Terms and conditions

- Terms and conditions

## PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY

#### Use of Website

Contents are included in this Website solely for the personal use of Website users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this Website without the prior written consent of Skytrust Online Banking Online Bank, which may be withheld in its sole discretion.

#### Copyrights and Other Intellectual Property :

Except where otherwise expressly noted herein, all Contents of this Website, including the graphics, icons and overall appearance of the Website, are the sole and exclusive property of Skytrust Online Banking Plc Online Bank and/or its sBMSBidiaries or affiliates. The posting of the Contents of this Website neither constitutes a waiver of any of Skytrust Online Banking Plc Online Bank's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, servicemarks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the Website user or to any third party. Contents of this Website are protected by UK and international copyright laws, both as individual works and as a collection and by UK and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Website.

> "The display of the above trademarks within this Website does not grant a license of any kind to the reader. Any downloading of material contained in the site, or of any site linked to the site may be a violation of federal trademark and copyright laws. Any downloading of Contents of this Website or any website linked to this Website may be a violation of federal and other trademark laws and federal copyright laws."

### Use of Website

Contents are included in this Website solely for the personal use of Website users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this Website without the prior written consent of Skytrust Online Banking Online Bank, which may be withheld in its sole discretion

## Links to Other Websites :

Lumina Bank may establish links between this Website and one or more Websites operated by third parties. Lumina Online Bank has no control over any such other Websites or the contents therein. The existence of any such links shall not constitute an endorsement by Lumina Bank of such Websites, the contents of the Websites, or the operators of the Websites.

##### Governing law :

These Terms and Conditions shall be governed by and construed in accordance with the law of the State of United Kingdom, without regard to the conflict of laws thereof, and to the laws of the United States. Venue. Disputes arising from the use of this Website shall be exclusively subject to the jurisdiction of any federal or state court of United Kingdom. Severability. To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect.