Disclaimer

You are connected to www.banquehavilland.com website (hereinafter the "Website") owned by BANQUE HAVILLAND S.A.

BANQUE HAVILLAND S.A.
35a, avenue J.F. Kennedy
L-1855 Luxembourg
t. +352 463 131
e. info@banquehavilland.com

Banque Havilland S.A. (hereinafter the "Bank") is a public limited company governed by Luxembourg law registered with the Luxembourg Company and Trade Register under number B 147029
VAT registration number: LU23366742, BIC (Bank Identifier Code):HAVL LU LL

Authorised by the Ministry of Finance of the Luxembourg government as a banking establishment under number 30/90
And subject to the supervision of the Luxembourg financial regulator CSSF 110, route d’Arlon L-2991 Luxembourg
Telephone: (+352) 26 25 1-1, Fax: (+352) 26 25 1-601, www.cssf.lu

PURPOSE OF THE WEBSITE
This Website aims to present the Bank, its activities and the different types of products and services offered by the Bank. Persons located in jurisdictions where (for reasons of nationality, place of residence or other reasons) the publication or availability of the Website and the information it contains is prohibited or restricted, are entitled to access only to the extent of the law applicable to them.

ACCESS AND USE OF THE WEBSITE:
This Website is designed to provide information for the Bank’s clients and persons who are not clients of the Bank. However, products and services presented on this Website are strictly reserved for clients holding an account with the Bank and having accepted the terms and conditions of services available via this Website by signing an agreement to this effect. The Bank’s fee schedule applies to these services.

WEBSITE CONTENT:
The information published on this Website shall be considered as "commercial communication" within the meaning of the law of 14 August 2000 on electronic commerce. By accessing this Website, all users accept in advance any communication of a commercial nature that they receive from the Bank via this website or by electronic mail.

Data and information on this Website is provided by the Bank for informational purposes only. Nothing contained in this Website constitutes an offer to buy nor a solicitation to sell, nor is it investment advice by the Bank and is not legally nor contractually binding.

The fact that the Bank makes data and services of this Website available to the user does not mean that these services and information and products described on this Website are appropriate or adapted to the user.

The Bank reserves the right to change the content of the Website or restrict its access whenever it deems suitable.

LINKS TO THIRD-PARTY RESOURCES
Third-party resources that can be accessed with hypertext links from this Website are not under the control of the Bank, and the Bank is not responsible for the contents of any of these third-party resources. The third-party hypertext links presented on this Website are provided for your convenience only. The inclusion of any link on this Website does not imply any recommendation, approval or endorsement of that Website by the Bank.

PERSONAL DATA
Users of this Website are informed that their personal data may be used by the Bank and automatically processed. Users are also informed that by accessing this Website their personal data may be temporarily stored in the memory or registered on their own computer for purposes of facilitating navigation on the website (cookies).

Users are entitled to use their access rights to correct all relevant personal data in accordance with the Luxembourg law of 2 August 2002 regulating the use of personal data in computer programmes by writing to the Bank at the above mentioned address.

GUARANTEE DEPOSIT SCHEME
The Bank has adhered to the deposit guarantee scheme of the Association pour la Garantie des Dépôts Luxembourg (AGDL) which regroups a large number of Luxembourg banks. This scheme guarantees to the depositor, on the terms and conditions fixed by law and by the Statutes of the AGDL, in case of unavailability of their assets, a payment of a maximum amount of 100,000.- euro for cash deposits and 20,000.- euro for funds linked to investment transactions. Some corporate entities may benefit from this guarantee upon specific conditions. Upon request, the Bank will provide the Client with further information on the deposit guarantee scheme.

Further information can be found at www.agdl.lu

APPLICABLE LAW AND COMPETENT JURISDICTIONS:
This Website is governed by the laws of the Grand Duchy of Luxembourg, in particular the law of 14 August, 2000 on electronic commerce.

Any dispute or litigation with respect to this Website shall be submitted to the exclusive jurisdiction of the District court in and of the Grand Duchy of Luxembourg. Complaints may also be lodged with the CSSF.

Any access to this Website shall be considered to have taken place at the head office of the Bank at the date and time shown on the Bank’s server, with the connections log serving as proof of these.

The Bank is the copyright owner of all of the works displayed on this Website, including without limitation, the images, texts, iconographic illustrations, and documents that are displayed and/or may be downloaded from this Website as well as the software embedded in this Website.

The reproduction of any part of the Website by any means is strictly forbidden without the prior written consent of the Bank.

The downloading of any information or software displayed on or provided by the Website does not entitle you to become the copyright owner of such information or software or to use such information or software beyond the purposes for which it was displayed or provided and you must not reproduce, forward, adapt, modify or use any information or software obtained from the Website for commercial purposes, or create links to this Website without the prior written consent of the Bank.

The name "Banque Havilland" as well as its logo are trade marks of the Bank. The reproduction, adaption, use or modification of these trade marks by any means is strictly forbidden without the prior written consent of the Bank.