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Website User Agreement

This Agreement contains the following provisions:

1. YOUR ACCEPTANCE OF THIS AGREEMENT

This is an agreement (the "Agreement") between you and all persons you represent (and for purposes of this Agreement, "person" includes natural persons and any type of incorporated or unincorporated entity or organization) and The Bank of Bermuda Limited ("Bank of Bermuda"), and governs your access to and use of the Bank of Bermuda website and the content, information and services provided on or through the website, including all on-line tools (including applications and calculators) available on or through the website (collectively the "Website"). This Agreement also provides benefits to Bank of Bermuda's affiliates, service providers, agents, suppliers and sub-contractors, including HSBC plc and its subsidiaries (collectively, "Affiliates and Providers"). Each time you use the Website you signify your acceptance and agreement, and the acceptance and agreement of all persons you represent, without limitation or qualification, to be bound by this Agreement as it then reads, and you represent and warrant that you have the legal authority to agree to and accept this Agreement on behalf of yourself and all persons you represent. If you do not agree with each provision of this Agreement, or you are not authorized to agree to and accept this Agreement, you may not use the Website.

2. PERMITTED USERS

The Website is intended to be accessed and used only by individuals located in Bermuda who can form legally binding contracts under applicable law, and have accepted this Agreement. Persons using the Website must comply with all applicable laws. If you choose to enter this Website outside of Bermuda, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on this site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction.

3. AVAILABILITY OF PRODUCTS AND SERVICES

The products and services of Bank of Bermuda and the Affiliates and Providers referenced on the Website are available to residents of Bermuda and certain non-residents. The availability to non-residents depends on the product or services requested. Bank of Bermuda reserves the right to make the final determination on whether or not you are eligible for any particular product or service.

4. CHANGES TO THIS AGREEMENT

Notwithstanding any other terms in any agreements with Bank of Bermuda, Bank of Bermuda may, in its discretion, change, supplement or amend this Agreement from time to time, for any reason, and without any prior notice or liability to you or any other person, by posting a revised agreement on the Website. Each time you use the Website, you should check the date of this Agreement (which appears at the end of this Agreement) and review any changes since the last version. By using the Website after this Agreement has been revised, you signify your acceptance and agreement, and the acceptance and agreement of all persons you represent, without limitation or qualification, to be bound by the revised Agreement, and you represent and warrant that you have the legal authority to agree to and accept the revised Agreement on behalf of yourself and all persons you represent. If you do not agree with each provision of the revised Agreement, or you are not authorized to agree to and accept the revised Agreement, you may not use the Website. You may not change, supplement, or amend this Agreement in any manner.

5. THIS AGREEMENT AND OTHER AGREEMENTS

This Agreement is in addition to and supplements any written agreements that you or any persons you represent have with Bank of Bermuda or any Affiliates and Providers (now or in the future) concerning your dealings with Bank of Bermuda or the Affiliates and Providers generally. Bank of Bermuda products and services (including Internet Banking services) available and/or referenced on the Website may be subject to the applicable agreements governing their supply and use (the "Service Agreements"). If there is any inconsistency or conflict between the provisions of this Agreement and the provisions of a Service Agreement, this Agreement will govern in respect to the matters covered in section 4 above, and the applicable Service Agreement will govern in respect to all other matters.

6. NO ADVICE

Except for Internet Banking, On-Line Applications and On-line Requests, the Website is for informational or general illustrative purposes only. The Website is not guaranteed to be accurate, complete, or timely. The Website is not intended to be a comprehensive or detailed statement concerning the matters addressed; investment, tax, banking, accounting, legal, or other professional or expert advice or recommendations; or an offer, solicitation, or recommendation to sell or buy any stock, bond or other financial instrument or any product or service. You should obtain appropriate, qualified professional advice before acting or omitting to act based upon any information provided on or though the Website.

7. INTERNET BANKING, APPLICATIONS, AND REQUESTS

Certain portions of the Website relating to on-line transactions (“Internet Banking”) may be accessed only by Bank of Bermuda customers who have agreed to be bound by the applicable internet banking service agreement and to whom a personal access number and password have been issued. The Website also allows users to complete and submit applications for Bank of Bermuda products and services (“On-line Applications”), and to request specific types of information from Bank of Bermuda (“On-line Requests”). On-line Applications and On-line Requests may only be made using appropriate application forms available through the Website, and not through email.

