Third-Party Disclosures And Disclaimers

The PFaroe® product includes market data and other information sourced from third parties under licence. Certain licensors require Moody’s Analytics to make disclosures to, or to obtain acknowledgements or agreements from, Client which is effected by the disclosures and disclaimers below.

CUSIP

Client agrees and acknowledges that the CUSIP Database and information contained therein is and shall remain valuable intellectual property owned by, or licensed to, CUSIP Global Services (CGS) and the American Bankers Association (ABA), and that no proprietary rights are being transferred to Client in such materials or in any information contained therein. Any use by Client outside of clearing and settlement of transactions requires a license from CGS, along with an associated fee based on usage. Client agrees that misappropriation or misuse of such materials will cause serious damage to CGS and ABA, and that in such event money damages may not constitute sufficient compensation to CGS and ABA; consequently, Client agrees that in the event of any misappropriation or misuse, CGS and ABA shall have the right to obtain injunctive relief in addition to any other legal or financial remedies to which CGS and ABA may be entitled.

Client agrees that it shall not publish or distribute in any medium the CUSIP Database or any information contained therein or summaries or subsets thereof to any person or entity except in connection with the normal clearing and settlement of security transactions. Client further agrees that the use of CUSIP numbers and descriptions is not intended to create or maintain, and does not serve the purpose of the creation or maintenance of, a master file or database of CUSIP descriptions or numbers for itself or any third party recipient of such service and is not intended to create and does not serve in any way as a substitute for the CUSIP MASTER TAPE, PRINT, DB, INTERNET, ELECTRONIC, CD-ROM Services and/or any other future services developed by CGS.

Access to certain CGS data is expressly conditioned on the effectiveness of the CUSIP Distribution Agreement between CGS and iFAST Financial Pte Ltd and all such access shall automatically terminate upon termination of the license granted to iFAST under that agreement.

NEITHER CGS, ABA NOR ANY OF THEIR AFFILIATES MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, AS TO ACCURACY, ADEQUACY OR COMPLETENESS OF ANY INFORMATION CONTAINED IN THE CUSIP DATABASE. ALL SUCH MATERIALS ARE PROVIDED ON AN "AS IS" BASIS, WITHOUT ANY WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE NOR WITH RESPECT TO THE RESULTS WHICH MAY BE OBTAINED FROM THE USE OF SUCH MATERIALS. NEITHER CGS, ABA NOR THEIR AFFILIATES SHALL HAVE ANY RESPONSIBILITY OR LIABILITY FOR ANY ERRORS OR OMISSIONS NOR SHALL THEY BE LIABLE FOR DAMAGES, WHETHER DIRECT OR INDIRECT, SPECIAL OR CONSEQUENTIAL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE LIABILITY OF CGS, ABA OR ANY OF THEIR AFFILIATES PURSUANT TO ANY CAUSE OF ACTION, WHETHER IN CONTRACT, TORT OR OTHERWISE, EXCEED THE FEES PAID BY CLIENTFOR ACCESS TO SUCH MATERIALS IN THE YEAR IN WHICH SUCH CAUSE OF ACTION IS ALLEGED TO HAVE ARISEN. FURTHERMORE, CGS AND ABA SHALL HAVE NO RESPONSIBILITY OR LIABILITY FOR DELAYS OR FAILURES DUE TO CIRCUMSTANCES BEYOND THEIR CONTROL.

Client agrees that the foregoing terms and conditions shall survive any termination of its right of access to the materials identified above.

Copyright © 2020, American Bankers Association CUSIP Database provided by Standard & Poor’s Financial Services LLC. All rights reserved.

Markit

Copyright © 2016, Markit Indices Limited. Neither Markit Indices Limited (together with its affiliates or any third party data provider to any of them, Markit) makes any warranty, express or implied, as to the accuracy, completeness or timeliness of data provided by it nor as to the results to be obtained by recipients of that data. Markit shall not in any way be liable to Client for any inaccuracies, errors or omissions in the data provided by Markit, regardless of cause, or for any resulting damages (whether direct or indirect). Markit has no obligation to update, modify or amend the data or to otherwise notify Client thereof in the event that any matter stated herein changes or subsequently becomes inaccurate.

Without limiting the foregoing, Markit shall have no liability whatsoever to Client, whether in contract (including under an indemnity), in tort (including negligence), under a warranty, under statute or otherwise, in respect of any loss or damage suffered by Client as a result of or in connection with any opinions, recommendations, forecasts, judgments, or any other conclusions, or any course of action determined, by Client or any third party, whether or not based on the content, information or materials provided by Markit.

