DISCLAIMER AND TERMS OF USE

1. Information provided “As Is”: The Bethesda Group (The Group) makes every effort to ensure
that its Site Information is accurate and that the materials contained in the Site, including,
without limitation, text, graphics, photos, links to web sites, other Internet resources or other
items (collectively “Site Materials”) are accurate. The Site Information and the Site Materials are
provided on an " as is" basis. The Group reserves the right, in its sole discretion, to modify, alter, and/or update the Site Information and/or the Site Materials, at any time, without notice.

2. The Group does not make any representation or warranty regarding the accuracy, adequacy,
timeliness, or completeness of the Site Information and/or the Site Materials and expressly
disclaims any and all liability for any errors in or omissions from the Site Information and the Site
Materials. No warranty of any kind, implied, express, or statutory, is given in conjunction with
the Site Information or the Site Materials. The Site Information and the Site Materials are
provided as a service only and may not always be the most current source for information about
The Group.

3. No Liability for the use of / Access to the Site: YOU ACKNOWLEDGE AND AGREE THAT THE GROUP
WILL NOT BE LIABLE FOR ANY DAMAGES, LOSSES OR EXPENSES (INCLUDING BUT NOT LIMITED
TO DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) ARISING
FROM YOUR USE OR INABILITY TO USE AND/OR YOUR ACCESS TO OR INABILITY TO ACCESS THE
SITE, THE SITE INFORMATION AND/OR THE SITE MATERIALS, OR AN ERROR, OMISSION,
INTERRUPTION, DEFECT, DELAY, COMPUTER VIRUS, SYSTEM FAILURE, LOSS OF DATA OR
OTHERWISE, EVEN IF CIBC FIRST CARIBBEAN OR ITS EMPLOYEES, OFFICERS, DIRECTORS,
SHAREHOLDERS, CONTRACTORS, AGENTS OR REPRESENTATIVES ARE ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES.

4. Hyperlinks & non-Group Sites: Hyperlinks to other websites are used at your own risk. The
Group makes no representations whatsoever about any web site which you may access through
the Site. You acknowledge and agree that: (i) when you access any other web site it is
independent from The Group and that it has no control over the access to, content of and/or
use of that web site; (ii) a link from the Site to any other web site does not mean that The Group
endorses or accepts any responsibility for the access to, content of and/or use of that web site;
(iii) you need to take precautions to ensure that your access from the Site, and access of and/or
use of the content of any other web site is free of items including, without limitation, viruses,
worms, trojan horses and other items of a destructive nature.