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NEW ACCOUNT GUIDE Anonymous banking services since 2014 PrivatoBank.com Rev. Ju

NEW ACCOUNT GUIDE Anonymous banking services since 2014 PrivatoBank.com Rev. June 2019 How to Access Your Account To access your online account, navigate to PrivatoBank.com and click the “Log-In” button located here in the top right corner. Welcome to Privato Bank! Getting Started Add your account currencies Every Privato Bank account may include a master account & savings account in USD, GBP and EUR. To add your desired currency, click “Add Currency” here. About Your Online Account These are your account balances, by currency. These are your account currencies. This is your account transaction ledger. This is the log-out button. This is your account number This is how to contact the AI-powered bank teller. Use this for: (1) deposits (2) transfers (3) withdrawals (4) debit card orders (5) to ask a question Meet Our A.I. Privato Bank employs a highly-sophisticated artiﬁcially intelligent bank teller system to collect your transaction orders. Every transaction should be initiated from here. This includes: deposits, transfers (including to debit cards), withdrawals, debit card orders and customer support questions. To complete a transaction, simply follow the prompts and reply only with the information asked by the A.I. teller. If you wish to restart your conversation, type “start over”. Your anonymous Visa debit card is actually a pre-paid corporate expense card issued on behalf of Privato Bank by our partner (a licensed USA ﬁnancial service company called “Rosslyn Technology LLC”). This makes it possible for your card to be 100% anonymous. Only your account number will be printed on your card and it will be functional anywhere that accepts Visa. Your debit card will arrive by mail. When you receive it, follow the activation instructions contained in the welcome letter. To add funds to a debit card, use the AI-powered bank teller to order a transfer. Please note that due to international currency markets being closed, debit card transfers ordered during a weekend post on Monday morning. All debit cards have their own online management panel, which is provided by Visa. When you order your card, we will send you access instructions to this panel by e-mail. Your debit card is fully functional using PIN purchases, contactless payments and all online transactions. You are not required to provide KYC (personal ID) documents to receive and use your debit card. Understanding Your Debit Card Monthly Account Maintenance Fee: $10.00 USD per month Signature Point of Sale Transactions: Free PIN-Based Point of Sale Transactions: Free Cash Back at Participating Merchants: Free Withdrawals & Balance Inquiries (US Bank ATMs) Free Withdrawals & Balance Inquiries (Non US Bank) $2.50 Withdrawals at any ATM outside of USA $3.00 Teller Based Cash Advances $5.00 Online Banking Free Telephone Banking Free Text Message Alerts Free Currency Exchange Conversion Fee 3.000% Debit Card Fees What is anonymous banking? Anonymous banking is the ability to deposit, withdraw, transfer and save money without providing Privato Bank any personal identiﬁcation information. How is anonymous banking different from ‘normal banking’? Anonymous banking is not banking in a traditional sense. Instead of becoming a customer of a retail bank, Privato Bank account holders become shareholders of our private interest foundation. Why is our system designed this way? For two important reasons: (1) it allows you to be identiﬁed to us only as an account number. This means we do not need your name, address or any other traditional KYC personal data; and (2) it allows us to provide deposit, withdrawal, transfer and savings services, just like a retail bank, but without being required to reveal our account holders' identities. How is this possible? The system is simple: when you open an account, behind the scenes the transaction is recorded as a bearer share purchase. When you make a deposit, we adjust the value of your ownership stake on paper. Your cash remains liquid to you, as it is now represented by bearer shares. Similarly, when you withdraw funds, behind the scenes the transaction is recorded as a bearer share sale. When you transfer funds between Privato Bank accounts, it simply is a bearer share transfer. The only other major difference between Privato Bank and a 'normal bank' is that we do not operate any branches or physical offices. Is anonymous banking legal? Yes. The Privato Bank system operates on the bearer shares model, which is internationally recognized and legal. Individual account holders are subject to the laws of their home jurisdiction, which is your own responsibility. Because you are anonymous to us, we do not provide any information to any authority, agency or government on earth for any reason. Will I get into trouble using Privato Bank? Becoming a shareholder in an investment company as a result of making an investment (known as a deposit) is a perfectly legal transaction. You are responsible for how you manage and utilize your funds. How do you stop bad people from using Privato Bank? We believe that banks are not effective or reliable policing agencies. There are more than 30,000 law enforcement agencies around the world. Banks, their shareholders and their Boards of Directors are not trained as, nor do they accept the responsibility of being a law enforcement officer. We cannot accurately, effectively or morally identify who is "good" and who is "bad." Instead, we leave it up to local law enforcement. Just as a petroleum station attendant isn't responsible for your actions behind the wheel, we, as your ﬁnancial services provider, are not responsible for how you earn or spend. Frequently Asked Questions How can you guarantee complete anonymity? We never collect any personal information about you. We simply do not know who you are, making it impossible to violate your anonymity. You don't have to take our word for it. Why don’t you have any usual banking privacy notices? Because you are anonymous to us, you have total privacy. Banking privacy policies are a bank's promise to its customers that it won't act irresponsibly with your personal data. (how's that working out for you?) You don't have to trust us, as we do not even have the data in the ﬁrst place. Where is Privato Bank located? Privato Bank is incorporated in Panama and is protected under the highly secure Panama Private Interest Foundation regulations. Who owns Privato Bank? Because we are not required to do so, we do not publicly disclose the ownership of Privato Bank. This information is known to the Panamanian regulators, but is not a matter of public record. Our functions are compartmentalized to protect our institutional security. We have private offices to service customer support, new client on-boarding, savings products, debit card printing and marketing. Is Privato Bank a FATCA or OECD bank? Privato Bank is not a retail bank and is not subject to FATCA or OECD reporting requirements, nor is restrained by regional requirements. Who will be my main contact at Privato Bank? Our customer support team functions as a single unit. When you contact our team, you will receive a response that is consistent in quality and content, no matter the agent who replies. Each of your contact records are visible to our support team, meaning that dozens of agents can provide you support at any time. The advantage to you is that you can receive individualized support any day of the year without waiting on a speciﬁc contact to be present in the office. What will Privato Bank know about me? For each account Privato Bank keeps only three ID records: (1) your e-mail address, (2) your online banking username and (3) your online banking password. We do not require or request any personal ID information. Does Privato Bank work with any governments? We do not, under any circumstances. Does Privato Bank have to turn anything over to governments? Privato Bank submits an annual audit report to the government of Panama one time per year. This report includes our share registrar which only identiﬁes you as your account number. We do not make any other report or share information with any other government, as this information simply doesn't exist in our records. Is the website safe? Yes. Our website is protected by SSL encryption and is tested by our in-house IT team on a daily basis. Does Privato Bank really not know my identity? Yes, we really do not know, nor do we want to. Are my deposits safe? Your money is fully insured and registered with a licensed investment service company. We could not stay in business and maintain our license if we misused client funds. For this reason, you are protected. Furthermore, Privato Bank does not make loans or conduct fractional reserve banking. Your funds never are put at risk and never leave our custody. Can Privato Bank be shut down or seized? A PPIF can only be shut down or seized if its direct business activities involve the engagement of crime or terrorism. Our only business activity is to provide ﬁnancial services to our clients. Each client assumes his or her own risk for their conduct & activities, uploads/Finance/ guide - 2023-05-29T183231.610.pdf