Please read the following Terms & Conditions carefully since they govern your use of the NCB Insurance Company Limited website (www.ncbinsurance.com). From this point on, we will refer to the NCB Insurance Company Limited website as "Website" in these Terms & Conditions.

NCB Insurance Company Limited maintains this site to provide you with information about NCB Insurance Company Limited services and products, allow our customers to perform banking transactions and to facilitate communications with NCB Insurance Company Limited. From time to time we may revise these terms and conditions.

By accessing this site you indicate your acknowledgement and acceptance of these terms and conditions.

If you do not agree to the Terms & Conditions below, please do not access this site or any of the pages herein.

Each user of this Website agrees to the following Terms & Conditions:

ACCESS TO AND FROM WEBSITE
All information submitted to NCB Insurance Company Limited via this Website shall be and remains the property of NCB Insurance Company Limited. NCB Insurance Company Limited shall be free to use, for any legal purpose, any ideas, concepts, know-how or techniques contained in information a user to this Website provides. We will use our best efforts to include accurate and up to date information on this Website, but we make no warranties or representations as to the accuracy of the information.

STATEMENT OF INFORMATION WE COLLECT @ JNCB.COM
This section describes the circumstances under which we may receive personal information on-line.

NCB Insurance Company Limited is committed to the highest level of security and privacy regarding the collection and use of our online banking customers' personal information, as well as that of all visitors to our web site. Personal information may be collected through the submission of account applications, online banking transactions, or through the use of online financial tools such as interactive calculators. Visitors may also voluntarily provide us with personal information via e-mail, drawing registrations, web surveys, online registration, guestbook or contact forms. This information is handled internally by our staff to process the visitors request.

NCB Insurance Company Limited does use standard Web tracking software to collect nonidentifying information about our visitors, such as:

• Date and time our site was accessed
• City, state and country
• Web browser used
• IP address (A numeric address given to servers connected to the internet)

The bank uses this information to create summary statistics and to determine the level of interest in our web site.
Some areas of our web site may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

USE OF WEBSITE CONTENTS
All information, documents and materials posted on this Website are only for the internal use of Website users and may not be resold, republished, or copied, without the prior written consent of NCB Insurance Company Limited. In addition, all information, documents and materials posted to this Website are subject to change without prior notification. All services and products described in this Website are subject to the terms of the applicable account agreements. Not all of the services and products described on this Website are available in all geographic areas. You may not be eligible for all the products or services offered through this Website. A Website user's eligibility for particular services and products are subject to final NCB Insurance Company Limited approval. It is also important that you note that investment products are not obligations of, or guaranteed by NCB Insurance Company Limited; and investment services are not bank deposits insured by the Jamaica Deposit Insurance Corporation or any other entity, and are subject to investment risks.

COPYRIGHTS
Copyright in the images, text, screens and web pages appearing at this Website is owned by NCB Insurance Company Limited or others as indicated. You may copy information from our Website for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice as they appear on the pages copied. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, or otherwise used for public or commercial purposes, except as provided in these terms and conditions without the express written permission of NCB Insurance Company Limited.

LINKS TO OTHER WEBSITES
NCB Insurance Company Limited may establish links between this Website and other websites operated by non-affiliated third parties. NCB Insurance Company Limited has no control over any other such websites or the contents therein and the existence of any such link shall not constitute an endorsement by NCB Insurance Company Limited. All user access to any of these hyperlinks are at the user's own risk and the content, accuracy, opinions expressed, and other links provided are not investigated, verified, monitored or endorsed by NCB Insurance Company Limited.