General

These pages contain information about the services and products of First National Bank (hereinafter referred to as “First National Bank”). The material is provided for informational purposes only without regard to any particular user’s investment objectives, financial situation, or means. Hence, no information contained herein is to be construed as a recommendation; or an offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product, or instrument; or to participate in any particular trading strategy in any jurisdiction in which such an offer or solicitation, or trading strategy would be illegal. First National Bank does not guarantee the accuracy or completeness of any information or analysis supplied. First National Bank shall not be liable to any customer or third person for the accuracy of the information or any market quotations supplied through this service to a customer, nor for any delays, inaccuracies, errors, interruptions or omissions in the furnishing thereof, for any direct or consequential damages arising from or occasioned by said delays, inaccuracies, errors, interruptions or omissions, or for any discontinuance of the service. First National Bank accepts no responsibility or liability for the contents of any other site, whether linked to this site or not, or any consequences from your acting upon the contents of another site. Opening this website shall not render the user a customer of First National Bank nor shall First National Bank owe such users any duties or responsibilities as a result thereof.

Risk

Foreign exchange trading and investment in derivatives can be very speculative and may result in losses as well as profits. Foreign exchange and derivatives trading entails a considerable risk factor and is therefore not suitable for every investor. The website does not take into account special investment goals, the financial situation or specific requirements of individual users. Hence, you should carefully consider your financial situation and consult your financial advisors as to the suitability of your situation prior to making any investment or entering into any transactions.

Local regulatory restrictions

This website can be accessed worldwide. The information provided is however only intended for use by, any person in any country where such use would not be contrary to local law or regulation. None of the products and services referred to on this website is available to persons residing in any country where the provision of such services or investments would be contrary to local law or regulation. It is the sole responsibility of the recipient to ascertain the terms of and comply with any local law or regulation to which they are subjected.

Use of the website

First National Bank including its directors, officers or employees shall not be liable for any damages or injury arising out of your access to, or inability to access, this site or from your reliance on any information provided herein. First National Bank disclaims any and all liability for direct, indirect, incidental, consequential, punitive, and special or other damages, lost opportunities, lost profit or any other loss or damages of any kind. This limitation includes any damage or virus, which may affect your computer equipment.

Translation deviances

For customer benefit First National Bank offers this site in a wide range of languages. Users of the website agree that First National Bank shall not be held liable to anyone for any direct or indirect loss or injury caused in whole or in part by the incomplete or inaccurate translation of the original English text to another language. Any translation that constitutes a departure from the English text should be disregarded.

Copyright

The works of authorship contained in this website, including but not limited to all design, text and images, are owned, except as otherwise expressly stated, by First National Bank, and may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in part in any manner without the prior written consent of First National Bank.

Privacy and use of personal data

When signing up for a demo or live account First National Bank will, for administrative purposes, require and store different information about its customers, for example name, address. Furthermore some financial information is required for credit assessment. We also require your email address to be able to send you your login information. Your email address will not be passed on to third parties, but may be used by First National Bank in relation to its products (including any marketing campaigns related to these products). If you do not wish to receive such marketing material please send an email to [email protected] stating so.

According to the law, the Bank’s employees are obliged to treat this information as confidential and may not pass on or use confidential information about you without justification. Please note that in certain cases, the Bank is required to pass on information to the public authorities, for example the tax authorities.

Information about customer relationships will only be disclosed to third parties if First National Bank is entitled to disclose the information according to Puerto Rican law or has obtained the customer’s written consent.

First National Bank can disclose the following information:

• General customer data, such as name, address and personal registration number, to companies carrying out administrative tasks for First National Bank.

Finally, First National Bank may pass on information if you have given your consent. You can always revoke your consent or change it.

If it proves that our information about you is incorrect, we will of course correct it immediately. We will also immediately inform anyone who may have received this information of the error.

Please note that if you need to change your personal information on www. or correct an error, please contact us by email at [email protected] or call us internationally at +1-888-527-4041 or locally at +1-787-280-9766.

Third party services

On the website, other companies may advertise their services through links or banners. First National Bank does not accept any responsibility or liability for the services offered by any other website or company you may visit as a result of such links or banners. If you decide to act on any such information or offers, you do so entirely at your own risk.

Any dispute related to the use of these pages will be settled by the by the arbitration laws of Puerto Rico.

Client relationship

When applying for an account with First National Bank, each client will be subject to the relevant business terms depending on the type of relationship. All clients must be familiar with the specific business terms and related policies, which apply to the client relationship with First National Bank.