Privacy Policy

• At KURANDA we have a long tradition of integrity and service. These are a part of our Company's core values, and are reflected in the way we serve our customers each day.
• This privacy statement reflects the policy of all of the entities that make up the KURANDA family of companies in the United States, as listed below. It describes how "nonpublic personal information," which includes customer and financial information, may be collected and shared, as well as the steps we take to protect this information from unauthorized access.
• This policy applies both to current and former customers, and is designed to comply with the privacy provisions in Title V of the Gramm-Leach-Bliley Act, as well as applicable federal privacy regulations.

• We limit employee access to nonpublic personal information to those who need to see this information in order to serve customer relationships. Employees are educated about the importance of privacy in accordance with our Standards of Conduct Policy.
• We maintain physical, electronic and procedural safeguards that comply with all applicable regulatory standards to guard your nonpublic personal information.
• We strive to maintain complete, current and accurate information about you and your accounts. If you request a correction to our records, we will respond in a timely manner.

• Service your accounts and process your requests efficiently and accurately.
• Identify you and protect your accounts from unauthorized access or identity theft.
• Inform you of financial services and choices that can meet your needs now and in the future.

• Information we receive from you on applications or other loan or account forms, such as your name, address, and financial information.
• Information we receive through your transactions or experiences with affiliates within the Kuranda family of companies, such as your account balance and securities holdings.
• Information we receive from outside companies, such as a credit reporting agency or real estate appraiser.

• Service providers who provide support services to help us administer your financial relationship. They may include check printers, data processing companies, companies that prepare account statements, or companies that help us market our products to you. These companies are legally obligated to maintain the confidentiality of the information we provide to them, and are restricted from using this information for any reason beyond the performance of specified services on our behalf.
• Companies who work with us under joint marketing agreements to provide you with financial services that we do not offer ourselves but we believe may be of interest to you. In such cases, we may share information we collect, as described above, but only as necessary to offer these services to you. These companies are legally obligated to maintain the confidentiality of the information we provide to them, and are restricted from using this information for any reason other than what is specified in the agreement.
• Other parties as permitted or required by applicable law. These may include, for example, government agencies in response to subpoenas and other legal processes, consumer reporting agencies, or those with whom you have authorized us to share information.

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