8. NO OTHER TRANSACTIONS

Except for Internet Banking, On-line Applications and On-line Requests, the Website is established solely for the distribution of information by Bank of Bermuda where permitted by law, and may not be used by you or any other person for any transactions or to provide instructions or information to Bank of Bermuda or any other person regarding any matter.

9. INFORMATION SUBMISSIONS AND COMMUNICATIONS

All information you provide through the Website, including your legal name, residential address, email address, and information relating to Internet Banking transactions, On-line Applications and On-line Requests, must be true, accurate, current and complete. Bank of Bermuda will rely on the information you provide. You will be solely responsible and liable for any and all loss, damage, and additional costs that you, Bank of Bermuda or any other person may incur as a result of your submission of any false, incorrect or incomplete information. You authorize Bank of Bermuda to: (a) accept communications they receive from you by means of the Website as if those communications had been given directly by you in writing and signed by you; (b) disclose your communications to Affiliates and Providers and Bank of Bermuda employees and representatives by means of the Website, email or other communications (to which you hereby consent); and (c) respond to your communications by means of Internet communications, email or other communications. Communications you send to Bank of Bermuda by means of the Website are not effective unless and until they are processed by the responsible Bank of Bermuda representative. Bank of Bermuda may refuse to process any communications sent to Bank of Bermuda by means of the Website, or may reverse the processing of any communications sent to Bank of Bermuda by means of the Website, at any time in Bank of Bermuda’s discretion, and without any notice or liability to you or any other person, including without limitation if: (a) Bank of Bermuda cannot process the communications; (b) the communications violate any provision of this Agreement or any other agreement that you or any other person may have with Bank of Bermuda; (c) Bank of Bermuda considers that the communications may conflict with any other instructions from or agreements with you or any person you represent; or (d) there is an operational failure or malfunction in connection with the transmission of the communications.

10. DATA PROTECTION

Bank of Bermuda and its Affiliates and Providers may hold and process personal information obtained about you when you access the Website and use it to understand your financial needs, to conduct our business with you and to provide you with better products and customer service. Bank of Bermuda and its Affiliates and Providers may share this information with each other.

11. CONFIDENTIALITY AND SECURITY

Bank of Bermuda uses data encryption and firewalls to maintain the security of the information it receives through the Website. Nevertheless, security and privacy risks cannot be eliminated. As a further security precaution, you must access and use the Website using commercially available browser software (such as a current version of NetscapeTM or Internet ExplorerTM) that provides 128-bit encryption and SSL (Secure Sockets Layer) technology, and you may not use your browser software’s “save password” feature. Once you have initiated a session in connection with the Website, you must not leave the computer from which you have accessed the Website unless and until you have terminated the session and logged off the Website. When you complete a session, you are responsible for clearing your browser's cache or temporary Internet files to ensure your personal information is not accessible by others. Emails and Internet communications are not secure or confidential unless properly encrypted. Consequently, Bank of Bermuda discourages the use of email to send personal or financial information to Bank of Bermuda. Persons that use emails and Internet communications for those purposes do so at their own risk, and Bank of Bermuda and the Affiliates and Providers will not be responsible or liable to you or any other person for any loss or damage suffered as a result of your use of email or the Internet to communicate with Bank of Bermuda or the Affiliates and Providers, or the use of email or the Internet by Bank of Bermuda or the Affiliates and Providers to communicate with you or other persons at your request. Certain parts of the Website, including portions of the Internet Banking system are located outside of Bermuda. The information you submit through the Website may be stored inside or outside of Bermuda. Information stored in Bermuda is subject to Bermudian law, and information stored outside of Bermuda is subject to the laws of the jurisdiction in which the information is stored. Bank of Bermuda may be required to disclose your information to third parties in accordance with applicable laws.

12. ERRORS AND CORRECTIONS

Bank of Bermuda endeavours to provide accurate information on and through the Website, but errors may occur and information may become out of date. Bank of Bermuda does not guarantee the accuracy, completeness, or timeliness of the information available on or through the Website. Bank of Bermuda may in its discretion change the information available on or through the Website at any time and from time to time without any notice or liability to you or any other person. You may obtain complete and up-to-date information regarding Bank of Bermuda products and services by contacting Bank of Bermuda branches and offices.

