DISCLAIMER

The products and services on this website are offered by Stanbic IBTC Asset Management Limited ("SIAML"), a wholly owned subsidiary of Stanbic IBTC Bank Plc ("SIBTC") only in jurisdictions where and when they may lawfully be offered and the material on these pages is not intended for use by persons located in or resident in jurisdictions which restrict the use of the services or products we offer. Persons accessing these pages are required to inform themselves about and observe any relevant restrictions.

While SIAML attempts to ensure that the contents within the pages of this Web site are accurate, current, complete, fit for its intended purpose and compliant with the relevant Nigerian Legislation and regulations as at the date of issue, SIAML makes no representation or warranty, whether express or implied, as to the operation, integrity, availability or functionality of this Web site or as to the accuracy, completeness or reliability of any information on this Web site.

Any person who relies on this Web site or on the information contained in this Web site does so at their own risk.

Stanbic IBTC Bank Plc also makes no warranty or representation, whether express or implied, that the information or files available on this Web site are free of viruses, destructive materials or any other data or code which is able to corrupt, compromise, jeopardize, disrupt, disable, harm or otherwise impede in any manner the operation of a computer system, computer network or your hardware or software. You accept all risk associated with the existence of such viruses, destructive materials or any other data or code which is able to corrupt, compromise, jeopardize, disrupt, disable, harm or otherwise impede in any manner the operation or content of a computer system, computer network or your hardware or software.

You agree that every transaction and information you provide on this Web site is entered into and provided with your informed consent.

Neither SIAML nor Stanbic IBTC Bank accepts any responsibility for information contained in any other sites which can be accessed by hypertext link from these pages or for these sites not being available at all times. None of the investments contained in this website are recommended.

Any investment made by you through the use of this website is based on your guarantee that you are an individual who is able to bear the economic risk of investment.

Please remember that past performance is not necessarily a guide to future performance. The value of units and shares and the income from them can go down as well as up and investors may not get back the amount originally invested. Exchange rate changes may cause the value of investments made by offshore investors to rise or fall. For further details on any of the funds or products mentioned, please read the relevant offering document or prospectus.

Exclusion of liability

Stanbic IBTC Bank, its affiliates, subsidiaries, employees, servants and agents shall in no way be liable for any direct, indirect, incidental, special or consequential loss or damages which might arise from the use of, or reliance upon, any material or content contained in the Web site or any linked Web sites, even if Stanbic IBTC Bank has been advised of the possibility of such loss, expense, claim or damages.

You hereby indemnify SIAML and Stanbic IBTC Bank, their affiliates, subsidiaries, employees, servants and agents against any loss, claim or damage which may be suffered by them or any third party arising in any way from your use of this Web site.

Termination and Amendments

SIAML or Stanbic IBTC Bank may in its sole discretion terminate, suspend and modify this Web site and/or your use of this Web site, with or without notice to you. You agree that neither SIAML nor Stanbic IBTC Bank will not be liable to you in the event that it chooses to suspend, modify or terminate this Web site or your use of this Web site. Stanbic IBTC Bank and/or a connected company may have a position in any of the investments mentioned in this document. Stanbic IBTC Management is authorized and regulated by Securities & Exchange Commission to conduct investment business in Nigeria. By clicking on the I AGREE button you shall be deemed to have accepted and agreed to be bound by the terms of this Important Legal Notice.

Privacy Statement

If you choose to complete any of our on-line forms the personal information you provide will be used by Stanbic IBTC Bank to enable us answer your queries and to provide you with information about the products that are of interest to you. It may also be used to monitor the progress of your enquiry within Stanbic IBTC Bank and to register any subsequent sale of any of our products about which you have enquired. We may also use such information to update our website for you and to keep you informed of further product information and site developments if you have indicated any such preference.

If you complete a retail product application form, Stanbic IBTC Bank will use the personal information you have given by completing this form to set up and administer your investment including purchasing shares in your selected fund(s) and providing valuations and making payments. If you have appointed a financial adviser to act on your behalf, we will make details of the investment available to him and also send copies of correspondence to him where appropriate to enable him give you advice. The personal information you provide to us will be kept confidential. We will not sell or transfer the personal information that you provide us to third parties for the purposes of marketing products or services to you. Agents and contractors of ours who are given access to the personal information that you provide us will be required to keep this information confidential and not to use it for any purpose other than to carry out the services they are providing for us.

We have requested for your e-mail address. In the future, we may ask you for certain additional information. The purpose of these requests is to enable us to communicate with you and to support your relationship with us.

Your personal data shall not be used or disclosed in any manner incompatible with the purposes for which they are held save that, circumstances may arise when we are required to disclose your personal information to third parties for purposes other than to support your customer relationship with us such as in a corporate divestiture or dissolution where we sell all or a portion of our business or assets (including our associated customer lists containing your personal information), or if disclosure is required by law or is pertinent to judicial or governmental investigations or proceedings.

Your personal data shall be protected by reasonable security measures against unauthorized access, alteration, disclosure, destruction or loss.