Terms of Use

IMPORTANT NOTICE TO USERS OF NATIONAL BANK OF CANADA'S OR ITS AFFILIATES WEBSITE

For the purposes hereof, “We,” “Us,” and “Our” means National Bank of Canada, its subsidiaries and affiliates. When the complete name “National Bank of Canada” is used in any paragraph of these Terms of Use, only this specific entity is contemplated.

When using our website (the "Website" or the “Site”), you accept these Terms of Use, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use from time to time and acknowledge that your continuing use of the Website means that you have accepted any changes that may have been made.

Governing legislation

The Website will be governed by, and construed in accordance with, the laws of Canada and the applicable laws of the Province of Québec, with the exclusion of its principles of conflicts of laws. Any litigation, dispute or claim arising from or related to the use of the Website shall be subject to the jurisdiction of the courts of Québec and you hereby accept to submit to the exclusive jurisdiction of the courts of Québec in this respect.

Responsibility of the user

As a user of the Site, you agree to use it responsibly and with discretion. You agree to follow both the applicable laws in force and our security standards, which are described under ABCs of Security.

Accessing and using the Website

We cannot guarantee that the Site will be accessible at all times, without interruption, or that it will be free from errors. We shall not be held responsible for any damages that may result from the inaccessibility of the Website or from any difficulties that you may experience while accessing or using the Website, including: an interruption of service; a network failure; the malfunction of any computer hardware or software; or any faulty, incomplete, incomprehensible or deleted transmission, whether or not such difficulties have been brought to our attention.

We reserve the right to suspend at any time, without warning, full or partial access to: the Website; nbc.ca and each of our pages accessible through certain social media sites. We additionally reserve the right to discontinue uploading information to such sites, in which case we shall not be held responsible for any damages that you may incur.

Contents

The contents of the Website are provided for informational purposes only. Information and opinions contained have been obtained or derived from sources believed to be reliable. However, we cannot guarantee that the information is exact or complete, free from errors or omissions, or that it is up to date at all times. We shall not be held responsible for any damages that you may incur as a result of relying on such content and we are in no way required to update this data or information.

The data and information available on the Website may be changed, moved or deleted without notice.

Nothing in this Web site constitutes legal, accounting or tax advice or individually tailored investment advice. Neither the information provided nor any opinion expressed constitutes an offer to sell or a solicitation of an offer to buy any securities or to take any deposits or provide any financing. This material is not, and under no circumstances should be construed as, a solicitation to act as securities broker or dealer or otherwise in any jurisdiction by any person or company that is not legally permitted to carry on the business of a securities broker or dealer or otherwise in that jurisdiction. To the full extent permitted by law neither National Bank of Canada or National Bank Financial any of any of its affiliates, nor any other person, accepts any liability whatsoever for any direct or consequential loss arising from any use of this material or the information contained herein.

Confidentiality and security

We comply with the applicable law governing the protection of personal information. In addition, we use the latest encryption techniques to guarantee the confidentiality of the information exchanged with you through Internet Solutions and Mobile Solutions. We cannot, however, protect information exchanged when the Website is accessed through a non-secure platform or in a public location, which could endanger the confidentiality of your personal information. We shall not be held responsible for any damages that you may incur under such circumstances. Please consult the ABCs of Security for more information on this topic.

E-mail communications are neither secure nor confidential. They can be lost or intercepted, in much the same way as communications by other means (for example, by post). We shall not be held responsible for any damages that you may incur from any exchange of e-mail or electronic messages, whether originating from you or from us.

You alone are responsible for ensuring the protection and safekeeping of your data and computer platforms and devices.

Precautions to be taken before downloading and installing software

If you choose to access a software program through one of the links offered on the Site, you are responsible for taking the necessary precautions to detect and destroy possible viruses and for ensuring that the software is compatible with your computer. You should also ensure that you have up-to-date backup copies of the entire contents of your hard drive before installing software downloaded from the Website.

We shall not be held responsible for any damages or losses that could result, directly or indirectly, in whole or in part, from downloading any internet page or software, or from sending any information when using the Site.

Hyperlinks

The fact that the Website offers links to other websites does not mean that we endorse or approve the content of these sites or the products, services or publications that may appear thereon. The content available through these hyperlinks is not subject to our policies. Therefore, we shall not be held responsible for any damages that you may incur when you are redirected to another website by way of a hyperlink.

Social media sites

National Bank of Canada pages are accessible through the following social media websites: Facebook, Twitter, YouTube and LinkedIn. Before consulting or using the pages of National Bank of Canada on these social media websites, you must read and comply with their respective terms of use, which can be found at www.nbc.ca/socialnetworks.

Trademarks and copyrights laws

The information contained on the Website is the property of National Bank of Canada and may not be reproduced, in whole or in part, unless for your personal, non-commercial use. In all other cases, you must obtain the written consent of National Bank of Canada prior to reproducing any contents of the Site.

Certain names, words, titles, phrases, graphics, logos, icons or designs used on the Website may be trademarks belonging to us or used by authorized third parties. Certain trademarks are registered in Canada and/or other countries. However, use of these trademarks on the Website does not necessarily mean that a licence of any kind has been granted. The ® and TM symbols designate registered trademarks and other trademarks respectively.

Please direct any request for authorization with respect to copyright to:

National Bank of Canada
Corporate Marketing and Communication
600 de la Gauchetière West
Montreal, Quebec
H3B 4L2

National Bank of Canada Financial Markets and National Bank Financial Markets are trademarks of National Bank of Canada used under licence.

National Bank Financial Inc. is an indirect wholly-owned subsidiary of National Bank of Canada, and is regulated by IIROC and a member of Canadian Investor Protection Fund.

National Bank Financial Inc. has a registered office in the United Kingdom and is authorized and regulated by the FCA. National Bank Financial Inc. is not authorized by the PRA and the FCA to accept deposits in the United Kingdom.

National Bank of Canada Financial Inc. and NBF Securities (USA) Corp. are indirect wholly-owned subsidiaries of National Bank of Canada, and are regulated by FINRA and members of SIPC.

NBF International SA is an affiliate of National Bank of Canada and is regulated by the Swiss Financial Markets Supervisory Authority (FINMA).

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