Moody's

© 2020, Moody's Analytics, Inc. and its licensors (Moody's). Moody's ® is a registered trademark. Moody's ratings and other information (Moody's Information) are proprietary to Moody's and are protected by copyright and other intellectual property laws. MOODY’S INFORMATION MAY NOT BE COPIED OR OTHERWISE REPRODUCED, REPACKAGED, FURTHER TRANSMITTED, TRANSFERRED, DISSEMINATED, REDISTRIBUTED OR RESOLD, OR STORED FOR SUBSEQUENT USE FOR ANY SUCH PURPOSE, IN WHOLE OR IN PART, IN ANY FORM OR MANNER OR BY ANY MEANS WHATSOEVER, BY ANY PERSON WITHOUT MOODY’S PRIOR WRITTEN CONSENT.

Standard & Poor's

Copyright ©2020, Standard & Poor’s Financial Services LLC (and its affiliates, as applicable). Reproduction of S&P credit ratings in any form is prohibited except with the prior written permission of Standard & Poor’s Financial Services LLC (“S&P”). S&P credit ratings are not investment advice and a reference to a particular investment or security, a credit rating or any observation concerning a security or investment provided in S&P credit ratings is not a recommendation to buy, sell or hold such investment or security or make any other investment decisions. None of S&P, its affiliates or their third-party information providers guarantee the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions, regardless of the cause or for the results obtained from the use of such information. S&P, its affiliates and their third-party suppliers disclaim any and all express or implied warranties, including but not limited to any warranties of merchantability or fitness for a particular purpose or use. In no event shall S&P, its affiliates or their third party suppliers be liable for any direct, indirect, special or consequential damages, costs, expenses, legal fees, or losses (including lost income or lost profit and opportunity costs) in connection with Client’s or any other person’s use of S&P credit ratings.

Each Client that accesses S&P credit ratings through PFaroe agrees that:

i. Neither Moody’s Analytics, RiskFirst, S&P, their affiliates nor any of their third-party suppliers shall have any liability for the accuracy or completeness of information furnished through PFaroe, or for delays, interruptions or omissions therein nor for any lost profits, indirect, special or consequential damages;

ii. S&P credit ratings are not investment advice and a reference to a particular investment or security, a credit rating or any observation concerning a security or investment provided in S&P credit ratings is not a recommendation to buy, sell or hold such investment or security or make any other investment decisions;

iii. S&P, its affiliates or their third-party suppliers have exclusive proprietary rights in the S&P credit ratings and any information received in connection therewith;

iv. Client shall not use or permit anyone to use S&P credit ratings for any unlawful or unauthorized purpose;

v. S&P credit ratings are being provided for Client’s internal use only and Client is not authorized or permitted to distribute or otherwise furnish such information to any third party without prior written approval of S&P;

vi. Access to S&P credit ratings is subject to termination in the event that any agreement between RiskFirst and S&P terminates for any reason; and

vii. S&P may enforce rights against Client as a third-party beneficiary, even though S&P is not party to the PFaroe Contract.

PFaroe may contain information obtained from third parties, including ratings from credit ratings agencies such as Standard and Poor’s. Reproduction and distribution of third content in any form is prohibited except with the prior written permission of the related third party. Third party content providers do not guarantee the accuracy, completeness, timeliness or availability of any information, including ratings, and are not responsible for any errors or omissions (negligent or otherwise), regardless of the cause, or for the results obtained from the use of such content. THIRD PARTY CONTENT PROVIDERS GIVE NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. THRID PARTY CONTENT PROVIDERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, EXEMPLARY, COMPENSATORY, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES, COSTS, EXPENSES, LEGAL FEES, OR LOSS (INCLUDING LOST INCOME

OR PROFITS AND OPPORTUNITY COSTS OR LOSSES CAUSED BY NEGLIGENCE) IN CONNECTION WITH ANY USE OF THEIR CONTENT, INCLUDING RATINGS. Credit ratings are statements of opinions and are not statements of fact or recommendations to purchase, hold or sell securities. They do not address the suitability of securities or the suitability of securities for investment purposes, and should not be relied on as investment advice.

Thomson Reuters

Copyright © 1999 - 2020, Thomson Reuters; all rights reserved. For purposes of this section, "Information" is any data or service provided by Thomson Reuters (Markets) LLC (together with its affiliates, Thomson Reuters). Thomson Reuters or its third party providers own and retain all rights, title and interest, including but not limited to copyright, trademarks, patents, database rights, trade secrets, know-how, and all other intellectual property rights or forms of protection of similar nature or having equivalent effect, anywhere in the world, in Information and Client is not granted any proprietary interest therein or thereto. Information constitutes confidential and trade secrets of Thomson Reuters or its third party providers. Display, performance, reproduction, distribution of, or creation of derivative works or improvements from Information in any form or manner is expressly prohibited, except to the extent expressly permitted hereunder, or otherwise, with prior written permission of Thomson Reuters.

