Please read this Agreement carefully before accessing the First Clifton Bank Website. As a condition to and in consideration of receiving and accessing the First Clifton Bank Website, the User agrees to be bound by the terms of this Agreement. Use of or access to the First Clifton Bank Website shall constitute acceptance of and agreement to be bound by this Agreement.

If you do not wish to be bound by this agreement, do not access First Clifton Bank Website. If you have any questions about this Agreement, please contact us via e-mail at support@eFirst Clifton Trust Bank

THIS AGREEMENT "Agreement" is entered into by and between First Clifton Bank and any individual, corporation, association, agency, company, or other entity who accesses or uses the First Clifton Bank Website (the "User" or "you").

First Clifton Bank which is provided without charge to you, is a World Wide Web site on the Internet that is designed to allow First Clifton Bank to communicate with users and for you to interact with those users. The First Clifton Bank Website is owned and operated by First Clifton Bank . The First Clifton Bank Website contains or may contain information, communications, opinions, text, graphics, links, electronic art, animations, audio, video, software, photos, music, sounds and other material and data (collectively, "Content") formatted, organized and collected in a variety of forms that are generally accessible to Users, including directories and databases, and areas of the First Clifton Bank Website that can be modified by Users, such as posting classifieds, uploading multimedia files, registering user profiles, and creating auto-notify, personalized pages, and personalized project areas.

First Clifton Bank website content

(a) You acknowledge that Content on the First Clifton Bank plc Website is generally provided by First Clifton Bank plc, individual contributors of Content ("Contributors"), third party licensees, and/or other Users. You acknowledge that the First Clifton Bank plc Website permits access to Content that is protected by copyrights, trademarks, and other proprietary (including intellectual property) rights ("Intellectual Property Rights"), and that these Intellectual Property Rights are valid and protected in all media existing now or later developed and except as is explicitly provided below, your use of Content shall be governed by applicable copyright and other intellectual property laws. You acknowledge that the First Clifton Bank Website owns a copyright in the "look and feel," i.e., the selection, coordination, arrangement and presentation of such Content. (b) You may not modify, copy, reproduce, transmit, distribute, publish, create derivative works from, display or otherwise transfer or commercially exploit any of the Content, in whole or in part, provided, however, that you may (i) make a reasonable number of digital or other form of copies to permit your computer hardware and software to access and view the Content, (ii) print one copy of each piece of Content, (iii) make and distribute a reasonable number of copies of Content, in whole or in part, in hard copy or electronic form for internal use only. Any permitted copies of Content must reproduce in an unmodified form any notices contained in the Content, such as all Intellectual Property Right notices, and an original source attribution to "The First Clifton Bank Website" and its URL address. You acknowledge that the First Clifton Bank Website, its Contributors, and/or Users remain the owners of the Content and that you do not acquire any Intellectual Property Rights by downloading or printing Content.

Termination

The only right with respect to dissatisfaction with any policies, guidelines, or practices of First Clifton Bank in operating the First Clifton Bank Website, or any change in Content, is for you to discontinue accessing the First Clifton Bank Website. First Clifton Bank may terminate or temporarily suspend your access to all or any part of the First Clifton Bank Website, without notice, for conduct that First Clifton Bank believes is a violation of this Agreement or any policies or guidelines posted by First Clifton Bank, or for other conduct which First Clifton Bank believes, in its sole discretion, is harmful to First Clifton Bank or other Users. First Clifton Bank may discontinue operating the First Clifton Bank Website and terminate this Agreement without notice at any time for any reason in its sole discretion. In the event of termination, you are no longer authorized to access the First Clifton Bank Website, including the Interactive Areas, and the restrictions imposed on you with respect to Content downloaded from the First Clifton Bank Website, as well as the disclaimers and limitations of liabilities set forth in this agreement, shall survive.

• 7% transaction fee is charged for international money transfers
• 5% bank charge is applied when you receive money that exceeds your account limit
• 5% transaction fee is cahrged for domestic money transfers.