7. Disclaimer on Advice

Nothing on the Bank's website, nor in its promotional material nor in any verbal or written comments made by the Bank's directors, officers, employees or agents is intended to constitute investment advice, nor should it be construed as such. Any views expressed on, amongst other things, current or future interest rates, market movements, or on market conditions in general, are personal opinions of the Bank's directors, officers, employees or agents for which no responsibility is accepted by the Bank. Any such views should not be relied upon when making investment decisions.

The Bank does not hold itself out as providing advice on the suitability of facilities for the Account Holder's particular circumstances, including circumstances relating to the Account Holder's tax or regulatory position, and neither the Bank nor its directors, officers or employees shall be liable for any loss arising whether directly or indirectly as a result of the Account Holder making use of or failing to make use of any of the facilities offered by the Bank. It is the responsibility of the Account Holder to take independent advice from a suitably qualified advisor as to the suitability of the facilities for the Account Holder's particular circumstances.

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