Disclaimer
Please take time to read this important information. Use and access of this website and sub sites (the "site") the site implies your acknowledgement and acceptance of the Rules of Use set out below as the same may be amended from time to time. The use of the site and any materials contained on the site is permissible only in accordance with the Rules of Use.

The Rules of Use have been prepared by the Danske Bank Group for use by Danske Bank A/S, Irish Branch (trading as Danske Bank) ("the Bank"). The term "Danske Bank Group" includes Danske Bank A/S, its branches, subsidiaries, divisions and units.

The information appearing on this site including the products and services described on this site has been prepared in accordance with and are subject to Irish law. The information may not satisfy the laws of any other country. It is not directed at people in any other country other than Ireland and should not be relied on by people of any country other than Ireland. Any visitor to this site agrees that the use of the site and the terms that are applicable are governed by Irish laws and are subject to the jurisdiction of the Irish courts.

For customers resident in the US or other countries
Any information or opinions on the site are not intended for distribution to, or use by, any person in any jurisdiction or country where such distribution or use would be unlawful.

Thus the information on the site is not directed at or intended for "US Persons" within the meaning of the United States Securities Act of 1933, as amended and the United States Securities Exchange Act of 1934, as amended.

Information on the Site and liability
The contents of the site are for information purposes only. The information does not constitute or form part of, and should not be construed as, an offer to sell or issue or the solicitation of an offer to buy or acquire products or services of the Danske Bank Group or any third party that may be named on the site. Any arrangements made between you and any third party named on this site are at your sole risk and responsibility.

The Danske Bank Group recommends that you seek independent advice before acting on any information contained on this site or refraining from acting on the basis of any information contained on this site. In particular, the content does not constitute any form of advice, recommendation, or arrangement by the Bank or a member of the Danske Bank Group. Subject to any terms implied by law or by the rules of any regulatory body, and which cannot be excluded, The Bank accepts no responsibility for any loss, damage, cost or expense incurred by you as a result of any error, omission or misrepresentation on this site.

Whilst the Danske Bank Group has taken reasonable care to ensure that the information and functions contained on this site are complete and correct, the Bank does not warrant or represent that it is free from errors or omissions or that the information contained on the site is suitable for your intended use. The Danske Bank Group does not give any warranties in respect of the site and insofar as allowed by applicable law, excludes all implied warranties. In particular, the site is provided on an "as is, as available" basis and the Bank does not guarantee the availability, accuracy, timeliness, completeness, performance or fitness for a particular purpose of the site or any content. All implied warranties are excluded to the extent that they may be excluded as a matter of law.

This site may be updated from time to time so that at any one time it may be out of date. The Bank makes no commitment to update the content and materials on this site. The use of the Internet and transmitting information to or from the Danske Bank Group site may not be secure from access by third parties and therefore may not remain confidential or private. Information published at this site may refer to products, information or services that are not available in your country or locality. The Bank is not obliged to provide such products, information and services and it reserves the right not to do so. The products, information and services published in this site are not being made available to all users who access the site and the products, information or services can be withdrawn at any time. The Bank is not in any way obliged to act upon any instructions received from users of this site.

The information, calculations, assessments and estimations on the site shall not be construed as investment advice or as requests to engage in investment operations. Neither should it be construed as recommendations or advice on legal or regulatory aspects, accounting treatments or tax consequences of any individual arrangements. The Danske Bank Group is not liable for damages resulting from customers' action or failure to act on the information mentioned above.

Customers are always responsible for the financial results of their own investment activities. Any return estimates, past stock-market or fund performance is no guarantee of future profits.

Price information
Prices, rates and values published on the site are provided for information purposes only and are indicative unless otherwise stated. Such prices, rates and values do not necessarily represent the terms that would apply to new transactions or existing positions. You should always check prices, rates and values before completing transactions.

Disclosure of interest
The Danske Bank Group, including its branches, subsidiaries, divisions and staff, may, to the extent permissible by law, perform services for, solicit business from, hold long or short positions in, or otherwise be interested in the investments, including derivatives, of any issuer mentioned on the site. The Danske Bank Group's research analysts are not permitted to invest in securities related to their own research sectors.