13. CURRENCY, INTEREST RATES

All references in the Website to currency are to the lawful money of Bermuda, unless expressly stated otherwise. Interest rates indicated on the Website are subject to change without prior notice.

14. DISCLAIMER, LIABILITY EXCLUSION, LIABILITY LIMITATION, RELEASE AND INDEMNITY

Bank of Bermuda and the Affiliates and Providers do not accept any liability for your access to and use of the Website. For that reason, the following provisions apply to your access to and use of the Website.

DISCLAIMER

YOUR ACCESS TO AND USE OF THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, AND WITHOUT ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS OF ANY KIND (WHETHER EXPRESS, IMPLIED OR STATUTORY), AND INCLUDING WITHOUT LIMITATION REPRESENTATIONS, WARRANTIES OR CONDITIONS OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, PERFORMANCE, DURABILITY, AVAILABILITY, TIMELINESS, ACCURACY OR COMPLETENESS, ALL OF WHICH ARE HEREBY DISCLAIMED BY BANK OF BERMUDA AND THE AFFILIATES AND PROVIDERS TO THE FULLEST EXTENT PERMITTED BY LAW. THERE WILL NOT BE ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS CREATED BY A COURSE OF DEALING, COURSE OF PERFORMANCE OR TRADE USAGE. YOU ARE SOLELY RESPONSIBLE FOR: (A) OBTAINING, CONFIGURING AND MAINTAINING ALL COMPUTER HARDWARE, SOFTWARE, TELEPHONE SERVICES, AND OTHER EQUIPMENT AND SERVICES NECESSARY FOR YOU TO ACCESS AND USE THE WEBSITE; (B) SCANNING FOR AND PREVENTING THE RECEIPT AND TRANSMISSION OF VIRUSES, TROJAN HORSES, WORMS OR OTHER DESTRUCTIVE OR DISRUPTIVE COMPONENTS; AND (C) MAINTAINING A COMPLETE AND CURRENT BACKUP OF ALL OF THE INFORMATION CONTAINED ON YOUR COMPUTER SYSTEM PRIOR TO ACCESSING OR USING THE WEBSITE. THE INTERNET IS NOT A SECURE MEDIUM, MAY BE SUBJECT TO INTERRUPTION AND DISRUPTION, AND INADVERTENT OR DELIBERATE BREACHES OF SECURITY AND PRIVACY. THE OPERATION OF THE WEBSITE MAY BE AFFECTED BY NUMEROUS FACTORS BEYOND BANK OF BERMUDA'S CONTROL. THE OPERATION OF THE WEBSITE MAY NOT BE CONTINUOUS OR UNINTERRUPTED, SECURE OR PRIVATE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, BANK OF BERMUDA AND THE AFFILIATES AND PROVIDERS MAKE NO REPRESENTATION, WARRANTY OR CONDITION THAT: (A) THE WEBSITE WILL BE COMPATIBLE WITH YOUR COMPUTER AND RELATED EQUIPMENT AND SOFTWARE; (B) THE WEBSITE WILL BE AVAILABLE OR WILL FUNCTION WITHOUT INTERRUPTION OR WILL BE FREE OF ERRORS OR THAT ANY ERRORS WILL BE CORRECTED; (C) THE WEBSITE WILL MEET YOUR REQUIREMENTS; (D) THE INFORMATION CONTAINED IN THE WEBSITE OR DERIVED FROM THE WEBSITE WILL BE ACCURATE, COMPLETE, SEQUENTIAL, OR TIMELY; (E) CERTAIN OR ANY RESULTS MAY BE OBTAINED THROUGH THE ACCESS TO OR USE OF THE WEBSITE; (F) THE ACCESS TO AND USE OF THE WEBSITE, INCLUDING THE BROWSING AND DOWNLOADING OF ANY INFORMATION, WILL BE FREE OF VIRUSES, TROJAN HORSES, WORMS OR OTHER DESTRUCTIVE OR DISRUPTIVE COMPONENTS; OR (G) THE ACCESS TO AND USE OF THE WEBSITE WILL NOT INFRINGE THE RIGHTS (INCLUDING INTELLECTUAL PROPERTY RIGHTS) OF ANY PERSON; AND BANK OF BERMUDA AND THE AFFILIATES AND PROVIDERS DISCLAIM ANY AND ALL LIABILITY REGARDING SUCH MATTERS TO THE FULLEST EXTENT PERMITTED BY LAW. THE ON-LINE TOOLS (INCLUDING APPLICATIONS AND CALCULATORS) AVAILABLE ON OR THROUGH THE WEBSITE ARE FOR INFORMATIONAL OR GENERAL ILLUSTRATIVE PURPOSES ONLY, AND ARE NOT GUARANTEED TO BE ACCURATE, COMPLETE OR TIMELY. THE INFORMATION AND RESULTS PROVIDED BY THE ON-LINE TOOLS ARE BASED UPON ASSUMPTIONS, PROJECTIONS, AND DATA THAT MAY NOT BE CORRECT OR APPLICABLE AND BANK OF BERMUDA ITS AFFILITATES AND PROVIDERS DISCLAIM ANY AND ALL LIABILITY REGARDING YOUR USE OF SUCH ON-LINE TOOLS TO THE FULLEST EXTENT PERMITTED BY LAW.
LIABILITY EXCLUSION

