St. James Bank & Trust Company Ltd. (sometimes “we”) offers links to other third party websites that may be of interest to our website visitors, clients and customers. The links provided in our website are provided solely for your convenience and may assist you in locating other useful information on the Internet. When you click on these links you will leave the St. James Bank & Trust Company Ltd. website and will be redirected to another site. These sites are not under the control of St. James Bank & Trust Company Ltd.

St. James Bank & Trust Company Ltd. is not responsible for the content of linked third party websites. We are not an agent for these third parties nor do we endorse or guarantee their products. We make no representation or warranty regarding the accuracy of the information contained in the linked sites. We suggest that you always verify the information obtained from linked websites before acting upon this information.

Also, please be aware that the security and privacy policies on these sites may be different than St. James Bank & Trust Company Ltd. policies, so please read third party privacy and security policies closely.

If you have any questions or concerns about the products and services offered on linked third party websites, please contact the third party directly.

THE INFORMATION, PRODUCTS AND SERVICES DESCRIBED ON THIS SITE ARE NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, AND ARE IN PARTICULAR NOT DIRECTED TO, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE (BY REASON OF THAT PERSON’S NATIONALITY, RESIDENCE OR OTHERWISE) SUCH DISTRIBUTION OR USE WOULD BE PROHIBITED OR CONTRARY TO ANY LAW OR REGULATION OR WOULD OBLIGATE US TO COMPLY WITH ANY ADDITIONAL LAW, REGULATION, REGISTRATION OR SIMILAR REQUIREMENT WITHIN SUCH JURISDICTION OR COUNTRY. PERSONS IN RESPECT OF WHOM SUCH PROHIBITIONS APPLY SHOULD NOT ACCESS THIS SITE.

This Site is for informational purposes only. Nothing on this Site is intended to be, nor should it be construed or used as, financial, legal, tax or investment advice, an opinion of the appropriateness or suitability of any investment, or an offer, or the solicitation of any offer, to buy or sell any security. References to St. James Bank & Trust Company Ltd. include its subsidiaries.

St. James Bank & Trust Company Ltd. is affiliated with the Hedgebay group of entities including Hedgebay Securities LLC, a U.S. broker-dealer registered with the U.S. Securities and Exchange Commission (SEC) and a member of FINRA, Hedgebay Partners UK Limited, a UK brokerage entity which is regulated by the UK Financial Conduct Authority, and Hedgebay Trading Corporation, a Bahamas entity which hosts a website venue for private securities transactions effected by Hedgebay Securities LLC, Hedgebay Partners UK Limited and other authorized users. St. James Bank & Trust Company Ltd. may refer its customers to its Hedgebay affiliates for its affiliates to separately provide products and services and be separately compensated for such products and services. Because of this affiliation, St. James Bank & Trust Company Ltd. has an incentive to use its affiliates or to promote the use of its affiliates in connection with or in addition to its own services. Similarly, such Hedgebay affiliates have an incentive to use or to promote St. James Bank & Trust Company

Ltd. and its products and services. Compensation charged by such affiliates for their products and services is in addition to the compensation charged by St. James Bank & Trust Company Ltd. for its products and services. Individual officers, directors, agents and employees of one or more Hedgebay entities may also be direct or indirect owners of one or more Hedgebay entities (including St. James Bank & Trust Company Ltd.) and therefore will benefit by compensation received by the Hedgebay entities in which they are owners, in addition to compensation they receive as an officer, director, agent and/or employee.

The Site and its content is provided “as is,” with “all faults” and “as available” and St. James Bank & Trust Company Ltd. makes no express or implied representations, including representations or warranties regarding the accuracy, timeliness, validity or completeness of the information available via the Site and any warranties of fitness for a particular purpose, merchantability or non-infringement. While we make no commitment to update the content, we reserve the right to make changes and corrections at any time, without notice. We reserve the right to make unavailable at any time this Site or any content. This Site and its content are our property and/or the property of our affiliates, vendors, and/or other third parties, and are protected by copyright, trade secret and other intellectual property and proprietary rights. unauthorized use of any material contained on the site may violate copyright laws, trademark laws, trademark laws, trade secret laws, the laws of privacy and publicity, and other regulations and statutes.

We further assume no responsibility, and make no warranties, that the Site or content will be uninterrupted or error-free, that defects will be corrected, or that the Site, the server that makes it available or the content will be free of viruses or other harmful components. We and our affiliates shall not be liable for any damages to, viruses that may infect, or services, repairs or corrections that must be performed on, your computer or other property on account of your accessing or using the Site. please note that some jurisdictions do not allow the exclusion of implied warranties, so some or all of the above exclusions may not apply to you.

Use of the Internet is solely at your own risk and is subject to all applicable local, state, national, and international laws and regulations. While we have endeavored to create a secure and reliable Site, please be advised that the confidentiality of any communication or material transmitted to/from the Site over the Internet cannot be guaranteed.

Under no circumstances, including, but not limited to, negligence, shall we and our affiliates be liable for any damages (whether in contract, tort, including, but not limited to, negligence, or otherwise), including, but not limited to, special, indirect, punitive, incidental or consequential damages, losses or expenses, that result from the use or access of, or the inability to use, the content or the Site, or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if we and our affiliates are advised of the possibility of such damages, losses or expenses.