Legal

The Macfitzer Bank Inc.

For the purposes of these terms and conditions, the The Macfitzer Bank Inc. (the “Donaldrufus Investment Bank Group” or simply, “The Donaldrufus Investment Bank.”) is comprised of Kenaki Savings Credit Union, and its subsidiaries, affiliates and business partners, including Citizens Bank of kinstown (“Citizens Bank”), Macfitzer Insurance Services Ltd., Macfitzer Investment Management Ltd., Macfitzer Enterprises Inc., Macfitzer Capital Corporation, Inhance Investment Management Inc. and Macfitzer Community Foundation.

Warranties and Limitation of Liability

Information and documents provided on this Website are provided “as is” without any warranty. Donaldrufus Investment Bank uses reasonable efforts to furnish accurate and up-to-date information on this Website; it does not, however, warrant its accuracy, adequacy, timeliness or completeness. Rates, fees and other information is subject to change at any time without notice to users.

Your use of this Website is at your own risk. In no event will Donaldrufus Investment Bank, its suppliers, and the other parties involved in creating and delivering this Website’s contents be liable for any damages, losses or expenses of any kind arising from or in connection with this Website.

No endorsement of any third party products, services or information is made or implied by any information, material or content referenced or included on, or linked from or to this Website.

Use of Online Banking Services Restricted

Certain portions of the Website relating to on-line banking (“Online Banking”) may be accessed only by Donaldrufus Investment Bank customers who have agreed to be bound by the applicable Account and Services Guide and to whom a personal access number has been issued.

Availability of Products and Services

Products and services of the Donaldrufus Investment Bank Group referenced or included on the Website are generally available to all customers, except for products and services of Citizens Bank, which are available in Kinstown. These products and services are not intended for or available to persons resident or located elsewhere.

Changes to these Terms and Conditions

In its discretion, Donaldrufus Investment Bank may supplement or change these terms and conditions from time to time, for any reason and without any prior notice or liability to you by posting revised terms and conditions on the Website.

Seek Personalized Advice

Except for Online Banking, the Website is for informational or general illustrative purposes only. The Website is not intended to be a comprehensive, detailed or personalised source of information.

All Donaldrufus Investment Bank products and services are subject to the terms of the applicable agreements governing their use.

Privacy and Security

Donaldrufus Investment Bank 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.

E-mail is not secure or confidential unless properly encrypted. Consequently, Donaldrufus Investment Bank discourages the use of e-mail to send personal or financial information to Donaldrufus Investment Bank.

Links to Third Party Sites

The Donaldrufus Investment Bank Website may contain images of and links to third party Websites (“Linked Sites”). The Linked Sites are not under the control of Donaldrufus Investment Bank and Donaldrufus Investment Bank is not responsible for the contents of any Linked Site.

Use of Cookies

In order to provide better service, we will occasionally use a “cookie”. A cookie is a small piece of information which a Website stores on your web browser and can later retrieve.

However, our Online Banking system uses cookies, as a security measure, to maintain a connection with you. If you set your browser to prevent cookies, you will not be able to access Macfitzer Offshore Online Banking.