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Legal Notices and Disclaimers of Liability

A. First Nations Bank of Canada ("First Nations Bank")
B. Use of Website
C. Email Disclaimer
D. Information
E. Trade-marks and Copyrights
F. Designated locations for Requirements to Pay, Requests for Information and Orders received from the CRA and for Serving Support Enforcement Notices
G. Product Information

A. First Nations Bank of Canada

First Nations Bank means First Nations Bank and its third parties (including The Toronto-Dominion Bank), who provide deposit, investment, loan, securities, trust, insurance and other products or services.

B. Use of Website

First Nations Bank is not responsible in any manner for direct, indirect, special or consequential damages, however caused, arising out of your use of this Website and/or any web browser, including any damages you may suffer if you transmit confidential or sensitive information to us or if we communicate such information to you at your request over the Internet. Links to other websites from this Website are for convenience only. No endorsement of any third party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked from or to this Website.

C. Email Disclaimer

Email communication including any information transmitted with it is intended only for the use of the addressee(s) and is confidential. If you are not an intended recipient or responsible for delivering the message to an intended recipient, any review, disclosure, conversion to hard copy, dissemination, reproduction or other use of any part of this communication is strictly prohibited, as is the taking or omitting of any action in reliance upon this communication. If you receive this communication in error or without authorization please notify us immediately by return e-mail or otherwise and permanently delete the entire communication from any computer, disk drive, or other storage medium.

D. Information

Information provided by First Nations Bank and other sources on this Website is believed to be accurate and reliable when placed on this site, but we cannot guarantee it is accurate or complete or current at all times. Information on this site is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard. We endeavor to keep fees posted at this site current. However fees and information are subject to change at any time without notice to users and the posted fees at the site may not immediately reflect such changes. Customers will be advised of applicable fee changes at least 60 days (or such shorter period as permitted by Canadian securities regulatory authorities) before the effective date of any change in charges.

E. Trade-marks and Copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trade-marks or service marks ("Trade-marks") of First Nations Bank, shareholders of the First Nations Bank or of third parties and used under license by First Nations Bank. However, the display of Trade-marks on pages at this Website does not imply that any license has been granted to any third party.

All information in this Website is protected under the copyright laws of Canada and/or other countries. Users of this Website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of First Nations Bank. Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this Website.

Any unauthorized downloading, re-transmission, or other copying or modification of Trade-marks or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action.

F. Designated Locations for Requirements to Pay, Requests for Information, and Orders received from the CRA and for Serving Support Enforcement Notices

In compliance with the Bank Act for Notices / Demands served by the CCRA as well as Support Orders and Support Provisions (Banks and Authorized Foreign Banks) Regulations and Support Orders and Support Provisions (Trust and Loan Companies) Regulations, the following offices have been designated by First Nations Bank for the service of enforcement notices in respect of the below noted provinces.

G. Product Information

(a) General

Products and services of the First Nations Bank and its third party suppliers are only offered in jurisdictions where they may be lawfully offered for sale. All products and services are subject to the terms of the applicable agreement. The information in this Website is subject to change without notice. This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not resident in Canada should consult with their financial adviser to determine if these securities may lawfully be sold in their jurisdiction.

Visa

Visa, Verified by Visa and Plus are Trade-Marks of Visa International Service Association/TD Canada Trust, licensed user of Marks.

Chargex: TD Canada Trust, licensed user of Mark.

Interac and the Interac logo are Trade-Marks of Interac Inc., TD Canada Trust, authorized user of the Trade-Marks.

The GM Card is a registered Trade-Mark of General Motors Corporation, TD Canada Trust, licensed user of the Mark.

American Express: Used under license from American Express Company.

First Nations Bank Prime Rate

"Prime Rate" means the annual interest rate established and reported by First Nations Bank to the Bank of Canada from time to time as a reference rate of interest for determination of interest rates First Nations Bank charges to customers of varying degrees of creditworthiness in Canada for Canadian dollar loans made by First Nations Bank in Canada.

Coercive Tied Selling (PDF: 104Kb)