Rev. 06/2017

       WHAT DOES ALLIANCE CAPITAL INTERNATIONAL BANK (ACIB)

FACTS DO WITH YOUR PERSONAL INFORMATION?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: ■ Social Security number and Credit information ■ Payment history and Wire transfer instructions ■ Employment information and Transaction or loss history
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Alliance Capital International Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does ACIB share?	Can you limit this sharing?
For our everyday business purposes- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes- to offer our products and services to you	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes information about your transactions and experiences	Yes
For our affiliates' everyday business purposes information about your creditworthiness	No
For nonaffiliates to market to you	No

To limit our sharing

■ Call 787 626-0156 -our menu will prompt you through your choice(s) or ■ Visit us online: alliancecapitalbank.com Please note: If you are a new customer, we can begin sharing your information NA days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call 787 626-0156 or go to customer@alliancecapitalbank.com

Who we are
Who is providing this notice?	Alliance Capital International Bank

What we do
How does protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does collect my personal information?	We collect your personal information, for example, when you ■ Apply for a loan or give us your contact information ■ Show your driver's license or provide employment information ■ Provide your mortgage information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only ■ sharing for affiliates' everyday business purposes-information about your creditworthiness ■ affiliates from using your information to market to you ■ sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. •
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. ■ AGIB does not share with nonaffiliates so they can market you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ■ AGIB doesn't jointly market.
Other Important Information