Client may use Information for internal purposes only. Client may copy, paste and distribute internally only an insubstantial amount of the data contained in Information provided that: (a) the distribution is incidental to or supports Client’s business purpose, (b) the data is not distributed by Client in connection with information vending or commercial publishing (in any manner or format whatsoever), not reproduced through the press or mass media or on the Internet, and (c) where practicable, clearly identifies Thomson Reuters or its third party providers as the source of the data. Data will be considered in "insubstantial amount" if such amount (i) has no independent commercial value, (ii) could not be used by the recipient as a substitute for any product or service (including any download service) provided by Thomson Reuters or a substantial part of it.

To the extent that Information contains any third party data referred to in the General Restrictions/Notices page set forth on http://www.thomsonreuters.com/datause, the terms set forth on such General Restrictions/Notices page shall apply to Client.

Client acknowledges that access to certain elements of Information may cease or may be made subject to certain conditions by Thomson Reuters or upon the instructions of the third party provider of those elements. Upon termination or expiration of the PFaroe Contract (or Moody’s licence with Thomson Reuters), all rights granted hereunder shall immediately terminate and Client shall cease to use Information and delete or destroy all copies thereof in its possession or control.

Neither Thomson Reuters nor its third party providers warrant that the provision of Information will be uninterrupted, error-free, timely, complete or accurate, nor do they make any warranties as to the results to be obtained from use of the same. Use of Information and reliance thereon is at Client’s sole risk. Neither Thomson Reuters nor its third party providers will in any way be liable to Client or any other entity or person for their inability to use Information, or for any inaccuracies, errors, omissions, delays, computer virus or other infirmity or corruption, damages, claims, liabilities or losses, regardless of cause, in or arising from the use of Information. Information is provided on an “AS IS” basis and without warranty of any kind. No warranties either express or implied, including but not limited to any implied warranty of merchantability, fitness for a particular purpose, title, infringement or otherwise is provided hereunder. In no event will Thomson Reuters or its third party providers be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with Information, even if Thomson Reuters or its third party providers have been notified of such losses, damages or expenses. Further, Thomson Reuters and its third party providers shall not be liable in any manner for Moody’s products or services.

Source: Thomson Reuters

FTSE

Source: London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). © LSE Group 2020. FTSE Russell is a trading name of certain of the LSE Group companies. “FTSE®” is a trade mark of the relevant LSE Group companies and is used by any other LSE Group company under license. All rights in the FTSE Russell indexes or data vest in the relevant LSE Group company which owns the index or the data. Neither LSE Group nor its licensors accept any liability for any errors or omissions in the indexes or data and no party may rely on any indexes or data contained in this communication. No further distribution of data from the LSE Group is permitted without the relevant LSE Group company’s express written consent. The LSE Group does not promote, sponsor or endorse the content of this communication.”

MSCI

Copyright MSCI 2020 . All Rights Reserved. Without prior written permission of MSCI, this information and any other MSCI intellectual property may only be used for your internal use, may not be reproduced or redisseminated in any form and may not be used to create any financial instruments or products or any indices. This information is provided on an “as is” basis, and the user of this information assumes the entire risk of any use made of this information. Neither MSCI nor any third party involved in or related to the computing or compiling of the data makes any express or implied warranties, representations or guarantees concerning the MSCI index-related data, and in no event will MSCI or any third party have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) relating to any use of this information.

Index Level Data – information listed under the Vendor Index Module heading as listed in each Schedule A of the agreement between Moody’s/RiskFirst and MSCI that Moody’s/RiskFirst may distribute to customers, and only as index level value data

ICE

Certain indices and index data included in PFaroe are the property of ICE Data Indices, LLC (“ICE DATA”) and used under license. ICE DATA, ITS AFFILIATES AND THEIR RESPECTIVE THIRD PARTY SUPPLIERS DISCLAIM ANY AND ALL WARRANTIES AND REPRESENTATIONS, EXPRESS AND/OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, INCLUDING WITH REGARD TO THE INDICES, INDEX DATA AND ANY DATA INCLUDED IN, RELATED TO, OR DERIVED THEREFROM. NEITHER ICE DATA, NOR ITS AFFILIATES OR THEIR RESPECTIVE THIRD PARTY PROVIDERS SHALL BE SUBJECT TO ANY DAMAGES OR LIABILITY WITH RESPECT TO THE ADEQUACY, ACCURACY, TIMELINESS OR COMPLETENESS OF THE INDICES OR THE INDEX DATA OR ANY COMPONENT THEREOF. THE INDICES AND INDEX DATA AND ALL COMPONENTS THEREOF ARE PROVIDED ON AN “AS IS” BASIS AND YOUR USE IS AT YOUR OWN RISK. ICE DATA, ITS AFFILIATES AND THEIR RESPECTIVE THIRD PARTY SUPPLIERS DO NOT SPONSOR, ENDORSE, OR RECOMMEND MOODY’S ANALYTICS/RISKFIRST, OR ANY OF ITS PRODUCTS OR SERVICES.

