Harris Private Bank | Legal and Disclosure

Legal and Disclosures

Please read these terms, conditions, and disclaimers carefully. By accessing this website, you agree to be bound by all these terms and conditions. Harris may change these terms and conditions, including the addition of new terms and conditions, from time to time without notice by posting the most recent version on the sites within www.harrisbank.com. Please access and review this Legal section regularly. If you find any of the terms or conditions unacceptable to you at any time, please discontinue your use of this website. By continuing to access this website after the date of any changes to these terms and conditions, you agree to be bound by the new or changed terms and conditions.

These terms and conditions are in addition to those that apply to any accounts you may have with Harris. Where appropriate, please review those specific terms and conditions.

Nonresponsibility

Harris and its affiliates are not responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out of use of online banking, use of this website, or reliance on the information or services provided by either. Harris and its affiliates will not be responsible for any losses or damages you may incur if you communicate confidential information to us over the Internet, or if we communicate such information to you at your request.

Available Only Where Permitted by Law

The products and services described in pages of the website of Harris are only offered only in jurisdictions where they may be legally offered for sale.

Applicable Agreements and Disclosures

All products and services of Harris and any of the Bank’s affiliates are subject to the terms of this Legal section as well as the terms of applicable agreements. The appropriate disclosures will be mailed to customers when they open accounts. You may request these documents before opening your accounts by calling 1-800-LION101 (1-800-546-6101).

Use of Information Included on this Website

The financial market data, including quotes, charts and news, are provided by various information suppliers that are independent of Harris and its affiliates. The information provided on this website is intended for informational purposes only and is not intended to constitute financial, accounting, legal or tax advice. Many factors unknown to us may affect the applicability of any statement or comment that we make on our website to your particular circumstances. You should consult directly with a Harris professional or your tax or legal advisor or other financial provider before acting on any information on this website.

Calculators

Calculators or projections are provided for general illustrative purposes only and are not warranted to be accurate or complete.

Accuracy and Changes

Facts and information, when placed on this website, were believed to be accurate. Product offers, rates, terms and other information provided herein are subject to change without notice. Completeness or accuracy of the information provided herein is not guaranteed.

Hyperlinks Are Not Endorsements

Links to other website or references to other products, services or publications do not imply the endorsement or approval of such website, products, services or publications by Harris or its affiliates. Third- party websites reached through links from our website may also have privacy and security policies different from Harris and its affiliates, and may provide less security. We are not responsible for the collection, use or security of information by companies outside of Harris that may be linked to on our website. Please review the privacy and security policies of websites reached through links from the Harris website.

Trademarks Belonging to Harris or Other Website Entities

Certain names, graphics, logos, icons, designs, words, titles or phrases at this website may constitute registered trade names, trademarks or service marks of Harris or other entities. The display of the above on pages at this website does not imply that a license of any kind has been granted. Any unauthorized downloading, retransmission or other copying or modification of the above and/or the contents herein may be a violation of the law and could subject those engaging in such activities to legal action.

Some registered trade names, trademarks or service marks contained on this website include, but are not limited to, the following:

™*—Netscape is a registered trademark and Netscape Navigator is a trademark of Netscape Communications Corporation.

™**—JavaScript is a registered trademark of Sun Microsystems, Inc.

®—VISA is a registered trademark of Visa International.

®—Windows is a registered trademark and Internet Explorer is a trademark of Microsoft Corporation.

®!—MasterCard is a registered trademark of MasterCard International.

®**—Apple and Macintosh are registered trademarks of Apple Computer, Inc.

®†—Plus is a registered trademark of Plus System, Inc.

Harris is licensed by DTC under U.S. Patent Nos. 5,910,988 and 6,032,137.

