What This Policy Covers

Our concern for safekeeping your company information goes far beyond this document. It applies to all company information that is obtained by Republic Bank Limited (RBL). At any time you decide to close your account or become an inactive ACH Originator, we will continue to adhere to the procedures described in this notice and any proper opt-out requests you make. This Privacy Policy also serves as our Privacy notice. This Privacy Policy contains important information about your choices in relation to certain information sharing and marketing offers within RBL.

Recognition of a Customer's Expectation of Privacy

You regard your company information as yours, and so do we. Because we do not sell or share your information with third parties not associated with services or activities of RBL (except as allowed by law), there is no need for you to tell us not to share your company information with non-affiliated third parties.

Collection, Retention, and Use of Customer Information

We collect and use various types of information to service your accounts, save you time and money and better understand your needs. We collect personal information about you from the following sources:-

• Information we receive from you on applications or other forms.
• Information about your transactions with us, our affiliates or others and
• Information we receive from a consumer reporting agency;

Security Standards

We maintain physical, electronic, and procedural safeguards to protect the integrity and confidentiality of your information. RBL also limits access to your nonpublic company information to those employees who need to know that information in order to provide products and services to you. All our employees are trained to understand and comply with these information principles.

Maintenance of Accurate Information

RBL has implemented internal controls and procedures designed to maintain accurate records concerning your personal information. Should you ever believe that our records contain inaccurate, incomplete, or non-current information about you, please notify us. We will respond to requests to correct the information in a timely manner.

Disclosure of Information to Nonaffiliated Third Parties

We do not disclose any nonpublic personal information about our customers or former customers to non-affiliated third parties, except as permitted by law as described below.

Service Providers and Joint Marketing Agreements

We may disclose all of the information we collect, as described under the heading "Collection, Retention, and Use of Customer Information", to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements with reciprocal confidentiality obligations.

Sharing as Required by Law

We may disclose information to nonaffiliated third parties as allowed by law. For example, this may include a disclosure in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds or trust and mortgages in public records, an audit or examination, or the sale of your account to another financial institution. We may also share information:-

• If you initiate a request for us to share information with an outside party or
• If the information is provided by you to help complete a customer initiated transaction