These Terms and Conditions (together with the documents referred to therein) ("Website Terms and Conditions of Use") govern your use of this website. Please read them carefully.

1. Access, Use and Eligibile Visitors

Although others may be able to access this Website, it is not directed to or intended for distribution or use by any person or entity in any country or jurisdiction where its access, use, publication, or distribution may breach any local law or regulation. If you choose to access information on this Website, it is your responsibility to comply with applicable local, national and international laws and any use of this Website outside the United Kingdom is entirely at your own risk. For

guidance relating to your specific situation, you should seek independent legal advice. From time to time, the Bank may restrict access to some parts of the Website, or its entire Website, to users who have registered with it.

The Bank reserves the right to withdraw or amend the products or services it provides on its Website without notice. Whilst the Bank makes every effort to ensure that the Website is available at all times, given the nature of the internet, it cannot guarantee this will always be the case or that the Website will be fault or error-free.

You are responsible for making all arrangements necessary for you to have access to this Website. You are also responsible for ensuring that all persons who access this Website through your internet connection are aware of these Website Terms and Conditions of Use, and that they comply with them.

You may use the Website only for lawful purposes. You may not use the Website or its contents:

1. in any way that breaches any applicable local, national or international law or regulation or that is unlawful or fraudulent; or
2. to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

1. any part of the Website;
2. any equipment or network on which the Website is stored; or
3. any software used in the provision of the Website.

2. Liability

The Bank does not exclude or restrict, and nothing in these Website Terms and Conditions of Use should be read or construed as excluding or restricting, any duty or liability under the Financial Services and Markets Act 2000 (or any replacement legislation) or the rules and regulations for the conduct of business thereunder.

The information on this Website is provided purely for general information purposes - it is not intended to and does not constitute financial, accounting, tax, legal, investment, consulting or other professional advice or services. Before making any decision or taking any action which might affect you or your business you should take appropriate advice from a suitably qualified person. The Bank disclaims all warranties, including but not limited to the timeliness, accuracy and/or completeness of the information provided, and its suitability for a specific objective.

Except as required by law, the Bank is not liable for any damage or loss whatsoever, whether in contract, tort (including negligence) or otherwise arising from your use of or inability to access the Website, or from any interruption or delay in access to the Website for whatever reason. The Bank does not guarantee that this Website will operate free of error or that it is free from computer viruses or any other contaminating computer program.

3. No Offer

Nothing on this Website should be taken as an offer by the Bank. All products and services are subject to the relevant terms and conditions and to completion of the relevant application forms and other documentation. The Bank reserves the right to reject any application for services and/or products contained in this Website.

4. Intellectual Property

The Bank is the owner or the licensee of all intellectual property rights relating to the Website and in the material published on it. Intellectual property laws and treaties around the world protect those works. The letter style & representation, the Lion & Sword logo and the Arabic calligraphic representation are registered trademarks. The full content of this Website (including all text, information, graphics, animation and images) is subject to copyright, with all rights reserved. Any infringement of these rights is prohibited. You may only download material from this Website for your own personal use; any use for any other purposes, or any alteration, transfer, sale, distribution or reproduction of the information, publications or data is prohibited, regardless of the form in which or the means by which these are made available on the Website.

5. Regular Changes To The Website

The Bank aims to update its Website regularly, and may change the content at any time. If the need arises, it may suspend access to the Website, or close it indefinitely. Any of the material on the Website may be out of date at any given time, and the Bank is under no obligation to update such material.

6. Third Party Websites

The Website may contain links to other websites, which are not under the Bank's direct control. The Bank does not accept any responsibility or liability for enabling you to link to any other website, for the contents of any other website (or content referred to in or linked to such websites), for the security of any other website, or for any consequence of your acting upon the contents of such website. This Website must not be framed on any other website; nor is any third party permitted to link any other website to this Website without obtaining the Bank's prior written consent.

7. Information About You And Your Visits To The Websites

The Bank processes information about you in accordance with its Security and Privacy Policy. By using the Website, you consent to such processing and you warrant that all data provided by you is accurate.

8. Transactions Concluded Through The Website

All the Bank's products and services, whether provided through the Website or as a result of visits made by you, are subject to the applicable Bank terms and conditions.

9. Viruses, Hacking And Other Offences

You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material, which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. The Bank will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.

The Bank will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any material posted on it, or on any website linked to it.

10. Complaints Policy

The Bank aims to please its customers at all times. It has a complaints handling procedure in place to ensure that you receive a quick and fair response to any complaints you may have about its Internet banking service.

At first instance you should direct your complaint to the manager of the branch where you hold your bank account. If you do not consider that you have received a timely and fair response to your complaint from your branch, you should contact the Internet Service Banking Customer Service Centre at Habib House, 42 Moorgate, London EC2R 6JJ. It is the Bank's policy to acknowledge your complaint within 24 hours and to reply to you within 5 working days. In circumstances where this is not possible, the Bank will keep you informed of progress regularly.

The Bank expects the majority of complaints will be quickly resolved to your satisfaction at this level. If however you are still dissatisfied you can write to the Financial Ombudsman Service at the address below:

  Exchange Tower,

  London E14 9SR.

11. Company And Regulatory Information

Habib Bank AG Zurich's registered head office is at Weinbergstrasse 59, 8006 Zurich, Switzerland, and it is regulated by the Swiss Financial Market Supervisory Authority (FINMA), Einsteinstrasse 2, 3003 Berne, Switzerland.

Habib Bank AG Zurich is Authorised and regulated in Switzerland by the Swiss Financial Market Supervisory Authority FINMA. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

Visit http://www.fca.org.uk to learn more about the Financial Conduct Authority (FCA) and http://www.bankofengland.co.uk for the Prudential Regulation Authority (PRA).

Habib Bank AG Zurich is a member of the Financial Ombudsman Service ("FOS") in the UK. Details of the FOS are available at the FOS Website http://www.financial-ombudsman.org.uk.

Important information about compensation arrangements

We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website http://www.FSCS.org.uk or call the FSCS on 020 7741 4100 or 0800 678 1100. Please note only compensation related queries should be directed to the FSCS.

12. Waiver

If you breach these Website Terms and Conditions of Use and the Bank takes no action, the Bank will still be entitled to use its rights and remedies in other situations where you are in breach.

13. Variations

The Bank may revise these Website Terms and Conditions of Use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes the Bank makes, as they are binding on you. Some of the provisions contained in these Website Terms and Conditions of Use may also be superseded by provisions or notices published elsewhere on the Website.

14. Entire Agreement

These Website Terms and Conditions of Use contain the entire agreement between you and the Bank relating to your use of this Website.

15. Applicable Law

English law shall govern these Website Terms and Conditions of Use and the English courts shall have exclusive jurisdiction over any disputes arising from use of or access to this Website or from these Website Terms and Conditions of Use. This Website complies with the appropriate UK legislation and it is designed for use in the UK. The Website is not intended to be used in any jurisdiction or country where the availability of the Website is contrary to local law. Use of the Website outside the UK is at your own risk and it is your responsibility to comply with the applicable local law. Products and services on this Website are only available to UK customers.

16. Languages

The terms and conditions relating to this website and to all services provided through it are only available in English, and the Bank shall only communicate with you in English.