All information at this site is protected under the copyright laws of the United States and in other countries. In addition, certain information may have been copyrighted by others. Unless otherwise specified, no one has permission to copy, redistribute, reproduce or republish in any form, any information found at this website. Inquiries about permission should be directed to:

Marketing Department, 111/21W
Harris
111 West Monroe
P.O. Box 755
Chicago, IL 60690

Disclaimer of Warranty and Limitation of Liability

HARRIS AND ITS AFFILIATES DO NOT WARRANT THE ACCURACY, COMPLETENESS, QUALITY, ADEQUACY OR CONTENT OF ANY INFORMATION OR TOOL ON THIS WEBSITE NOR DOES IT MAKE ANY WARRANTS AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE.

SUCH INFORMATION OR TOOL IS PROVIDED AS IS, WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED CONDITIONS AND WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE MAY NOT APPLY TO YOU.

HARRIS AND ITS AFFILIATES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, LOST REVENUES, LOST PROFITS OR PROSPECTIVE ECONOMIC ADVANTAGE, RESULTING FROM THE USE OR MISUSE OF THIS WEBSITE, OR THE INFORMATION, DOCUMENTS, SOFTWARE OR CONTENT THEREOF, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SUCH ARE REASONABLY FORSEEABLE.

Important Notices

If you choose to access any software available through links from this website, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system. You should also ensure that you have a complete and current backup of the information contained on your computer system prior to installing such software.

Disclaimer

Harris Private Bank is a trade name used by various financial service providers in the Harris Financial Corp. Banking products and services offered by Harris Private Bank are provided by Harris N.A., The Harris Bank N.A. and their bank affiliates. Member FDIC. Harris SBSB™ is a brand name used by Sullivan, Bruyette, Speros and Blayney, Inc., an SEC registered investment advisor. No banking services offered through Harris SBSB™. Family Office Services are provided by Harris myCFO, Inc. Investment Advisory Services are also offered by Harris myCFO Investment Advisory Services LLC, an SEC-registered investment advisor and a wholly-owned subsidiary of Harris myCFO, Inc. Brokerage products offered through Harris Investor Services, Inc., registered broker/dealer, member FINRA/SIPC. SEC-registered investment adviser. Insurance and annuities offered through Harris Bancorp Insurance Services, Inc. Harris Investor Services, Inc., and Harris Bancorp Insurance Services, Inc., are affiliated companies. Through Harris enCircle®, Harris does not engage in rendering care management services, advice or tax preparation. Not all products and services are offered in every state and/or location. Estate planning requires legal assistance, which Harris does not provide; consult your personal counsel.

Products offered are: NOT A DEPOSIT – NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY – NOT GUARANTEED BY ANY BANK – MAY LOSE VALUE.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

External link leaving harrisbank.com Third party web sites may have privacy and security policies different from Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from Harris web sites.Third-party websites may have privacy and security policies different from Harris. Links to other websites do not imply the endorsement or approval of such websites. Please review the privacy and security policies of websites reached through links from Harris websites.

United States Department of Treasury Regulation Circular 230 requires that we notify you that, with respect to any statements regarding tax matters made herein, including any attachments, (1) nothing herein was intended or written to be used, and cannot be used by you, to avoid tax penalties; and (2) nothing contained herein was intended or written to be used, and cannot be used, or referred to in any marketing or promotional materials. Further, to the extent any tax statement or tax advice is made herein, Harris N.A. and its affiliates do not and will not impose any limitation on disclosure of the tax treatment or tax structure of any transactions to which such tax statement or tax advice relates. Harris N.A. and its affiliates do not provide legal advice to clients. You should review your particular circumstances with your independent legal and tax advisors.

Publications

The views and opinions expressed in the books referenced above are those of the authors only and are not to be attributed to Harris N.A. or its parent company, Bank of Montreal, or any of their subsidiaries, affiliates, employees, directors or officers (collectively, "Harris"), Harris does not necessarily endorse or support the views or opinions set forth in these books. The authors alone are responsible for the accuracy and reliability of any performance information provided in these books. Past performance is no guarantee of future results. These books are not intended to constitute investment advice or recommendation with respect to any particular security or basket of securities. Harris is not responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out of reliance on the information contained in these books.