At Horizon Trust Bank, we are dedicated to protecting your privacy and safeguarding the personal information you have entrusted to us.

We strive to earn the right to be our clients' first choice, and we hold ourselves to the highest standards to build trust. Our privacy management practices, including our Code of Conduct, are based on these values and comply with relevant laws and regulations.

Why We Use Your Information

We only use your personal information if we have a legal basis to do so. This includes sharing the information within and outside of our companies. We may use your personal information:

• with your consent;
• to fulfil a contract we have with you to provide services covered by your account agreement;
• to verify your identity and investigate your personal background, as permitted by law;
• for legitimate business purposes;
• for managing risks and operations;
• to comply with legal and regulatory obligations;
• for the purpose of preventing, detecting fraud and suppressing financial abuse;
• for client and employee safety, protection against theft and property damage;
• for the establishment, exercise or defence of legal claims or proceedings;

Sharing Your Information

Under certain circumstances, your personal information may be shared among our companies or other third parties. We may share your information with other companies in accordance with your choice, for the purpose of preventing or detecting fraud, for managing risks and operations, and to enable us to meet global regulatory, legal, financial or other reporting obligations.

Outside Service Suppliers

We may use service providers to perform specialized services on our behalf including data processing, research, marketing, statement printing or mail distribution. Our service providers are provided only the information necessary to perform the services and are required to protect the information in a manner that is consistent with our privacy policies and security practices.

Your Rights

You have the right to:

• Access any personal information we hold about you;
• Request correction of your personal data;
• Request restricted processing or removal of your personal data;
• Object to processing of your data at any time;
• Request your personal information in digital format;

What Information We Collect

Most of the information we collect is collected when you interact directly with us, for example when you:

• Apply for a product or service;
• Communicate and interact with us;
• Sign up for special offers, enter a contest or complete a survey;
• Make transactions with or through us;

Keeping Your Information Safe

Protecting your personal information is fundamental to the way we do business. We will do our utmost to ensure the information we have about you is accurate and complete and will keep your personal information for as long as required to comply with all business, legal and regulatory record keeping requirements.

Contact Us

If you have questions regarding privacy or wish to exercise your rights, please contact us:

Last updated: April 2026