Capital Security Bank - Personal Information

PERSONAL INFORMATION

WHAT DOES CAPITAL SECURITY BANK LIMITED DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. This notice is being provided to you in accordance with the Cook Islands Financial Transactions Reporting Act 2004 (FTRA) regarding the privacy of consumer financial information.

Cook Islands Law gives consumers the right to limit some but not all sharing. Cook Islands law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us.

This information can include: ––

Information we receive from you on applications or other forms

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Information about your transactions with us, our affiliates, or others

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When you are no longer our customer, we continue to share your information as described in this notice

How? All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons Capital Security Bank Limited chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Capital Security

Can you limit

Bank share?

this sharing?

Yes

No

For our marketing purposes to offer our products and services to you.

Yes

Yes

For joint marketing with other financial companies.

No

We don’t share

Yes

No

For our affiliates to market to you

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

For our everyday business purposes with nonaffiliates — such as to process your transactions, maintain your account(s), respond to Cook Islands court orders and legal investigations, FATCA/CRS reporting, any other requirement under Cook Islands law.

For our affiliates everyday business purposes information about your account, transactions and experiences.

To limit our sharing: Call +682 22505 or email us at info@capitalsecuritybank.com If you are a new customer, we can begin sharing your information from the date you receive the formal approval of your account application.

When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions? Call +682 22505 or go to info@capitalsecuritybank.com

CAPITAL SECURITY BANK LIMITED 1

WHO WE ARE Who is providing this notice? Capital Security Bank Limited

WHAT WE DO How does Capital Security Bank Limited protect my personal information? We maintain physical, electronic, and procedural safeguards that comply with International standards to guard your non-public personal information. We restrict access to non-public personal information about you to those employees who need to know that information in order to provide financial products or services to you.

How does Capital Security Bank Limited collect my personal information? We collect your personal information, for example, when you open an account or deposit money, pay your bills or apply for other products. We also collect your personal information for affiliates if required.

Why can’t I limit all sharing? The Cook Islands Financial Transactions Reporting act and The Cook Islands Income Tax (Automatic Exchange of Financial Account Information) Regulations 2016 requires Capital Security Bank Limited to disclose certain information in certain circumstances, Capital Security Bank Limited as per its terms and conditions is also required to share certain information with its service providers and other nonaffiliates to carry out its day to day operation.

The Cook Islands Financial Transactions Reporting Act can be located here.

Capital Security Banks Terms and Conditions can be viewed here refer to section 5 page 4.

DEFINITIONS Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial entities.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial entities (examples below): a. its service providers b. its accountants, professional advisors and auditors c. any applicable regulatory authority having jurisdiction over it d. anyone authorised by law or a Cook Islands court order e. Foreign Account Tax Compliance Act stakeholders Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

OTHER IMPORTANT INFORMATION From time to time, we may change the policies and procedures provided in this Privacy Notice, due to changes in the law, or changes in our operations, we will maintain our most recent copy of this document online available here.

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