BANK OF BERMUDA AND THE AFFILIATES AND PROVIDERS WILL NOT UNDER ANY CIRCUMSTANCES BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY DIRECT OR INDIRECT LOSS OR DAMAGE, INCLUDING WITHOUT LIMITATION LOSS OF USE, LOSS OF PRODUCTION, LOSS OF INCOME OR PROFITS (ANTICIPATED OR OTHERWISE), LOSS OF MARKETS, ECONOMIC LOSS, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL LOSS OR DAMAGE OR EXEMPLARY OR PUNITIVE DAMAGES, WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR UNDER ANY OTHER THEORY OF LAW OR EQUITY, ARISING FROM, CONNECTED WITH, OR RELATING TO THE ACCESS TO AND USE OF THE WEBSITE BY YOU OR ANY OTHER PERSON, AND REGARDLESS OF ANY NEGLIGENCE OR OTHER FAULT OR WRONGDOING BY BANK OF BERMUDA OR ANY AFFILIATE OR PROVIDER OR ANY PERSON FOR WHOM BANK OF BERMUDA OR AN AFFILIATE OR PROVIDER MAY BE RESPONSIBLE, AND NOTWITHSTANDING THAT BANK OF BERMUDA OR ANY AFFILIATE OR PROVIDER MAY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES BEING INCURRED BY YOU OR ANY OTHER PERSON. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, BANK OF BERMUDA AND THE AFFILIATES AND PROVIDERS WILL NOT BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY LOSS OR DAMAGE SUFFERED BY YOU OR ANY OTHER PERSON AS A RESULT OF ANY FAILURE OR REFUSAL BY BANK OF BERMUDA OR THE AFFILIATES AND PROVIDERS TO GIVE EFFECT TO, OR FOR ANY FAILURE OR DELAY BY BANK OF BERMUDA OR THE AFFILIATES AND PROVIDERS IN RECEIVING, ACCESSING, PROCESSING OR ACCEPTING, ANY COMMUNICATION (INCLUDING AN INTERNET BANKING TRANSACTION OR AN ON-LINE APPLICATION) SENT TO BANK OF BERMUDA OR THE AFFILIATES AND PROVIDERS BY MEANS OF THE WEBSITE OR OTHERWISE, OR FOR ANY LOSS OR DAMAGE SUFFERED AS A RESULT OF THE OPERATIONAL FAILURE, MALFUNCTION, INTERRUPTION, CHANGE, AMENDMENT OR WITHDRAWAL OF THE WEBSITE OR EMAIL SERVICES.
LIABILITY LIMITATION

