Please read these important notices which are for your and our protection. Once you have read and agreed with them you may continue.

The information contained in the Ansbacher Banking Group website (“the website”) is issued and approved by Ansbacher & Co Limited (a United Kingdom incorporated company) solely for the purposes of Section 21 of the United Kingdom's Financial Services and Markets Act 2000. Ansbacher & Co Limited is authorised and regulated by the Financial Services Authority in the United Kingdom.

The information available in the website is for information purposes only. Access to the website is governed by the terms and conditions and important notices which are set out below.

The governing law applying to the website and the use of the website is English law. If any dispute arises concerning the information on the website or the use of the website, the dispute will be heard by the English courts. You agree to allow such a dispute to be heard by the English courts.

The information provided in the website is provided in good faith, and whilst every care has been taken in the preparation of information contained in it, no responsibility is accepted for any errors which, despite all precautions, it may contain.

The information in the website may be updated or Ansbacher may decide to alter either the information in the website or the structure of the website at any time without giving warning. Opinions or estimates reflect Ansbacher's judgement at the date of the issuance of the information and such opinions and estimates are also subject to change without notice. This disclaimer, however, does not apply to the extent that it is inconsistent with the rules of the Financial Services Authority.

Information in the website also contains information about services which are subject to restrictions about persons who may receive such information. The information in the website is not directed at anyone in a particular jurisdiction who by virtue of being in that jurisdiction, would be prohibited from receiving or having such information made available to him/her/it. Accordingly, information in the website must not be circulated or copied to anyone where to do so may constitute an infringement of any local laws or regulations.

Neither the website, nor any of the information it contains, constitutes or will form the basis of a representation, a contract or a term of any contract. It is essential that before proceeding with any course of action, you take relevant professional advice, particularly professional advice on individual tax and/or estate planning or exchange control in your country of residence and/or domicile.

If you do not understand, or if you have any queries about, any of the information appearing in the website, please contact your professional advisor.

Information in the website and Ansbacher logos and trademarks (whether licensed or unlicensed) belong to Ansbacher and may not be copied, reproduced or transmitted without Ansbacher's specific and prior written consent. In the event that such information, logos or trademarks are copied, reproduced or transmitted without Ansbacher's specific prior written consent, remedies at law may be inadequate to protect Ansbacher. In such circumstances Ansbacher shall be entitled to seek and obtain injunctive relief, specific performance or other equitable relief (without having to prove actual damages).

There may be hyper links or automatic links from the website to other third party websites. Ansbacher accepts no responsibility for the content or the services or products or any matter offered by or through such websites. You are advised that you may lose protections offered in the website if you do rely upon information and services offered in other third party websites.

You are advised that the use of the Internet as a form of communication is not yet secure and information transmitted through the Internet as a communication medium may be intercepted and/or read by third parties. You should not, therefore, rely upon your communication on the Internet as a secure form of communication.

You are advised to consult your own tax advisors on the possible tax consequences under the laws of your country of citizenship, residence or domicile before utilizing any of the services that are available from Ansbacher.

The Ansbacher Companies are required to verify the identity of, and obtain certain information from, prospective clients with measures aimed at the prevention of money laundering. By way of example, you may be required to produce a copy of a passport or identification card duly certified by a public authority, such as a notary public, together with evidence of your address. Ansbacher services will not commence until such time as the Ansbacher Company has received and is satisfied with all the information and documentation required to verify your identity.

Telephone calls with any Ansbacher Company may be recorded and monitored.

Important notices about Ansbacher

Ansbacher & Co Limited is duly authorised under the United Kingdom’s Financial Services and Markets Act 2000 to carry on deposit taking business in the United Kingdom and had, at 31 December 2009, paid up share capital and reserves in excess of £54 million.

Although Ansbacher (Channel Islands) Limited is regulated by the Jersey Financial Services Commission to conduct banking business, it is only handling legacy matters. Ansbacher (Channel Islands) Limited had, at 31 December 2009, paid up share capital and reserves in excess of £6 million.

Copies of the latest audited accounts of Ansbacher & Co Limited and Ansbacher (Channel Islands) Limited are available on request.

QNB International Holdings Limited Sàrl, a company incorporated in Luxembourg, is the parent company of the Ansbacher Banking Group. The Ansbacher Banking Group comprises all the offices that are refered to on the Contact Us page of the website. The ultimate parent of QNB International Holdings Limited Sàrl is Qatar National Bank S.A.Q., a company incorporated in Qatar and quoted on the Doha Stock Exchange.

Important notices about banking services of Ansbacher

All, or most of, the protections, in particular the protections afforded to private/retail customers, provided by the United Kingdom's Financial Services and Markets Act 2000 do not apply to business conducted with non United Kingdom companies within the Ansbacher Banking Group, or to business conducted with non United Kingdom locations. Such business is also excluded from the United Kingdom's Financial Services Compensation Scheme.

Ansbacher & Co Limited is able to accept deposits in major currencies. Contact details for Ansbacher & Co Limited can be found on the ‘Contact Us’ page of the www.ansbacher.com website.

Ansbacher & Co Limited is a member of the Financial Services Compensation Scheme established under the United Kingdom's Financial Services and Markets Act 2000. Deposits with Ansbacher & Co Limited (plus accrued interest) are protected up to an amount of 100% of the first £50,000 (or currency equivalent) of a depositor's total deposits. Most depositors, including individuals and small firms, are covered. Further details of the United Kingdom's Financial Services Compensation Scheme are available on request.

If a customer wishes to make a complaint about a service provided by Ansbacher, the customer should contact the managing director of the relevant Ansbacher Company at the address as set out on the Contact Us page of the website. A copy of the Ansbacher complaints procedure is available upon request.

Any complaints in relation to services provided by Ansbacher & Co Limited which are not satisfactorily resolved by Ansbacher & Co Limited can be directed to: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. The Financial Ombudsman Service is an independent service set up by law to resolve disputes between consumers and financial firms. All services provided by the Financial Ombudsman Service are free for consumers.

Ansbacher (Channel Islands) Limited is incorporated in Jersey. Transactions with Ansbacher (Channel Islands) Limited do not fall within a dispute resolution scheme.

Deposits with Ansbacher (Channel Islands) Limited in Jersey do not fall within a deposit guarantee scheme.

Security will be requested for loans granted and this may comprise a mortgage over the debtor's home.

YOU MAY LOSE YOUR HOME IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

FOR FOREIGN CURRENCY LOANS/MORTGAGES, THE BASE CURRENCY EQUIVALENT OF ANY LIABILITY UNDER A FOREIGN CURRENCY LOAN/MORTGAGE MAY BE INCREASED BY EXCHANGE RATE MOVEMENTS.

This website should not be regarded as a solicitation for business in either the United States of America, a Member State of the European Union (other than the United Kingdom) or any other country where the local law prohibits the distribution or circulation of any of the information that is contained on the website.

May 2010