Terms of Use

The following terms and conditions, as amended from time to time, constitute the terms governing the use of the Banco Del Atlantico website and the services, information and digital facilities made available through it. By accessing or using this website, you acknowledge that you have read, understood and agreed to comply with these Terms & Conditions. These Terms & Conditions apply to visitors, prospective clients, applicants, authorised representatives and other users of the website, as applicable. Additional terms may apply to specific services, applications, agreements or business relationships entered into separately with Banco Del Atlantico. Where specific written terms apply to a particular service or relationship, those terms shall govern to the extent of any inconsistency.

For purposes of these Terms & Conditions: "Banco Del Atlantico", "Banco", "we", "us" or "our" means Banco Del Atlantico. "Website" means the Banco Del Atlantico website and any related digital pages, resources, forms, content or functionality made available through the website. "User", "you" or "your" means any individual, company, organisation or other person accessing or using the Website. "Authorised User" means a person authorised by a corporate applicant, client or organisation to communicate with or submit information to Banco Del Atlantico, where applicable. "Services" means the information, enquiry, onboarding, advisory, financial, corporate, trade-related or other services that Banco Del Atlantico may make available, subject to applicable agreements, eligibility requirements and applicable law. "Application" means an enquiry, client application, agent application, onboarding request or other submission made through the Website. "Information" means information, documents, materials, data, content or communications submitted to or obtained from the Website.

1. Website Use The Website is provided for general information and for facilitating communication and business enquiries with Banco Del Atlantico. You agree to use the Website only for lawful purposes and in accordance with these Terms & Conditions. You must not use the Website for any fraudulent, unlawful, abusive or unauthorised purpose. 2. Accuracy of Information You are responsible for ensuring that information submitted to Banco Del Atlantico is accurate, complete and current to the best of your knowledge. Where information changes after submission, you should notify Banco Del Atlantico where such information is relevant to an ongoing application or business relationship. 3. Applications and Enquiries Submission of an enquiry, application or document through the Website does not automatically constitute acceptance by Banco Del Atlantico. Banco Del Atlantico may review, request additional information, approve, decline or discontinue an enquiry or application subject to its applicable policies, procedures and legal requirements. 4. No Automatic Client Relationship Accessing the Website or submitting information through the Website does not by itself create a banking, contractual, advisory, fiduciary or other client relationship between you and Banco Del Atlantico. A formal relationship may only arise where expressly established through appropriate documentation or agreement. 5. Compliance Requirements Banco Del Atlantico may request additional information or documentation as part of onboarding, due diligence, KYC, AML, sanctions screening, risk assessment or other compliance procedures where applicable. Failure to provide requested information may result in an application, enquiry or proposed transaction being delayed, declined or discontinued. 6. Right to Decline Banco Del Atlantico reserves the right, subject to applicable law, to decline an application, enquiry, proposed engagement or service request.

7. User Security Responsibilities Users are responsible for taking reasonable precautions when accessing the Website. You should: Keep login credentials confidential where applicable; Avoid sharing passwords or authentication information; Use appropriate security measures on devices used to access the Website; Keep operating systems and security software reasonably up to date; Avoid opening suspicious links or attachments; Exercise caution when responding to communications claiming to originate from Banco Del Atlantico; Immediately notify Banco Del Atlantico if you believe your information has been compromised. 8. Banco Del Atlantico Communications Banco Del Atlantico will not ordinarily request that users disclose passwords, authentication credentials or other sensitive security information through unsolicited communications. Users should exercise caution when receiving unexpected requests for confidential information. 9. Unauthorised Access If you become aware of suspected unauthorised access, misuse of your information, fraudulent activity or suspicious communication involving Banco Del Atlantico, you should notify the appropriate Banco Del Atlantico contact as soon as reasonably possible. 10. Website Security Banco Del Atlantico takes reasonable measures to maintain the security and availability of its Website. However, no website, electronic communication system or method of transmission can be guaranteed to be completely secure or uninterrupted. 11. Limitation of Liability To the maximum extent permitted by applicable law, Banco Del Atlantico shall not be responsible for losses arising from circumstances outside its reasonable control, including interruptions to communications networks, internet services, technical failures, cyber incidents, natural events, or other events beyond its reasonable control. Nothing in these Terms & Conditions excludes or limits liability that cannot lawfully be excluded or limited.

12. Availability Banco Del Atlantico may modify, suspend, restrict or discontinue any part of the Website or its functionality from time to time. The availability of particular services, information or functionality may vary. 13. Website Content Information published on the Website is provided for general informational purposes. Website content may be updated, amended or removed without prior notice where appropriate. 14. No Unauthorised Use You must not: Attempt to gain unauthorised access to the Website; Introduce malicious software; Interfere with Website functionality; Attempt to access another user's information; Scrape or systematically copy content without permission; Use the Website to distribute fraudulent or unlawful material; Circumvent security measures. 15. Jurisdictional Restrictions The Website and its information may not be intended or available for use in every jurisdiction. Users are responsible for determining whether accessing or using the Website or requesting particular services is permitted under the laws applicable to them.

