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Important Information
Please read the following carefully as it contains the conditions governing any electronic communications between you and Fieldpoint Private Bank & Trust and all Fieldpoint Private Bank & Trust affiliates (firm and its affiliates). By messaging with the firm and its affiliates, you agree to these terms and conditions of use. The firm and its affiliates may amend these terms and conditions without notice. You should check this webpage from time to time to review the current terms and conditions because they are binding on you and if applicable, your organization.

Unless otherwise specifically indicated the contents of any electronic communication (including e-mail, instant messaging, text messaging etc.) and its attachments are for informational purposes only and should not be regarded as an offer to buy or sell securities, futures, options, investment products or other financial products or services; as an official confirmation of any transaction, an official valuation or an official statement of the firm and its affiliates. Attachments that are part of an electronic communication may have additional important disclosures and disclaimers, which you should read.

• Electronic Communications & Privileged Information
• Do Not Send Sensitive Information Electronically
• Information Subject to Change
• Archiving & Monitoring Electronic Communications
• Electronic Communications Does Not Take the Place of Financial Advice
• Local and State Taxation and IRS Circular230 Disclosure
• Conflict of Interest Disclosure
• Bank Disclosures

Electronic Communications & Privileged Information
Electronic communications may contain privileged or confidential information, or may be otherwise protected by work product immunity or other legal rules. No confidentiality or privilege is waived or lost by any erroneously transmitted communication. Access, copying or re-use of information by non-intended or non-authorized recipients is prohibited. If you are not an intended recipient of an electronic communication, please notify the sender, delete it and don’t read, act upon, print, disclose, copy, retain or redistribute any portion of such electronic communication any portion of such electronic communication. Electronic communications are not intended for distribution to, or use by, any person or entity in any location where such distribution or use would be contrary to law or regulation or would submit any firm affiliate to any registration requirement within such location. The firm and its affiliates do not waive any intellectual property rights in any electronic communication. 

Do Not Send Sensitive Information Electronically
The firm and its affiliates cannot provide absolute assurances that all electronic transmissions (sent or received) are secure, error free, not corrupted, incomplete or virus free and/or they won’t be lost, mis-delivered, destroyed, delayed, or intercepted /decrypted by others. Therefore, the firm and its affiliates advise against sending sensitive or personally identifiable information via electronic communications and disclaims all liability with regard to electronic communications (and the contents therein) if they are corrupted, lost, destroyed, delayed, incomplete, mis-delivered, intercepted, decrypted or otherwise misappropriated by others.

Information Subject to Change
Information in an electronic communication is subject to change without notice and unless otherwise indicated the views expressed are the author’s and may differ from others within the firm and its affiliates. The information represents a view as of the date of the electronic communication and is subject to change and/ or withdrawal at any time without notice. 

Archiving & Monitoring Electronic Communications
Any electronic communication that is conducted within or through the firm and its affiliate’s systems will be subject to being archived, monitored and produced to regulators and in litigation in accordance with the firm and its affiliate’s policies and local laws, rules, and regulations. Electronic communications may be archived in countries other than the country in which you are located, and may be treated in accordance with the laws and regulations of the country of each individual included in the entire message chain. 

Local and State Taxation and IRS Circular230 Disclosure:
Please be advised that any discussion of U.S. tax matters contained within this communication (including any attachments) is not intended or written to be used and cannot be used for the purpose of avoiding U.S. tax-related penalties or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein. Please consult your advisor as to any tax, accounting or legal statements made herein. 

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