ANY PERSON OR ENTITY ("User") ACCESSING THE CENTRALBANKS.COM WEB SITE (the "Site" or "Service") OR ANY OF THE INFORMATION CONTAINED HEREIN AGREES TO AND IS BOUND BY THE FOLLOWING TERMS AND CONDITIONS OF THIS CENTRALBANKS.COM WEB SITE TERMS OF USE ("Agreement"):
This Agreement is a legal agreement between the User and CentralBanks.com (Shagwong Point, Inc.) for the Centralbanks.com services you subscribe to. These services include the use of the CentralBanks.com site to communicate with other members and site users.

2. MEMBER ACCOUNT, PASSWORD AND SECURITY

You will receive a password and account designation upon completing the registration process. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under your password or account. You agree to (a) immediately notify Centralbanks.com of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. Centralbanks.com cannot and will not be liable for any loss or damage arising from your failure to comply with this section.

3. MEMBER CONDUCT

You understand that all information, data, text, software, music, sound, photographs, graphics, video, messages or other materials ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such Content originated. This means that you, and not Centralbanks.com, are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Service. Centralbanks.com does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content. Personal or private information that you provide or that is provided to you by a CentralBanks.com member(s) or by CentralBanks.com administration on the behalf of a member(s) will be secured in accordance with industry standards and technology. Since the internet is not a 100% secure environment, we cannot ensure or warrant the security of any information you transmit to CentralBanks.com or information transmitted from CentralBanks.com administration on behalf of another Centralbanks.com member. There is no guarantee that information may not be accessed, copied, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. You understand that by using the Service, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will Centralbanks.com be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Service. User agrees not to attempt to damage, deny service to, hack, crack, reverse-engineer, or otherwise interfere (collectively, "Interfere") with the Centralbanks.com's web site in any manner. If User in any way interferes with the Centralbanks.com's web site, User agrees to pay all damages incurred by Centralbanks.com, including any consequential damages, and agrees that the measure of hard to determine damages will be the highest estimate of damages as provided byCentralbanks.com. User's Interference with the Centralbanks.com's web site relieves Centralbanks.com of any of its contractual or other legal obligations to User, including the Centralbanks.com's obligations under its Privacy Policy. Centralbanks.com will cooperate with the authorities in prosecuting any User who Interferes with Centralbanks.com's web site, attempts to defraud Centralbanks.com, or attempts to defraud any other parties through User's use of Centralbanks.com's web site or services.

You agree to not use the Service to:

• Upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
• Harm minors in any way;
• Impersonate any person or entity, including, but not limited to, a Centralbanks.com official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity;
• Upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
• Upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights ("Rights") of any party;
• Upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
• Interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
• Intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law.
• Make any financial transactions or agree to make a financial transaction through the use of the centralbanks.com service.

Violation of any of the items in this Section relieves Centralbanks.com of any of its contractual or other legal obligations to User, including Centralbanks.com's obligations under its Privacy Policy. Centralbanks.com reserves the right to refuse any or all service to any User for any reason, at any time, at Centralbanks.com's sole discretion. User agrees that SurveyMonkey.com may block its IP address or addresses at any time, and at Centralbanks.com's sole discretion, thereby disallowing User's continued use of Centralbanks.com's web site.

4. COMPLIANCE WITH AGREEMENT AND LAWS

You shall use the site only in compliance with this Terms of Use, herein, the FTC's CAN-SPAM Law , and all other applicable U.S., state, local, and international laws (including, but not limited to, policies and laws related to spamming, copyright and trademark infringement, defamation, privacy, obscenity, and child protective email address registry laws).

You also agree not to intentionally or unintentionally violate any applicable local, state, national, or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange, or the NASDAQ, and any regulations having the force of law.

Although Centralbanks.com has no obligation to review the content provided by you or your use of the site, Centralbanks.com may do so and may block any email messages and or terminate any use that Centralbanks.com believes may be (or is alleged to be) in violation of the foregoing. You also agree not to upload survey links to message boards or newsgroups without express permission. CentralBanks.com will provide sponsoring financial institutions the ability to check employee accounts in accordance with FINRA and SEC compliance guidelines.