Website Security
The Danske Bank Group and its related companies and businesses and personnel cannot guarantee that any file or program available for download and/or execution from or via this site is free of computer viruses or other conditions which could damage or interfere with data, hardware or software with which it might be used. All files and/or programs published on this site are published on the strict condition that you, the user, assume all risk of use and the Danske Bank Group hereby excludes liability for all and any consequences of your use of such files or programs.

Telephone calls to the numbers quoted in these pages may be recorded or monitored. This is for your security and the security of our staff and also to verify transactions, improve service and for staff training. The Danske Bank Group uses IP addresses to analyse trends, administer the site, track users' movement and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

We take all reasonable precautions to protect our users' information. Our email enquiry forms are not sent via an encrypted channel and for this reason we ask that you do not include sensitive personal information when using them. When our registration/application form asks users to enter sensitive information (such as Bank account details), that information is encrypted and is protected with SSL encryption software. While we use SSL encryption to protect sensitive information online, we will use all reasonable endeavours to protect user-information off-line. However, any personal details or other information entered onto or submitted through the site or by email to the Danske Bank Group is entered or transmitted at the user's risk and the Danske Bank Group shall not be liable for any such information being intercepted or accessed by any third party without the knowledge of the Danske Bank Group or any of its employees or agents. We therefore recommend that you do not include confidential or personal information in your emails.

The Danske Bank Group will not be liable to you, the end-user or any third party for any damages (including without limitation, those arising from lost data, business interruption or damages for loss of profits) arising in contract, delict, tort or otherwise from your use of or inability to use the site for any reason or any content or any Web site linked to this site or the materials or information contained at any or all such sites or from action taken (or not taken) as a result of using the site or any content or any Web site linked to this site or the materials or information contained at any or all such sites.

Links to other Websites
The site contains links to other Web sites or Web pages either directly or through frames and, where possible, the Danske Bank Group will make it clear where such links are being made. Links to third party Web sites or Web pages on this site are provided solely as a convenience to you. If you use these links you will leave this site. The Danske Bank Group has not reviewed all of these third party sites and does not control, is not responsible and shall have no liability for any of these sites, their availability or their content. Accordingly, the Danske Bank Group does not endorse or make any representations about them or any products, services, information or materials on such third party sites or any results that may be obtained by using them. If you decide to access any third party sites which are linked from this site, you do this entirely at your own risk.

You should access the site through the homepage and not straight to individual pages of the site. Throughout the site there are words highlighted in bold and underlined in the text. If you click on these words you will be taken to another page of the site or part of that page. Depending on your screen resolution, the text and materials on one page of the site may not fit entirely into one screen. Where this occurs, you should use the vertical and/or horizontal scroll bars in order to access the entire content of the page. If you do not do this you may not see important material and information. The Danske Bank Group shall not have any liability if a user suffers loss or damage as a result of failing to use and access the site properly.

Copyright and intellectual property rights
Copyright in the contents of, and in all information contained on this site, is vested in the Danske Bank Group. All rights reserved. You may download to disk and retain a single copy of all or any of the pages (including parts of pages) contained on this site and print one single hard copy of same for your own personal use. Apart from the foregoing, no page or part of a page or other information contained on this site may be copied, reproduced, stored, adapted, transmitted, disseminated, broadcast or performed in any form or by any process, without the specific prior written consent of the Danske Bank Group. Users should not remove or alter any copyright or other notices of proprietary restrictions from any content or materials appearing within this site.

The "Danske Bank device" and "Danske Bank" are registered trademarks of the Danske Bank Group. Unauthorised use of these trademarks is not permitted. Other trademarks, including Visa and MasterCard, are licensed for our use only and cannot be used or reproduced by any unauthorised party.

Should any of these Rules of Use of the site be held to be unenforceable, the validity and enforceability of the remaining provisions shall not be affected and the unenforceable provision will be replaced by an enforceable provision which comes closest to the intention underlying the unenforceable provision and which is of similar economic effect.

Danske Bank A/S (trading as Danske Bank) is authorised by The Danish FSA in Denmark and is regulated by the Central Bank of Ireland for conduct of business rules.

Danske Bank A/S is a plc registered in Copenhagen, CVR-no. 61126228, at the Danish DCCA. Registered branch in Ireland Company No. 905623 with office at 3 Harbourmaster Place, IFSC, Dublin 1. Registered office in Denmark: 2-12, Holmens Kanal, DK-1092, Copenhagen K, Denmark.

Details of all Danske Bank A/S directors can be viewed at its registered offices.