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PLEASE READ THESE CONDITIONS OF USE CAREFULLY. BY ACCESSING THIS SITE, YOU ACKNOWLEDGE THESE CONDITIONS AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THE CONDITIONS, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

All CIBC FirstCaribbean and CIBC FirstCaribbean affiliate products and services are subject to the terms of the applicable agreements governing their use.

CIBC FirstCaribbean and CIBC FirstCaribbean affiliate products and services are available in certain Caribbean countries and only in those other jurisdictions where they may be legally offered. This communication does not constitute an offer or solicitation to anyone in any jurisdiction in which such an offer or solicitation is not authorised or to any person to whom it is unlawful to make such a solicitation.

The information on this site is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual and you should not rely on it as such. CIBC FirstCaribbean and its affiliates are not responsible in any way for any damages (direct, indirect, special or consequential), however resulting from your use of this site or the information on the site.

While every effort is made to ensure that the information and materials contained in this site, including text, graphics, links to other Internet resources or other items is accurate, they are provided on an "as is" basis. CIBC FirstCaribbean and its affiliates do not warrant the accuracy, adequacy, timeliness, or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express, or statutory is given in conjunction with the information and materials.

The information and materials contained in this site are provided as a service only, do not constitute the official version of any of CIBC FirstCaribbean's disclosure documents and may not always be the most current source for information about CIBC FirstCaribbean and its affiliates. Changes may be made at any time to information and materials contained in this site without prior notice. Internet software or transmission problems may produce inaccurate or incomplete copies of information and materials that may be downloaded and displayed on a party's computer.

In no event will CIBC FirstCaribbean be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential or punitive damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, loss of data or otherwise, even if CIBC FirstCaribbean, or representatives thereof, are advised of the possibility of such damages, losses of expenses. Hyperlinks to other Internet resources or web sites are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by CIBC FirstCaribbean and its affiliates.

CIBC FirstCaribbean makes no representations whatsoever about any other web site which you may access through this one. When you access a non-CIBC FirstCaribbean web site, please understand that it is independent from CIBC FirstCaribbean, and that CIBC FirstCaribbean has no control over the content on that web site. In addition, a link to a non-CIBC FirstCaribbean web site does not mean that CIBC FirstCaribbean endorses or accepts any responsibility for the content, or use, of such web site. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

This web site may contain forward-looking statements about the operations, objectives and strategies of CIBC FirstCaribbean. Forward-looking statements are typically identified by the words "believe", "expect", "anticipate", "intend", "estimate", and other similar expressions. These statements are subject to risks and uncertainties. Actual results may differ due to a variety of factors, including legislative or regulatory development, competition, technological change, global capital market activity, interest rates and general economic conditions internationally. This list is not exhaustive of the factors that may affect any of CIBC FirstCaribbean's forward-looking statements. These and other factors should be considered carefully and readers should not place undue reliance on CIBC FirstCaribbean's forward-looking statements.

LEGAL INFORMATION

CIBC FirstCaribbean International Bank is licensed to conduct commercial banking business in the islands of: Anguilla, Antigua, Bahamas, Barbados, Belize, British Virgin Islands, Cayman Islands, Curacoa, Dominica, Grenada, Jamaica, St. Kitts & Nevis, St. Lucia, St. Maarten, St. Vincent and the Grenadines, Turks and Caicos Islands and Trinidad and Tobago.

Deposits made with CIBC FirstCaribbean International Bank do not fall under the Financial Services Compensation Scheme established pursuant to the UK Financial Services and Markets Act, 2000 (as amended).

CIBC FirstCaribbean International Bank is not authorised under the Financial Services and Markets Act, 2000 to carry on investment business in the United Kingdom. Furthermore we are not regulated by the Financial Services Authority nor are any monies payable under the UK's Financial Services Compensation Scheme.

CIBC FirstCaribbean International Bank is not licensed to conduct banking business in the United States or Canada. There is no compensation scheme such as deposit insurance in the territories in which we operate covering deposits.

CIBC FirstCaribbean International Bank is not offering securities or investment advisory or brokerage services in the United States or to any U.S. person and as such has not registered any securities and is not registered or licensed as an investment advisor or broker under United States securities laws. No access to information herein should be construed as an offer of securities, products, services or investment vehicles, directly or indirectly, in the United States or to any U.S. person. "United States" is herein defined as - the United States of America (including the States and the District of Columbia), its territories, its possessions and other areas subject to its jurisdiction including the Commonwealth of Puerto Rico and "U.S. person" has the meaning set forth in Regulation S under the Securities Act of 1933, as amended, and includes, among other things, any natural person resident in the United States, any corporation, partnership or other entity formed under United States laws, and certain estates and trusts for which a U.S. person acts as an executor, administrator or trustee.