Terms & Conditions

www.ifbbank.com, is an online information and communications service provided by www.ifbbank.com, subject to your compliance with the terms and conditions set forth below. Please read this document carefully before accessing or using www.ifbbank.com. By accessing or using www.ifbbank.com, you agree to be bound by these Terms of Use and conditions set forth below (and to our Privacy Statement). If you do not wish to be bound by these terms and conditions (or to the Privacy Statement and any disclaimers posted elsewhere on the site), you may not access or use www.ifbbank.com. www.ifbbank.com may modify this agreement at any time, and such modifications shall be effective immediately upon posting of the modified agreement. You agree to review the agreement periodically to be aware of such modifications and your continued access or use of www.ifbbank.com shall be deemed your conclusive agreement of the modified agreement.

COPYRIGHT

All content included on this site, including graphics, text, images, logos, button icons, images, audio and video clips and software, as well as the compilation of the content, is the property of www.ifbbank.com and/or its licensors and is protected by U.S. and international copyright laws. Any unauthorized use of these materials may violate copyright, trademark or other laws. The entire contents of the www.ifbbank.com including graphics, text, images, logos, button icons, images, audio and video clips and software, as well as the compilation of the content, is the property of www.ifbbank.com and/or its licensors and are copyrighted under the United States copyright laws and international treaty provisions, including without limitation the Berne Convention. You may make: (a) one machine readable copy, (b) one backup copy, (c) one print copy of any portions of material downloaded from the different areas of the www.ifbbank.com solely for your own non-commercial use (which also excludes any use by any governmental, charitable, educational, or other institutional use that is not strictly of non-commercial use). Any other copying, redistribution, retransmission, re-purposing, alteration or publication of any downloaded material, is strictly prohibited without the express written consent of www.ifbbank.com

TRADEMARKS

www.ifbbank.com, logos and graphics are all trademarks of International Finance Bank Inc. Our trademarks may not be used (a) to identify products or services that are not International Finance Bank's (b) in any manner likely to cause confusion, (c) in or as a part of your own trademarks, (d) in a manner that implies that International Finance Bank sponsors or endorses your products or services or (e) in any manner that disparages or discredits International Finance Bank.

LINKS AND USE OF WWW.IFBBANK.COM MATERIALS

You understand that, except for information and services clearly identified as being supplied by International Finance Bank. International Finance Bank does not operate, control or endorse any information, products or services on the Internet in any way. Except for International Finance Bank's identified information and services, all information, products and services offered through the www.ifbbank.com or on the Internet generally are offered by third parties that are not affiliated with International Finance Bank. Additionally, affiliates of International FinanceBank if any are autonomous and any information, services or products they may offer on their own Internet sites may or may not be endorsed by International Finance Bank. To Other Sites: This site contains links to web sites operated by third parties.www.ifbbank.com provides these links for your convenience only. External links offered are strictly for the informational purposes and the enjoyment of viewers, no endorsement is implied or inferred. We do not control such web sites and are not responsible for their contents. www.ifbbank.com inclusion of links to such web sites does not imply any endorsement of the materials on such web site or any association with their operators. Moreover, www.ifbbank.com makes no representations whatsoever about any other web site which you may access through www.ifbbank.com. You understand further that the Internet contains unedited materials some of which are sexually explicit or may be offensive to you. You access such materials at your own risk. www.ifbbank.com has no control over and accepts no responsibility whatsoever for such materials. To www.ifbbank.com: We welcome links to www.ifbbank.com. You may not, however, state or imply any sponsorship or endorsement of your site by www.ifbbank.com, unless you have received our written approval to do so. You may use the www.ifbbank.com logo in order to create a link to www.ifbbank.com from your web site. This is a limited license to use the www.ifbbank.com logo solely for the purpose of creating such link. You may not vary the appearance of the logo, or any trademarks used in connection with the logo, in any way. You will replace or remove a logo that www.ifbbank.com determines is not an appropriate display or use of www.ifbbank.com marks. You may not use on your site any www.ifbbank.com trademarks, service marks or copyrighted materials or frame or otherwise incorporate any portion of the www.ifbbank.com site into another website. Other www.ifbbank.com Materials: In addition to the limited license to use the www.ifbbank.com logo, you can download our graphics and text for personal use, but you're not allowed to use them for commercial purposes or public display. You are not permitted to download any other www.ifbbank.com material, including code or software, for any purposes whatsoever. You may not modify, copy, reproduce, republish, upload, post, transmit or distribute the www.ifbbank.com materials in any way. Before you use any of the www.ifbbank.com materials for commercial purposes, you must receive www.ifbbank.com express written consent. In order to obtain that consent, please send an e-mail to info@Intlfinancebank.com with the following information: (a) your name, position, organization, address and telephone number; (b) the www.ifbbank.com content, text or graphics you want to use; (c) where, how and when you will be using the materials; (d) to whom the materials will be distributed, in what amount and for what purpose; and (e) other information that will be included with the www.ifbbank.com material. We will send you an e-mail letting you know whether or not we grant permission for your use of the material. This decision will be made at www.ifbbank.com sole discretion. If you do use www.ifbbank.com materials, you may not remove any copyright or proprietary notices from the materials and you must comply with any proprietary notice guidelines on this site.