WITHOUT LIMITING THE FOREGOING, IN NO EVENT WILL THE TOTAL LIABILITY OF BANK OF BERMUDA AND THE AFFILIATES AND PROVIDERS TO YOU OR ANY OTHER PERSON FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, AND COSTS, WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR UNDER ANY OTHER THEORY OF LAW OR EQUITY, AND REGARDLESS OF ANY NEGLIGENCE OR OTHER FAULT OR WRONGDOING BY BANK OF BERMUDA OR ANY AFFILIATE OR PROVIDER OR ANY PERSON FOR WHOM BANK OF BERMUDA OR ANY AFFILIATE OR PROVIDER IS RESPONSIBLE, EXCEED $100 (CDN). ADVICE AND INFORMATION PROVIDED BY BANK OF BERMUDA OR THE AFFILIATES AND PROVIDERS OR THEIR RESPECTIVE REPRESENTATIVES, WHETHER ORAL OR WRITTEN, WILL NOT CREATE ANY REPRESENTATION, WARRANTY OR CONDITION OR VARY OR AMEND THIS AGREEMENT, INCLUDING THE ABOVE DISCLAIMER, LIABILITY EXCLUSION, LIABILITY LIMITATION AND YOU MAY NOT RELY UPON ANY SUCH ADVICE OR INFORMATION.
FAIR ALLOCATION OF RISK AND LIABILITY

YOUR ACKNOWLEDGE AND AGREE THIS AGREEMENT REPRESENTS A FAIR ALLOCATION OF RISK AND LIABILITY.
The exclusion of certain warranties and the exclusion or limitation of certain liabilities is prohibited by legislation in some jurisdictions. Such legislative limitations may apply to you.

15. OWNERSHIP AND PERMITTED USES OF THE WEBSITE

All Rights Reserved. The Website and all information (in text, graphical, video and audio forms), images, icons, software, designs, applications, on-line tools, calculators, models, data, and other elements available on or through the Website are the property of Bank of Bermuda, the Affiliates and Providers and others, and are protected by Bermudian and international copyright, trademark, and other laws. Your access to and use of the Website does not transfer to you any ownership or other rights in the Website or its content. The Website may only be used in the manner described expressly in this Agreement. In particular, except as expressly stated otherwise in this Agreement, the Website may not be copied, imitated, reproduced, republished, uploaded, posted, transmitted, modified, indexed, catalogued, mirrored or distributed in any way, in whole or in part, without the express prior written consent of Bank of Bermuda. You may not reproduce, copy, duplicate, sell, or resell any part of the Website or access to the Website. The Website may be used only for lawful, personal, and non-commercial purposes. You may print the pages of the Website for your lawful, personal, and noncommercial use, provided that you do not modify any of the content and you do not remove or alter any visible or non-visible identification, marks, notices, or disclaimers.

16. TRADE-MARK INFORMATION

The content and information contained on the Website or delivered to you in connection with your use of the Website is the property of Bank of Bermuda and any applicable third parties. Bank of Bermuda retains all proprietary rights in and arising out of the Website. The trade-marks, trade names and logos (the "Trademarks") that are used and displayed on the Website include registered and unregistered Trademarks of Bank of Bermuda and other third parties. Nothing on the Website will be construed as granting any license or right to use any Trademarks displayed on the Website. Users are prohibited from using any Trademarks without written permission of Bank of Bermuda or such other applicable third parties.

17. OTHER BUSINESSES AND SITES

The Website may include advertisements for, information about, or links to, other businesses or Internet sites or resources operated by other persons (collectively “Other Businesses and Sites”). Other Businesses and Sites are independent from Bank of Bermuda, and Bank of Bermuda has no responsibility or liability for or control over Other Businesses and Sites or the information, goods or services available from or through those Other Businesses and Sites. Links to Other Businesses and Sites are provided solely for your convenience. Bank of Bermuda does not sponsor, endorse or approve any Other Businesses and Sites, or the information, goods or services available from or through those Other Businesses and Sites. Your dealings with, access to and use of Other Businesses and Sites is at your own risk, and you will not make any claim against Bank of Bermuda arising out of your access to or use of any Other Businesses and Sites. As between you and Bank of Bermuda, the provisions of this Agreement under the section headed Disclaimer, Liability Exclusion, and Liability Limitation apply, with all necessary modifications, to your dealings with, access to and use of any Other Businesses and Sites and the information, goods or services available from or through those Other Businesses and Sites.

