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Privacy Policy

The directors, management, and staff of CTBC Bank are concerned about and respect the privacy of our customers’ personal financial information. We understand that our customers furnish sensitive information to the Bank in the course of daily business, and the CTBC Bank is committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs. The CTBC Bank will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers.

PRIVACY STATEMENT

At CTBC Bank we collect nonpublic personal information from many sources. CTBC Bank collects nonpublic personal information directly from consumers on various applications and forms, for example, loan applications, deposit account applications, and requests for information about accounts or products and services.

CTBC Bank also collects information as a result of transactions between the Bank and our customers and as a result of providing a product or service to our customers. This includes transaction information from checks, debit cards, credit cards, automated teller machine (ATM) cards, wire transfers, and electronic transfers (e.g., automated clearinghouse (ACH) transactions).

Nonpublic personal information does not include that which the Bank obtains from government records, widely distributed media, or government-mandated disclosures.

TYPES OF INFORMATION THE BANK DISCLOSES

The CTBC Bank does not now disclose any personal financial information to any nonaffiliated or affiliated third party. By law the CTBC Bank may disclose certain personally identifiable information without allowing consumers the right to opt out of the Chinatrust Commercial Bank’s sharing agreements in the following circumstances:

To companies who perform transaction processing for the CTBC Bank in the following circumstances:

A transaction, service, or product that is requested or authorized by the consumer.

To maintain or service a consumer’s account as part of a private label credit card or other loan extension program.

In connection with a securitization, secondary market sale (including servicing rights), or similar transaction related to a consumer

·      To disclose information necessary to enforce the Chinatrust Commercial Bank’s legal or contractual rights or the rights of any other person who is engaged in the financial transaction.

·      To disclose information required in the ordinary course of banking business, such as in the settlement of claims or benefits, the confirmation of information to the consumer or the consumer’s agent, and the billing, processing, or clearing of items in the normal course of business.

·      To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating the Bank, persons that are assessing the Chinatrust Commercial Bank’s compliance with industry standards, and the Bank’s attorneys, accountants, and auditors.

·      To the extent permissible under the Right to Financial Privacy Act.

·      To a consumer reporting agency under the Fair Credit Reporting Act.

·      To comply with the country, state, or local laws, rules, and other applicable legal requirements.

SAFEGUARDING CUSTOMER INFORMATION

At CTBC Bank we protect consumer privacy by ensuring that only employees who have a business reason for knowing information have access to it. The Chinatrust Commercial Bank’s Compliance Officer is responsible for maintaining internal procedures to ensure that our customers’ information is protected. For example, only employees who work in the loan area can access information in loan files.

All employees are familiar with this policy and are formally trained regarding the importance of safeguarding customer information.

If we change our policy or practice by, for example, adding a category of information that will be disclosed to a third party, the CTBC Bank will notify existing customers and request their acceptance.

WEB SITE PRIVACY & DISCLOSURE STATEMENT

CTBC Bank, India website privacy policy is to respect and protect the privacy of our web site users, consistent with the applicable laws of the India. We do not collect, use or disclose any information about our users without their knowledge and approval. We do not share user information with third parties except under specific arrangements and when covered under strict confidentiality agreements.

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