SUBMISSIONS AND COMMUNICATION TOOLS

By posting messages, uploading files or inputting data on the site, you grant (or represent and warrant that the owner of such information grants) www.ifbbank.com a royalty-free, perpetual, non-exclusive, worldwide license to use, copy, modify, adapt, transmit, translate, create derivative works from or display any of the information and sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to such information. This site may contain bulletin boards, email, chat rooms, forums or other public posting areas ("Communication Tools"). While www.ifbbank.com does not monitor the message, information, files or data posted on the site or transmitted using on the Communication Tools, it may edit, refuse to post or remove any information or materials, in whole or part, that in www.ifbbank.com sole discretion are objectionable, in violation of these Terms of Use, or for any other reason. You agree not to use the Communication Tools: (1) in connection with chain letters, junk e-mail, junk phone messages, junk faxes, spamming, or any duplicative or unsolicited messages (commercial or otherwise); (b) to harvest or otherwise collect information about others, including e-mail addresses, without their consent; (3) to create a false identity or forged e-mail, telephone, or facsimile address or header, or otherwise attempt to mislead others as to the identity of the sender or the origin of the message; (4) to transmit unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material of any kind or nature; (5) to transmit any material that may infringe the intellectual property rights or other rights of third parties, including trademark, copyright, or right of publicity; (6) to libel, defame or slander any person or entity, or infringe any person's publicity or privacy rights; (7) to transmit any material that contains viruses, trojan horses, worms, time bombs, cancelbots, or any other harmful or deleterious programs; (8) to violate any U.S. law regarding the transmission of technical data or software exported from the United States; (9) to interfere with or disrupt networks connected to the Communication Tools or violate the regulations, policies, or procedures of such networks; (10) to attempt to gain unauthorized access to the Communication Tools, other accounts, computer systems, or networks connected to the Communication Tools, through password mining or any other means; (11) to interfere with another person's use and enjoyment of the Communication Tools or the site or another entity's use and enjoyment of similar services; (12) to solicit funds via the telephone utilizing computer automated voice; or (13) to engage in any other activity that www.ifbbank.com reasonably believes could subject it to criminal liability or civil penalty or judgment. You will defend and indemnify www.ifbbank.com and any of its suppliers, partners or affiliates for any loss or damage they may suffer as a result of your breach of this provision.

DISCLAIMER

THIS SITE IS PROVIDED BY WWW.IFBBANK.COM ON AN "AS IS" BASIS. WWW.IFBBANK.COM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT AS TO THE OPERATION OF THE SITE, THE INFORMATION, CONTENT, MATERIALS OR PRODUCTS, INCLUDED ON THIS SITE, INCLUDING THE ACCURACY, TIMELINESS OR COMPLETENESS OF THE INFORMATION PROVIDED ON THE SITE, OR SITES HYPERLINKED TO THE SITE, OR A USER'S RELIANCE ON OR USE OF ANY INFORMATION OR TOOLS PROVIDED ON OR THROUGH THE SITE, OR ANY FAILURE OF PERFORMANCE CAUSED BY OR ARISING OUT OF USE OF OR ACCESS TO ANY CONTENT OR INFORMATION CONTAINED IN THE SITE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WWW.IFBBANK.COM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OR MERCHANTABILITY, FITNESS OR A PARTICULAR PURPOSE TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL INTERNATIONAL FINANCE BANK OR ITS AFFILIATES IF ANY BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMTED TO, LOST DATA OR PROFITS), OR ANY OTHER DAMAGES WHATSOEVER WHETHER OR NOT ADVISED OF THE POSSIBILITY OF DAMAGE, UNDER ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS INFORMATION. THIS INFORMATION COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES MAY BE PERIODICALLY ADDED TO THE INFORMATION HEREIN. YOU AGREE THAT WWW.IFBBANK.COM AND ANY OTHER PARTIES INVOLVED IN CREATING AND DELIVERING THIS SITE'S CONTENT, MATERIALS OR PRODUCTS HAVE NO LIABILITY FOR DIRECT, INDIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES WITH RESPECT TO THE INFORMATION, SERVICES, CONTENT OR ADVERTISEMENTS CONTAINED ON OR OTHERWISE ACCESSED THROUGH THIS SITE OR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER OF THE SITE. IN NO EVENT SHALL WWW.IFBBANK.COM'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE, EXCEED $50. APPLICABLE LAW AND JURISDICTION.

RESTRICTED RIGHTS

Use, duplication, or disclosure by the United States Government is subject to the restrictions set forth in FAR 52.227-19 or DFARS 252.227-7013 subparagraph (c), as applicable, relating to Commercial Computer Software -- Restricted Rights. www.ifbbank.com is presented by www.ifbbank.com, Inc. from within the United States of America. www.ifbbank.com makes no representation or claim that the materials in the www.ifbbank.com are available for use or appropriate in locations outside the United States of America. Neither www.ifbbank.com nor any underlying information or technology - including, but not limited to, www.ifbbank.com software - may be downloaded or otherwise exported or re-exported into, or to a national resident of, any country to which the United States has embargoed goods or to anyone on the U.S. Treasury Department's list of Specially Designated Nations or the U.S. Commerce Department's Table of Denial Orders. By downloading or using any element of the www.ifbbank.com, you are agreeing to the foregoing and are certifying that you are not located in, under the control of, or a national or resident of any such country or on any such list. Additionally, you are responsible for complying with any and all local laws in your jurisdiction which may impact your right to use the www.ifbbank.com This site is created and controlled by www.ifbbank.com in the State of Florida, USA. www.ifbbank.com makes no representation that materials in this site are appropriate or available for use in other locations. If you access this site from another location, you do so on your own initiative and are responsible for compliance with local laws, if and to the extent they are applicable. By accessing this site, you and www.ifbbank.com both agree the laws of the State of Florida will govern all matters relating to this site, without giving effect to any principles of conflicts of laws. You also consent to the exclusive jurisdiction and venue of the state and federal courts of the State of Florida in all disputes arising out of or relating to the use of this site. If any provision of these Terms of Use shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the matters contained herein and shall not be modified, except in writing.

International Finance Bank