TERMS AND CONDITIONS

INTELIGO BANK (hereafter referred to as the "Bank") owns a website whose registered domain is www.inteligobank.com (hereafter referred to as the "Website"). Before using the Bank's Website, we ask you to read this "General Terms and Conditions", and inform you that your use of the Bank's online services will imply that you have read and accepted all the General Terms and Conditions described in this document. The present "Terms and Conditions" are additional to any other Terms and Conditions included in any contracts or other legal documents that you have already received from the Bank, and are also additional to any other Agreements or Terms and Conditions that are part of other banking products and services that you might have with the Bank.

The term "User" hereafter identifies any and all persons who access the Website.

Applicable Law and Jurisdiction

Whether the Website is visited from Panama or any other country, each User agrees that the following "General Terms and Conditions" are regulated and interpreted in accordance with the laws and norms of the Republic of Panama, and agrees that any controversy that arises in relation to: a) the contents, interpretation, execution and/or termination of this General Terms and Conditions; b) the contents of the Website; c) any documents the User sends through the Website; and/or d) any operation the User performs through the Website, will be resolved by the courts of Panama City, in the Republic of Panama.

Links

Among its many functions, the Website includes links to external websites that do not belong to the Bank. The Bank takes no responsibility whatsoever for any contents, handling of user information, materials, products or services offered by any external website that can be accessed through a link on the Website.

Cookies

The Bank does its best to ensure its Website offers a simple and fruitful browsing experience. Once the user accesses the Website and approves the corresponding option, the Website automatically transfers a small file to the User's computer, which contains relevant information relative to his/her access to the Website. This file (cookie) is used to facilitate future accesses to the Website without having to enter the same information again, as well as to customize the interface and contents of the Website to suit the User's convenience. Even though the use of cookies is a matter of choice by the User, the Bank can not guarantee the absence of log-in or unsolicited access problems whenever the use of cookies is not approved. The Bank will not take responsibility and will not be liable directly or indirectly for any incidental or consequential damages, losses or expenses incurred in as a result of problems with the Website or any linked external websites, whether said problems result from the use or inability to use the Website by any of the parts, a failure of execution, mistake, omission, interruption, defect, delay of operation or transmission, system failure, connectivity failure, virus or any other destructive element.

Rights and Duties of the User

The User may browse and view the Website with no restrictions and free of charge. The User may also print the contents of the Website for personal use, but shall reproduce the included "Trademark" and "Copyright" notices in every such case. The User shall not modify the Website, including its contents and functionalities; show it to third parties; reproduce it; use it publicly; or use it for commercial ends (whether by printing it and distributing its contents and/or by linking the Website to other websites over the Internet or any other private or public, local or remote computer network [by means of hypertext links, framing, banners and/or any other linkage technique]) without prior written consent from the Bank.

Notwithstanding the User's obligation to compensate the Bank in the event of any breach by the User of the laws on "Trademarks", "Copyright" and any other Intellectual Property legal protection currently in force in the Republic of Panama, it is hereby established that any breach on the part of the User of such laws and norms and/or the present "General Terms and Conditions" will imply an immediate revocation of the authorization to access and use the Website, without the need of prior notification. The User hereby confers the Bank the right to block the User's access to the Website whenever the Bank suspects that Intellectual Property violations have taken place, and commits to restituting and/or destroying any material obtained from the Website for illegal purposes. Likewise, the User hereby irrevocably authorizes the Bank to apply against him/her those technical security measures which are usual in these instances.

Rights and Duties of the Bank

The Bank reserves the right to modify the contents and services available at the Website at any time, to otherwise limit the access to the Website, or to discontinue the Website altogether without prior notice.

The Bank does not guarantee that the information available at the Website is always up-to-date, but commits to do its best to provide updated information.

The Bank commits to protecting and preventing its clients' personal information from being unduly accessed by unauthorized internal or third parties, through the Internet or by any other means.

All the above Terms are:

SUBJECT TO CHANGE AT ANY MOMENT WITHOUT PRIOR NOTIFICATION.