Disclaimer

The terms of this disclaimer ("Disclaimer") apply to this website (http://www.group.abnamro.com/future) of ABN AMRO Bank N.V., with its principal place of business located at Gustav Mahlerlaan 10, Amsterdam (P.O. Box 283, 1000 EA), The Netherlands, and registered in the Amsterdam Trade Registry under number 33002587 ("ABN AMRO"). Please read this Disclaimer carefully.

By visiting this website and or using the information provided on or via this website you agree to be bound by this Disclaimer. In the event of any conflict between the terms and conditions of specific products and services ordered via this website and this Disclaimer, the conditions specific to such products and services shall prevail.

Use of this website

The information provided on or via this website should not be used as a substitute for any form of advice. Decisions based on this information are for your own account and risk.

Although ABN AMRO attempts to provide accurate, complete and up-to-date information, which has been obtained from sources that are considered reliable, ABN AMRO makes no warranties or representations, express or implied, as to whether information provided on or via this website is accurate, complete or up-to-date.

ABN AMRO controls and maintains this website from The Netherlands and makes no representation that the information provided on or via this website is appropriate or available for use in other locations. If you use this website from other locations, you are responsible for compliance with applicable local laws.

ABN AMRO does not represent or warrant that this website functions without error or interruption.

Use of this website that may hinder the use of other Internet users, that can endanger/jeopardize the functioning of this website and/or affect the information provided on or via this website or the underlying software, is not permitted.

Third party information, products and services

Where ABN AMRO provides hyperlinks to third party websites, such links are not an endorsement by ABN AMRO of any products or services provided on or via such websites. The use of such links is entirely at your own risk and ABN AMRO accepts no responsibility or liability for the content, use or availability of such websites. ABN AMRO has not verified the truth, accuracy, reasonability, reliability, completeness of any content of such websites.

Intellectual Property

ABN AMRO, Fortis NV ("Fortis"), Royal Bank of Scotland Group plc ("RBS") and Banco Santander SA ("Santander") or the relevant owner, retain all rights (including copyrights, domain names, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this website (including all texts, graphics and logos). You may not copy, download, publish, distribute or reproduce any of the information contained on this website in any form without the prior written consent of ABN AMRO, Fortis, Royal Bank of Scotland Group plc, Santander or the appropriate consent of the owner. However, you may print out and/or download information contained on this website for your own personal use.

Links to this website are not permitted without the prior written consent of ABN AMRO.

Communication online

Messages that you send to ABN AMRO by email may not be secure. ABN AMRO recommends that you do not send any confidential information to ABN AMRO by email. If you choose to send any messages to ABN AMRO via email, you accept the risk that they may be intercepted, misused and modified by a third party.

Exclusion of liability

Neither ABN AMRO, Fortis, RBS or Santander nor any of its agents or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if ABN AMRO, Forits, RBS or Santander is advised of the possibility thereof) arising in any way from, including but not limited to, (i) any defects, viruses, or other malfunctions caused to any equipment and other software in connection with access or use of this website, (ii) the information provided on or via this website, (iii) the interception, modification or misuse of information transmitted to ABN AMRO, Fortis, RBS or Santander or transmitted to you, (iv) the functioning or non-availability of this website, (v) the misuse of this website, (vi) the loss of data, (vii) downloading or use of any software made available by this website, or (viii) claims of third parties in connection with the use of this website.

The exclusion of liability is also made for the benefit of directors and employees of ABN AMRO, Fortis, RBS and Santander.

Applicable law

This website and its Disclaimer shall be governed by and construed in accordance with the laws of The Netherlands. All disputes arising out of or in connection with this Disclaimer shall be submitted to the exclusive jurisdiction of the courts of The Netherlands.

In the event of a discrepancy or difference in interpretation between various language versions of this Disclaimer, the Dutch language version shall prevail.

Important information for US Persons

The offering, sale and/or distribution of many of the products or services described on this website is not intended in any jurisdiction to any person to whom it is unlawful to make such an offer, sale and/or distribution, including the United States. If you intend to obtain any product or service from ABN AMRO Bank N.V. ("ABN AMRO") that is described on this web site, you must first inform ABN AMRO whether you are a US Person or if you would not be allowed to obtain such products or services from ABN AMRO in your home jurisdiction.

This website and its respective contents do not constitute an offer or invitation to purchase or subscribe for any securities or a solicitation of any offer to sell any securities or any other banking product or service to US Persons. Any brokerage and investment advisory services described herein are not intended for U.S. Persons. Furthermore, any solicitation on this web site of retail banking services (including accepting and/or soliciting deposits), insurance services, mortgage and/or consumer lending services or credit card services is not intended for U.S. Persons.

"US Persons" are generally defined as a natural person, residing in the United States or any entity organized or incorporated under the laws of the United States. US Citizens living abroad may also be deemed "US Persons" under certain rules.

Neither ABN AMRO nor any of its affiliates accepts any liability whatsoever for any loss howsoever arising from any use of this website or its respective contents or otherwise arising in connection therewith. ABN AMRO cannot be held responsible for any damages or losses that occur from transactions and/or services in defiance of the relevant rules of the purchaser's home jurisdiction.

Amendments

ABN AMRO reserves the right to change the information provided on or via this website, including the terms of this Disclaimer, at any time and without notice. It is recommended that you review the information provided on or via this website, including the terms of this Disclaimer, periodically for changes.

Copyright 2007 ABN AMRO Bank N.V.