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Skystone Capital respects your financial privacy and complies with laws and regulations designed to secure your privacy. Your relationship with us is important, and we want you to understand our policies and practices about handling information.Our goal is to serve you as conveniently and effectively as possible, and to make sure you feel confident that the information about your banking relationship with us is treated with the utmost privacy. We will keep confidential any non- public personal information we collect about you. We will not disclose your non- public personal information with any non- affiliated third party except as permitted by law. Please read the following carefully regarding your personal data and how we will treat it. By downloading the App, you confirm that you have read, understood and accept the terms of this policy. You also consent to the collection, use, storage, processing and disclosure of your personal information.

Categories of information we collect from you

We collect non- public personal information about you from the following sources: • Information we receive from you on applications or other forms, such as your name, address, assets, and income. • Information about your transaction with us, our affiliates, or others, such as your account balances, payment history, parties to transactions, and credit card usage. • Information we receive from other sources (Third Party Information) consumer reporting agency, such as your credit

Categories of information we disclose

Skystone Capital works with a variety of third parties to bring you financial services. We disclose information about you as necessary to fulfil these third-party service agreements. For example, we may disclose information about you to third parties that assist us in servicing or maintaining your loan or deposit account, or other businessrelationship, such as printing checks or billing you for loan payments. We may also disclose information about you to other third parties such as credit bureaus. We may disclose all the information we collect, as described above, to third parties that perform marketing services on our behalf or to other financial institutions, such as insurance providers, with whom we have joint marketing agreements to make a variety of financial services available to you. These third parties must agree to strict confidentiality provisions to assure the protection of you r information. Because we already limit the sharing of your non-public personal information as outlined above, no action is necessary on your part to limit such sharing.

Tracking and Cookies

We may use mobile tracking technologies and/or website cookies to distinguish you from other users of the App or service sites. This helps us to provide you with a good experience when you use the App or browse any of the service sites.

Confidentiality and security

We restrict access to non-public personal information about you to our employees and agents on a “need to know” basis so they can do their jobs in providing products or services to you. We prohibit our employees and agents from giving information about you toanyone in a manner that would violate any applicable law or privacy policy. We do not provide information about you to anyone without first verifying who they are and whether they may have legal access to the information. We train our employees to protect information about you.

Changes to Privacy Policy

We may update our privacy policy from time to time. Thus, we advise you to review this you page periodically for any changes. We will notify you of any changes by posting the new privacy policy on this page. In any event, by continuing to use the app or any services after the posting of any changes, you confirm your continuing acceptance of this policy together with such changes, and your consent to the terms set out therein.

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