1995-2004 AS "PrivatBank". All rights reserved.
Legal rights in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, are owned by AS "PrivatBank" unless otherwise indicated.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

The material provided in this service, including graphic images, buttons, and text, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written permission of AS "PrivatBank", except that you may download, display, or print one copy of the materials on any single computer solely for your personal, non-commercial, home use, provided that you keep intact all copyright, trademark, and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of AS "PrivatBank" and/or its third-party information providers' copyrights and other proprietary rights. All trademarks, service marks, and trade names contained in this service belong to their respective owners. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise, any license or right under any copyright, patent, trademark, or other proprietary interest of AS "PrivatBank" or any third party.

Trademarks
AS "PrivatBank" logos are registered trademarks and service marks. AS "PrivatBank" may also claim trademark and service mark rights in other marks contained in the pages.

Use of information and materials
The information and materials contained in these pages - and the terms, conditions, and descriptions that appear - are subject to change. Your eligibility for particular products and services is subject to final AS "PrivatBank" determination and acceptance. Investment products are not obligations of or guaranteed by AS "PrivatBank". Investment services are not bank deposits or insured by the FDIC or any other entity, and are subject to investment risks, including possible loss of the principal amount invested.

Paritate's Internet privacy policy
You can visit this site and find out about our products and services, read our Corporate reports, or get a news update and other value-added services without giving us any information about yourself. If you do provide personal information, such as address, e-mail, telephone and fax numbers, as well as demographic and customer identification, we will not disclose (share, sell or divulge) it to external organizations unless we have been authorized by you, or are required to do so by law. We will maintain this information, as well as your business activities and transactions, according to our strict security and confidentiality standards.

No warranty
The information and materials contained in this site, including text, graphics, links or other items - are provided "as is". AS "PrivatBank" does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of liability
In no event will AS "PrivatBank" be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if AS "PrivatBank", or representatives thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other Internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by AS "PrivatBank".

Submissions
All information submitted to AS "PrivatBank" via this site shall be deemed and remain the property of AS "PrivatBank" and AS "PrivatBank" shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides AS "PrivatBank" through this site, except as agreed by the Paritate entity having the direct customer relationship or as otherwise specifically agreed or required by law.

Available Only Where Permitted By Law
This service, the information and materials contained herewith are not intended for those jurisdictions where prohibited by law. Not all products and services are available in all areas. Customers are responsible for compliance with respective local rules and regulations.

Applicable law
AS "PrivatBank" is licensed under the Latvian law. Your account at the Bank and all transactions in that account are subject to, and governed by, the Latvian law.

This service, the information and materials contained herewith are governed by and are subject to the laws and regulations of the Republic of Latvia. By accessing this site you agree to be bound by the laws and regulations of the Republic of Latvia. The arbitration of the Latvian Association of Commercial Banks will resolve all disputes arising from the use of this site. Your use of this site constitutes consent to the decision of the arbitration of the Latvian Association of Commercial Banks.

AS "PrivatBank" is not licensed to engage in, and does not engage in any banking activities in any country or jurisdiction other than Latvia. All transactions in your account at the Bank are processed and credited to your account in Latvia. Deposits in your account at AS "PrivatBank" are not insured by any regulator or deposit insurance program outside of Latvia. The government of the Republic of Latvia provides mandatory insurance of bank deposits for individuals in the amount of up to 1000 Ls, except for the cases provided by law. Your deposits at the Bank are not insured by the Federal Deposit Insurance Corporation ( the "FDIC") of the United States.