capital Union Bank, are registered trade marks and service marks of 1st Capital Union Bank and no permission or license is granted to use any such trade marks or service marks without the prior written consent of 1st Capital Union Bank. All other marks, names and logos used on this Web Site relating to companies within the 1st Capital Union Bank Group or to their products or services are the intellectual property rights held by companies within the 1st Capital Union Bank Group unless otherwise stated.

In relation to any information or materials which you submit to 1st Capital Union Bank using this Web Site, you hereby grant to 1st Capital Union Bank a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such information or materials for any purpose it deems including, without limitation, the copying, transaction, distribution and publication thereof, unless restricted by applicable laws.

You agree that 1st Capital Union Bank shall not be under any obligation of confidentiality to you regarding any such information or material submitted to it using this Web Site unless agreed otherwise in a separate direct contract between you and 1st Capital Union Bank or required by applicable laws.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this Web Site.

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