CTBC Bank values your trust and respects your expectation of privacy. As such, we are committed to maintaining the confidentiality of your personal financial information. Our Privacy Statement applies to consumers who obtain services from us (such as a deposit account, loan, or safe deposit box), primarily for personal, family or household purposes.

How Personal Information is Shared

Please see our Consumer Privacy Notice ("Notice") for details on how personal information may be shared.

California Consumer Privacy Act

For California residents, please see our Online Privacy Policy under the California Consumer Privacy Act for details on the Act which is effective 1/1/2020.

Notice at Collection

Visitors to our Web Site

Visitors to our web site remain anonymous, unless they register for a service or otherwise elect to disclose their identity to us. Although we do not collect personally identifying information about persons who simply visit our site, we do collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the Internet). We also may place “cookies” on a computer to track a visitor's use of our web site. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our site and make its navigation easier for you. We sometimes use cookies to help estimate the number of visitors to our site and to determine which areas are the most popular. Unless you register with us for a service (such as our Online Banking service), the cookie does not provide us with any personally identifying information about you, such as your name or address.

"Do Not Track" Signals

Currently we do not honor nor respond to a "do not track" signal or any other similar mechanism that may provide you the ability to exercise choice regarding the collection of personally identifiable information about your online activities over time and across third-party websites or online services.

State Rights

Depending on where you live, you may have additional privacy protections under some state laws. For example, certain state laws may restrict the types of information we may disclose about you, limit the parties with whom we may share such information, or require us to provide you with additional notices or opt-out rights. We will comply with applicable state laws before sharing non-public personal information about you. We may do this by sending a separate notice of those rights to you.

Maintaining Accurate Information

We have procedures that help us to maintain the accuracy of the personally identifiable information that we collect. If you believe that our information about you is incomplete, out-of-date, or incorrect, please:

If you are an Online Banking customer, you may review information about yourself by visiting our website. If you have a change in your address and/or telephone number you can make the change online under "Other Services" after you log into the Online Banking system. For a name change, social security number change, or change in a Passport, you have to contact the Branch where your account or loan is held.

To protect your privacy, please do not provide your account number or other sensitive personal information in an e-mail to us. E-mail is not secure.

Links to Other Web Sites

Our web site may feature links to third party web sites that offer goods, services or information. Some of these sites may appear as windows-within-windows at this site. When you click on one of these links, you will be leaving our site and will no longer be subject to this policy. We are not responsible for the information collection practices of the other web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

Services and Advertisements by Third Parties

Third parties may offer services from time to time at our web site. If you provide them with information, their use of that information will be subject to their privacy policy, if any, and will not be subject to this policy. If you accept third party goods or services advertised at our web site, the third party may be able to identify that you have a relationship with us (e.g., if the offer was only made through our site).

Children's Online Privacy

Our website is not directed to those who are under the age of 13, and we do not knowingly collect information from anyone under 13. For more information about the Children's Online Privacy Protection Act (COPPA), please visit the Federal trade Commission's website.

Changes to this Statement

We may add to, delete from, or otherwise change the terms of this statement or the Notice from time to time by posting a notice of the change (or an amended Notice) at this web site. If required by law, we will send you a notice of the change. Your continued use of our web site or any on-line service following notification will constitute your agreement to the revised Notice.

Questions. If you have any questions regarding this statement or the Notice, you can call us at (888) 889-8409 or write to us at CTBC Bank, Attn: Compliance Department, 801 S. Figueroa St., Ste 2300, Los Angeles, CA 90017

Protecting Your Privacy After Data Breaches

Recent events in the news have shown that organizations that you rely on for credit monitoring and other financial services can suffer major data breaches. Consequently, your private information can fall in the wrong hands and used in malicious ways.

If you believe your information was compromised, then here are 5 things to do to minimize the impact:

• First sign up for credit monitoring (there are many companies providing that service, choose one that you trust)
• Next freeze your credit files at the three major credit bureaus Equifax, Experian and TransUnion. Remember that generally it is not possible to sign up for credit monitoring services after a freeze is in place. Advice for how to file a freeze is available here on a state-by-state basis.
• Check your credit reports via the free annualcreditreport.com
• Check your bank and credit card statements for any unauthorized activity.
• If you believe you may have been the victim of identity theft, here is a site where you can learn more about how to protect yourself www.idtheftcenter.org. You can also call the center’s toll-free number (888-400-5530) for advice on how to resolve identify-theft issues. All of the center’s services are free.

Mobile Banking

THE TYPES OF INFORMATION CTBC BANK COLLECTS

CTBC Bank may collect personal information from you in the following ways:

(a) Personal Information You or Your Financial Institution Provide to us.

• CTBC Bank may collect personal information from you or your financial institution, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you open a new financial account or register for other financial services. Device images/videos may be accessed when you deposit a check or use a QR code to make peer to peer payments using Zelle or other payments functionality. Device contacts may be accessed when you make peer to peer payments using Zelle or other payments functionality. Device location may be accessed to detect and prevent card transaction fraud, deposit fraud and to provide branch and ATM locations.
• CTBC Bank may collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
• If you provide feedback or contact CTBC Bank via email, CTBC Bank will collect your name, email address and any other content included in your email messages to us in order to send you a reply.
• CTBC Bank also collects other types of personal information that you provide voluntarily, such as any information requested by CTBC Bank if you contact CTBC Bank via email regarding support for the Services.

(b) Personal Information Collected from Third Parties. CTBC Bank may collect certain information from identity verification services and              consumer reporting agencies, including credit bureaus, in order to provide some of our Services.

(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your                      computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as:

• Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.
• Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
• Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
• Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, CTBC Bank will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want CTBC Bank to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.