Additional Indices - other indices that ICE Data may add from time to time, which Moody’s/RiskFirst have access to.

ICE Data - ICE Data Indices, LLC

ICE Data Marks - trademarks or service marks owned or licensed by ICE Data (including its affiliates)

Index Data – List of indices and content that Moody’s/RiskFirst have access to (listed in Exhibit F of the agreement with ICE)

Indices – collection of Index Families

Index Family - the Bond Index Family, the Convertible Index Family, the Equity Index Family, the Commodities Index Family and the Additional Indices are each individually referred to as an “Index Family”

HFR

The HFR Indices are being provided under license from Hedge Fund Research, Inc., www.hedgefundresearch.com

Bloomberg

Certain information available in PFaroe is licensed to Moody’s/RiskFirst by Bloomberg Finance LP (together with its affiliates, Bloomberg) under a third party client services agreement (Bloomberg Licence). Where Moody’s/RiskFirst distributes or otherwise makes available to Client certain information licensed from Bloomberg, Client (i) acknowledges that Bloomberg and its suppliers are third-party beneficiaries of the PFaroe Contract for

such purposes, (ii) Bloomberg shall have the same audit rights in relation to Client as it does in relation to Moody’s/RiskFirst under the Bloomberg Licence, (iii) Client shall fulfil the Customer Obligations (as defined in the Bloomberg Licence) and (iv) Bloomberg and its suppliers shall have no liability or responsibility to Client in relation to its receipt or use of Data, Resultant Data or Licensee Services (each as defined in the Bloomberg Licence). Further, where Moody’s/RiskFirst makes any BVAL Data (as defined in the Bloomberg Licence) available to a Client who is located in Australia, such Client must be a “wholesale client” within the meaning of sections 761G or 761GA or the Australian Corporations Act.

Bank of Canada

Certain content made available through the PFaroe product was sourced from the Bank of Canada website (www.bankofcanada.ca),  and such information is available on that website free of charge.

Disclaimers

General

The information on this website is provided for general reference purposes only.  While every effort is made to ensure that the site is up to date and accurate, the Bank of Canada accepts no responsibility or liability for the accuracy or completeness of the content or for any loss which may arise from reliance on information contained in this website.

You acknowledge that your use of the information and data, including rates and statistics, provided through this website is at your sole and own risk. Under no circumstances shall the Bank of Canada, its employees, directors, officers, agents, vendors or licensors involved in creating, producing or delivering this site or content found on this site be liable for any loss, injury, claim, liability or damage of any kind resulting in any way from: (a) any content or material downloaded from this website; (b) any links provided on this website; (c) any errors in, or omissions from, the data found on this website; (d) the unavailability or delay of any such data; or (e) your use of the data found on this website or any conclusions you draw from it, regardless of whether you received any assistance from the Bank of Canada or its employees with regard to such data. Under no circumstances is the Bank of Canada liable to you for any amount.

The Bank of Canada provides no warranty, express or implied, as to the accuracy, timeliness, completeness, merchantability, fitness for any particular purpose, title, quality or non-infringement of any service or information contained on the website in any form or manner whatsoever.

Links to other sites are provided for your convenience. The Bank of Canada accepts no responsibility or liability for the content of those sites or of any external site which links to this site.

Rates and Statistics

While statistical data on the Bank of Canada website is derived from sources that the Bank generally considers reliable, the Bank cannot guarantee the completeness or accuracy of such data.

Exchange Rates

All Bank of Canada exchange rates are indicative rates only, derived from averages of transaction prices and price quotes from financial institutions. As such, they are intended to be broadly indicative of market prices at the time of publication but do not necessarily reflect the rates at which actual market transactions have been or could be conducted. They may differ from the rates provided by financial institutions and other market sources. Bank of Canada exchange rates are released for statistical and analytical purposes only and are not intended to be used as the benchmark rate for executing foreign exchange trades. The Bank of Canada does not guarantee the accuracy or completeness of these exchange rates. The underlying data is sourced from Refinitiv (formerly Thomson Reuters).