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Important Legal Information

Issued on behalf of the Banco Equador.

This website shall be governed by and construed in accordance with the law of São Tomé. The information, products and services referred to on this website are not directed at any person or entity in any jurisdiction or country outside those where the Banco Equador has an office.

The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment.

Past performance is not necessarily a guide to future performance.

Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment, and the income from it, to go up or down.

In the case of some investments, you should be aware that there is no recognised market for them and that it may therefore be difficult for you to deal in them or to obtain reliable information about their value or the extent of the risks to which they are exposed.

Any tax reliefs referred to on this website are those available under current legislation, which may change, and their availability and value will depend on your individual circumstances.

Certain investments carry a higher degree of risk than others and are, therefore, unsuitable for some investors. Before contemplating any transaction, you should consider whether you require financial advice, which we would be pleased to provide upon request.

Credit is available subject to status. Over 18s only. Written quotations available from Banco Equador, Rua de Moçambique, 3º B, S. Tomé, República Democrática de São Tomé e Príncipe. Security may be required.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

THE EXCHANGE RATE EQUIVALENT OF YOUR LIABILITY UNDER A FOREIGN CURRENCY MORTGAGE MAY BE INCREASED BY EXCHANGE RATE MOVEMENTS.

Mortgage loans are provided by the Banco Equador. Written quotations available from Banco Equador, Rua de Moçambique, 3º B, S. Tomé, República Democrática de São Tomé e Príncipe. Security is required for mortgage loans.

Any company in the Banco Equador Group, or a connected company, its clients and officers may have a position or engage in transactions in any of the securities mentioned. The research and analysis on this website have been procured, and may have been acted upon, by Banco Equador and connected companies for their own purposes, and the results are being made available to you on this understanding. Neither Banco Equador nor any connected company accepts responsibility for any direct or indirect or consequential loss suffered by you or any other person as a result of your acting, or deciding not to act, in reliance upon such research and analysis.

The information on this website is not intended as an offer or solicitation to buy or sell securities or any other investment or banking product, nor does it constitute a personal recommendation.

The information on this website is believed to be correct but cannot be guaranteed.Opinions constitute our judgement and are subject to change without notice.

Calls may be recorded.

Not all products and services offered by the individual companies which make up the Banco Equador Group are available in all jurisdictions, and some products and services may be available only through particular Banco Equador companies.

The information on this website is provided "as is" and has been compiled in good faith to provide information about Banco Equador and its products and services. Any of the information is subject to change without notice. Before acting on any information obtained from this website you should check it by calling your local Banco Equador office.

This website includes hypertext links that will lead you to websites which are not under the control of Banco Equador and its associated regulatory protections. When you activate any of these links you will leave the Banco Equador website and the Banco Equador Group has no control over and will accept no responsibility or liability in respect of the material that follows.

Copyright:

You may print or download to a local hard disk for your own personal use any of the material on this website. You may re-copy the material to another person, provided that you acknowledge the source of the material in the copy you send and inform the other person of these restrictions. You may not, without the express consent of Banco Equador, incorporate all or any part of this material in another work or publication, particularly if your intention is to distribute that other work or publication for commercial purposes. You may not reproduce, transmit or store all or any part of this material in any other website or other form of electronic retrieval system. Copying for temporary caching is permitted.

Internet Monitoring:

In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, The Banco Equador reserves the right to monitor all internet communications, including web and e-mail traffic, into and out of its domains. Such monitoring includes, but is not limited to, checks for viruses and other malignant code, criminal activity and use or content which breaches the Groups relevant internal policies. The Banco Equador also reserves the right not to deliver any communication that breaches its relevant internal policies. Additionally, the owner(s) and administrator(s) of the source domain or IP netblock may be informed where a communication is considered to be unlawful or in gross breach of common decency.