16. Information Submitted by Users Users are responsible for the accuracy and completeness of information and documents submitted through the Website. Banco Del Atlantico may rely on information submitted by an authorised representative where appropriate. 17. Instructions Where Banco Del Atlantico accepts instructions through approved communication channels, it may rely on instructions that appear to have been provided by an appropriately authorised person, subject to applicable verification procedures. Specific services may be subject to separate contractual terms. 18. Changes or Cancellation Requests to amend or cancel an instruction may be accepted only where the relevant process permits such amendment or cancellation and where processing has not already commenced. 19. Review and Verification Banco Del Atlantico may request additional information or verification before proceeding with an instruction, application or proposed transaction. 20. Compliance Restrictions Banco Del Atlantico may delay, restrict or decline an instruction, application or transaction where necessary for legal, regulatory, compliance, sanctions, risk-management, security or other legitimate reasons.

21. Information Provided by Banco Del Atlantico Banco Del Atlantico seeks to maintain accurate and current information on its Website. However, information may become outdated or may contain inadvertent errors. Users should obtain appropriate confirmation before relying on information where a decision or transaction depends upon its accuracy. 22. No Guarantee of Completeness Website content should not be considered a complete representation of all products, services, terms, conditions or requirements applicable to Banco Del Atlantico. 23. Changes to Information Banco Del Atlantico may modify Website content, service descriptions, policies or other information at any time.

24. General Information Information provided through the Website is intended for general informational purposes unless expressly stated otherwise. Nothing on the Website should automatically be interpreted as a binding offer, commitment, recommendation or guarantee. 25. Regulatory Status Banco Del Atlantico's regulatory status, permissions and ability to provide particular financial services depend on its actual legal structure, applicable jurisdiction and relevant authorisations. Nothing in these Terms & Conditions should be interpreted as representing that Banco Del Atlantico holds a regulatory licence or authorisation that it does not actually hold. 26. Professional Advice Users should obtain independent legal, tax, accounting, financial or other professional advice where appropriate before making decisions based on information contained on the Website.

27. Ownership Unless otherwise stated, the content of the Website, including text, graphics, logos, design elements, photographs, documents and other materials, is owned by or licensed to Banco Del Atlantico. 28. Permitted Use You may view and use Website content for legitimate personal or business purposes connected with evaluating or communicating with Banco Del Atlantico. You must not reproduce, distribute, modify, republish or commercially exploit Website content without appropriate permission. 29. Trademarks Banco Del Atlantico's name, branding, logos and associated marks may not be used without prior written permission where such permission is required.

30. External Websites The Website may contain links to third-party websites or resources. These websites are independently operated and may have their own terms, privacy policies and security practices. Banco Del Atlantico is not responsible for the content, availability, security or privacy practices of third-party websites. Users access third-party websites at their own discretion and risk.

31. Information Submitted Through the Website Users may voluntarily submit confidential business, transaction or corporate information through the Website. Such information will be handled in accordance with applicable policies and the Banco Del Atlantico Privacy Policy. Submission of information through a public website should not be treated as establishing a legally binding confidentiality obligation unless expressly agreed otherwise.

32. Electronic Communications By submitting an enquiry or application, you acknowledge that Banco Del Atlantico may communicate with you using the contact details provided. Communications may include: Enquiry responses; Application-related communications; Requests for additional documentation; Compliance-related communications; Administrative communications; Service-related information. 33. Recorded Communications Where legally permitted and appropriate, communications with Banco Del Atlantico may be recorded or retained for operational, security, compliance, quality-control or record-keeping purposes.

34. Suspension Banco Del Atlantico may suspend or restrict access to the Website or particular functionality where reasonably necessary for security, maintenance, legal, compliance or operational reasons. 35. Termination Banco Del Atlantico may discontinue particular Website services or functionality at any time, subject to applicable legal obligations. 36. Continuing Obligations Termination or discontinuation of Website access does not affect rights or obligations that have already accrued or that are intended to survive termination, including applicable confidentiality, intellectual-property, liability and dispute provisions.

37. Applicable Law These Terms & Conditions shall be governed by the laws applicable to Banco Del Atlantico and the relevant services, subject to confirmation by the organisation's legal counsel. [GOVERNING LAW AND JURISDICTION TO BE CONFIRMED] 38. Severability If any provision of these Terms & Conditions is found to be invalid, unlawful or unenforceable, the remaining provisions shall continue to the extent permitted by applicable law. 39. Amendments Banco Del Atlantico may update these Terms & Conditions from time to time. The latest version will be published on the Website and will identify the applicable effective date.

If you have questions regarding these Terms & Conditions, Website use, applications or other matters relating to Banco Del Atlantico, please contact us using the official contact information published on the Website. Banco Del Atlantico Location: New York, NY, USA SWIFT / BIC: ATCOUS31XXX Website: Banco Del Atlantico