5. MODIFICATIONS TO SERVICE

Centralbanks.com reserves the right at any time and periodically, to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Centralbanks.com shall not be liable to you or to any third party for any modification, suspension or discontinuation of the Service. You agree that Centralbanks.com has no responsibility or liability for the deletion or failure to store any data or other Content maintained or transmitted by the Service. You acknowledge that Centralbanks.com reserves the right to delete accounts that are inactive for an extended period of time. You further acknowledge that Centralbanks.com reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.

6. COPYRIGHTS

All title and copyrights in and to the Software are owned by Centralbanks.com or its suppliers.

7. LINKS TO THIRD PARTIES

Centralbanks.com makes no claims or representations about any Web Site not under Centralbanks.com control that a User may access from Centralbanks.com's web site-- by link, frame, or any other means ("Linked Site"). Any link, frame, or any other means to access any Linked on Centralbanks.com's web site does not constitute the endorsement or recommendation by Centralbanks.com or acceptance of any responsibility for the content of that Linked Site or the operators of that Linked Site.

8. LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THECENTRALBANKS.COM SITES/SERVICES MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE CENTRALBANKS.COM SITES/SERVICES AND TO THE INFORMATION THEREIN. CENTRALBANKS.COM AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN CENTRALBANKS.COM SITES/SERVICES AT ANY TIME.

CENTRALBANKS.COM, A WHOLLY OWNED SUBSIDIARY OF SHAGWONG POINT CORPORATION AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, LACK OF VIRUSES OR OTHER HARMFUL COMPONENTS AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED WITHIN THE CENTRALBANKS.COM SITES/SERVICES FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. CENTRALBANKS.COM AND/OR ITS RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, TITLE AND NON-INFRINGEMENT. YOU SPECIFICALLY AGREE THAT CENTRALBANKS.COM SHALL NOT BE RESPONSIBLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, ANY MATERIAL OR DATA SENT OR RECEIVED OR NOT SENT OR RECEIVED, OR ANY TRANSACTIONS ENTERED INTO THROUGH A CENTRALBANKS.COM SITE/SERVICE. CENTRALBANKS.COM IS NOT RESPONSIBLE FOR A USER’S MISUSE OR MISAPPROPRIATION OF ANY CONTENT OR INFORMATION YOU POST OR SEND IN OR THROUGH ANY CENTRALBANKS COMMUNITY FORUMS OR INFORMATION SENT FROM A CENTRALBANKS.COM ADMINISTRATOR SHARED BY A RECIPIENT(S) TO ANY OTHER PARTY THAN THE INTENDED RECIPIENT(S). YOU SPECIFICALLY AGREE THAT CENTRALBANKS.COM IS NOT RESPONSIBLE OR LIABLE FOR ANY THREATENING, DEFAMATORY, OBSCENE, OFFENSIVE OR ILLEGAL CONTENT OR CONDUCT OF ANY OTHER PARTY OR ANY INFRINGEMENT OF ANOTHER'S RIGHTS, INCLUDING INTELLECTUAL PROPERTY RIGHTS. YOU SPECIFICALLY AGREE THAT CENTRALBANKS.COM IS NOT RESPONSIBLE FOR ANY CONTENT SENT USING AND/OR INCLUDED IN A CENTRALBANKS.COM SITE/SERVICE BY ANY THIRD PARTY.

IN NO EVENT SHALL CENTRALBANKS.COM AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE CENTRALBANKS.COM SITES/SERVICES, WITH THE DELAY OR INABILITY TO USE THE CENTRALBANKS.COM SITES/SERVICES OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE CENTRALBANKS.COM SITES/SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE CENTRABANKS.COM SITES/SERVICES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CENTRALBANKS.COM OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE CENTRALBANKS.COM SITES/SERVICES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE CENTRALBANKS.COM SITES/SERVICES.

If for any reason a court of competent jurisdiction finds any provision or portion of the Terms of Use to be unenforceable, the remainder of the Terms of Use will continue in full force and effect.
These Terms of Use constitute the entire agreement between the parties with respect to the subject matter hereof and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. Any waiver of any provision of the Terms of Use will be effective only if in writing and signed by Centralbanks.com.