Terms of Service

Effective Date: January 1, 2026

These Terms and Conditions ("Terms") govern your access to and use of the Keel Merchant Bank website, https://www.keelmb.com/ (the "Site"). By accessing or using the Site, you agree to be bound by these Terms.

You may use the Site for lawful purposes only. You may not use the Site:

• In any way that violates any applicable federal, state, local, or international law or regulation.

• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site, or which, as determined by us, may harm Keel or users of the Site or expose them to liability.

Nothing on the Site is an offer or solicitation to buy or sell any security or to provide any regulated service, and nothing on the Site constitutes investment, legal, tax, or accounting advice. Keel Merchant Bank is the holding company for its entities; each is a separate entity and services are provided by the respective entity under separate engagement.

The Site and its entire contents, features, and functionality (including all information, software, text, displays, images, and the design, selection, and arrangement thereof) are owned by Keel, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms permit you to use the Site for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site except as generally permitted by the Site's functionality.

The Site is provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. Neither Keel nor any person associated with Keel makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Site.

In no event will Keel, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Site, any websites linked to it, or any content on the Site or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.

All matters relating to the Site and these Terms, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of New York without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Site shall be instituted exclusively in the federal courts of the United States or the courts of the State of New York, in each case located in the City of New York.

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

If you have any questions about these Terms, please contact us:

Keel Merchant Bank, 106 W 56th St, 7th floor, New York, NY 10019, USA.