18. LINKING, FRAMING, MIRRORING, SCRAPING AND DATA-MINING THE WEBSITE

Links to the Website without the express written permission of Bank of Bermuda are strictly prohibited. Bank of Bermuda reserves the right to cancel and revoke any permission it may give to link to the Website at any time, for any reason, without any notice, and without any liability to you or any other person. The framing, mirroring, scraping or data-mining of the Website or any of its content in any form and by any method are strictly prohibited.

19. POSTINGS

You may not use chat or annotation technologies in connection with your use of the Website or to post comments, communications, or any other data of any kind to or on the Website with the intention that such postings may be viewed by other users of the Website.

20. TERMINATION OF THIS AGREEMENT AND THE WEBSITE

If you breach any provision of this Agreement, you may no longer use the Website. Bank of Bermuda may, at any time and for any reason and in its discretion: (a) change, suspend or terminate, temporarily or permanently, the Website or any part of it; or (b) restrict, suspend or terminate (in whole or in part) your permission to access or use the Website; all without any notice or liability to you or any other person. If this Agreement or your permission to access or use the Website is terminated by you, or by a person you represent, or by Bank of Bermuda, this Agreement and all other then existing agreements between Bank of Bermuda and you or any persons you represent will continue to apply and be binding upon you and any persons you represent, jointly and severally, regarding your prior access to and use of the Website, and anything connected with, relating to or arising there from.

21. GOVERNING LAW AND DISPUTE RESOLUTION

This Agreement, your access to and use of the Website, and all related matters are governed solely by the laws of Bermuda, excluding any rules of private international law or the conflict of laws that would lead to the application of any other laws. Any dispute between Bank of Bermuda and you or any other person arising from, connected with, or relating to the Website, this Agreement, access to or use of the Website, or any related matters (“Disputes”) must be resolved before the Courts of Bermuda, and you hereby irrevocably submit and attorn to the original and exclusive jurisdiction of those Courts in respect of all Disputes. Any proceeding regarding a Dispute must be commenced in a court of competent jurisdiction in Bermuda within six (6) months after the Dispute arises, after which time any and all proceedings regarding the Dispute are barred.

22. OTHER MATTERS

If any provision of this Agreement is found by a court of competent jurisdiction to be unlawful, void, or for any reason unenforceable, then that provision will be deemed to be severed from the rest of this Agreement and will not affect the validity and enforceability of any remaining provisions. No consent or waiver by any party to or of any breach by any other party in its performance of its obligations under this Agreement will be deemed or construed to be a consent to or waiver of a continuing breach or any other breach of those or any other obligations of that party. No consent or waiver will be effective unless in writing and signed by all parties. The provisions of this Agreement will enure to the benefit of and be binding upon Bank of Bermuda and the Affiliates and Providers and each of their respective successors and assigns and related persons, and you and your heirs, executors, administrators, successors, and personal representatives, and all persons you represent and their respective successors, assigns and related persons. You and the persons you represent may not assign this Agreement or the rights and obligations under this Agreement without the express prior written consent of Bank of Bermuda, which may be withheld in Bank of Bermuda’s discretion. Bank of Bermuda may assign this Agreement and its rights and obligations under this Agreement without your consent or the consent of any persons you represent. Bank of Bermuda’s records regarding your access to and use of the Website and any transactions or communications through the Website or email are, unless shown to be wrong, conclusive evidence of your access to and use of the Website and of the communications. You agree not to object to the admission of Bank of Bermuda’s records as evidence in any legal proceeding on the ground that the records are not originals, are not in writing, are hearsay, or are documents containing information extracted from a computer. Notwithstanding any other provision of this Agreement to the contrary, the following provisions of this Agreement, and all other provisions necessary for their interpretation or enforcement, will survive indefinitely after the termination of this Agreement and remain in full force and effect and be binding upon the parties as applicable: 10 (Data Protection); 14 (Disclaimer, Liability Exclusion, Liability Limitation); 15 (Ownership and Permitted Uses of the Website); 17 (Other Businesses and Sites); 19 (Postings), 20 (Termination of this Agreement and the Website); 21 (Governing Law and Dispute Resolution); and 22 (Other Matters). Any rights not expressly granted by this Agreement are reserved to Bank of Bermuda.

This Agreement is subject to change without notice.

THIS VERSION IN EFFECT SINCE JULY 1, 2006