This Privacy Policy of Canadian Trust Bank. applies to individual consumers who are current or former customers of Canadian Trust Bank as broker, banker or futures commission merchant, and individual consumers who apply for such services. This Notice refers to personal information, which is nonpublic information that personally identifies you or relates to your accounts.

In servicing your needs and maintaining your trust, Canadian Trust Bank and its employees endeavor to maintain and protect the privacy of your personal information. In servicing accounts, Canadian Trust Bank does collect personal information from the following sources:

Canadian Trust Bank receives from you on customer account agreements, related documents, or other forms; Information about your transactions at Canadian Trust Bank, our affiliates, or others;

Information Canadian Trust Bank receives from outside entities relating to the application approval process; and Information collected on customer visits to Canadian Trust Bank of companies web or customer account sites. If you elect to use our online products or services, Canadian Trust Bank assigns you a user ID and password so that Canadian Trust Bank may recognize you as a registered user, and Canadian Trust Bank may collect information about your visits to our web or customer account sites through that ID and password.

To process or service your account, Canadian Trust Bank may share some personal information with affiliated companies.

Canadian Trust Bank may share your personal information with third parties that are not affiliated with Canadian Trust Bank only in the following limited circumstances, which are permitted by law:

To entities that assist Canadian Trust Bank in processing or servicing your account or transactions;

To entities that may perform marketing services on Canadian Trust Bank of companies behalf or to other financial institutions with which Bank & Trust may have joint marketing agreements and with which Canadian Trust Bank has agreements that prohibit the entity from disclosing or using the information other than to carry out the purposes for which it was disclosed; and To regulators, law enforcement personnel, and other persons or entities where Canadian Trust Bank believes in good faith that disclosure is required or permitted by law, such as in a regulatory audit or examination or in response to a subpoena or legal process.

Canadian Trust Bank protects the confidentiality and security of your personal information.

Canadian Trust Bank restricts access to your personal information to those employees who need to know that information to provide products or services to you, and Canadian Trust Bank of companies employees are bound by its privacy policy to maintain confidentiality and use customers personal information only for business purposes. Canadian Trust Bank maintains physical, electronic and procedural safeguards to protect the confidentiality of your personal information.

Canadian Trust Bank will provide notices of its privacy practices.

Canadian Trust Bank will provide annual notices to its individual consumers who are customers regarding its privacy policy and, if there is any change in the policy prior to the time that an annual notice would otherwise be provided, a revised privacy notice. In addition, if applicable, Canadian Trust Bank will provide required notices to former customers and other consumers before disclosing any information to nonaffiliated third parties.

Canadian Trust Bank makes every effort to keep your personal information accurate and up to date. If you identify any inaccuracy in your personal information, please contact your account Executive at Canadian Trust Bank so that your records can be updated. Foreign investors

The Site and the Materials on the Site are intended to be made available only to individuals who reside in the United States. Because of the global nature of the Internet, you agree to comply with all local rules with respect to your account and your online conduct, including all laws, rules, codes, and regulations of the country in which you reside and the country from which you access this Site, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills, and statutes pertaining to tax, contracts, intellectual property, securities, e-commerce, banking, technology, computers, fraud, and privacy. In addition, you agree to comply with all applicable laws, rules, codes, and regulations regarding the transmission of technical data exported from the United States.

Nothing on the Site shall be considered a solicitation to buy, or an offer to sell, a security or any other product or service, to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

Disclaimer of warranties

Canadian Trust Bank DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND ABOUT THE SITE, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE SITE IS MADE AVAILABLE TO YOU "AS IS" AND "AS AVAILABLE" AND Canadian Trust Bank-CREF DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED.

Canadian Trust Bank DOES NOT WARRANT THAT THE SITE WILL MEET YOUR NEEDS, OR THAT IT WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. Canadian Trust Bank ALSO MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS.

Limitation of liability

Canadian Trust Bank WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE SITE AND THIRD-PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF Canadian Trust Bank-CREF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.

Canadian Trust Bank WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH Canadian Trust Bank DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACTS OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR A GOVERNMENT ACTION.

IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR IF YOU ACCESS THE SITE SOLELY THROUGH AN ARRANGEMENT WITH YOUR EMPLOYER OR PLAN SPONSOR, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

ANY MATERIALS DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS SITE ARE DONE AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER EQUIPMENT, OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD.

Termination

The rights granted to you herein terminate immediately upon any violation by you of these Terms of Use. Canadian Trust Bank, in its sole discretion, reserves the right to temporarily or permanently terminate your access to and use of this Site at any time and for any reason whatsoever, without notice or liability. Canadian Trust Bank will not be liable to you or any third party for any termination of your access to or use of this Site.

Governing law

Unless otherwise agreed, these Terms of Use and their enforcement are governed by the laws of the State of New York, without regard to conflicts of law, and shall inure to the benefit of Canadian Trust Bank's successors and assigns, whether by merger, consolidation, or otherwise.

Brokerage clients

Canadian Trust Bank Brokerage, a division of Canadian Trust Bank-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC , distributes securities. Brokerage accounts are carried by Pershing LLCOpens in a new window, a subsidiary of The Bank of New York Mellon Corporation, Member FINRA, NYSE, SIPC. If you hold a Canadian Trust Bank Brokerage account, your brokerage account is subject to Pershing's terms of useOpens dialog. These Terms of Use were last modified in June 2020.

360˚ Financial View users The 360° Financial View service is provided by Yodlee, Inc. Your use of 360º Financial View is subject to service terms of useOpens dialog to which you agreed when you first accepted the Service. We reserve the right to correct any error(s) with secure access inquiries and transactions.

Canadian Trust Bank Consultation SMS Alerts Note: Adding your mobile phone number to your financial consultation appointment allows Canadian Trust Bank to send confirmation, reminder, and cancellation alerts via text messaging which you opt into.

These text messages will occur upon registering for your financial consultation, 48 hours before your scheduled consultation, two hours before scheduled consultation, and also in the event you cancel your scheduled consultation. Text messages will not occur after your two hour appointment reminder. Only in the event that you opt in during registration for a future financial consultation will text messages reoccur. Alternatively, to discontinue receiving text messages prior to attending your financial consultation, text STOP to [54991].

We may also use this mobile phone number to call you regarding your financial consultation. Messaging and data rates may apply; contact your carrier about your plan. Canadian Trust Bank does not charge for this service.