Your access to and use of asianbank.us is voluntary and is done entirely at your own risk. By accessing and using the asianbank.us and its sub-sites you accept, without limitation, to the following terms and conditions.

Gathering Information via the Web

Information regarding Asian Bank & Capital Trust Website users is collected when the user voluntarily supplies this information when submitting forms on this Website. Additional visitor information is collected when users access the site and browse to different pages, files and forms within our Website.

Information gathered through forms available on this Website differs depending on the application or purpose of the form. Whenever you submit personal information for a specific purpose, your information will be used for that purpose only. Basic user information that may be requested includes:

• E-mail address for an e-news subscription
• Name, e-mail address, and other relevant contact information to fulfill your request for more information about our products or company or to register for an event
• Bank numbers and other relevant customer information to provide you with access to restricted areas on our Website

User information is also captured when visitors access pages, files and forms on the site. This data is accessed and analyzed to measure usage and identify trends. The data is also considered part of our continuous effort to improve usability and to develop strategies and campaigns fulfilling our clients’ needs.

Information Sharing

In order to effectively respond to requests made through this Web site, asianbank.us may need to share information you voluntarily provided with others within members of our organization. However, the information you provide will never be shared, sold or distributed to any third parties – unless it’s necessary to respond your requests. Additionally, it will only be accessible by Asian Bank & Capital Trust personnel and contractors who are properly trained and supervised and have a business need for such information.

Our Use of Cookies

When you visit pages on our Website, our Web servers automatically recognize your browser’s domain name and IP address but do not recognize or retrieve any information related to your identity. We collect this information in order to gather together information regarding the pages visitors’ access. This information is collected solely for statistical purposes and to determine visitors’ access to restricted areas on our site. It is not used to identify individuals, nor is it shared with third parties.

Our Web servers use “cookies” to collect this information. The term “cookie” refers to files that are transferred from a Website to your computer’s hard drive. The use of cookies can improve the level of service for visitors to our site. For example, if you voluntarily supply contact information via a Web form or registration form, a cookie can be stored on your computer, which in this case, enables you to skip the registration process on subsequent visits.

A cookie does not retrieve data from your hard drive, carry computer viruses, or capture your e-mail address. The information collected in these cookies contains no information that you have not otherwise provided. Most browsers will allow you to disable cookies or will warn you before accepting a cookie. If you decide not to accept cookies, you may not be able to successfully navigate through some areas of our Website.

Links to Other Websites

Asian Bank & Capital Trust may provide links to other Websites. However, we are not responsible for the content or privacy policies of those sites. Asian Bank & Capital Trust provides access to these sites for your convenience only, and accessing such sites is done at your sole risk.

No Legal Advice, Opinions, or Services Provided

THE INFORMATION, MATERIALS AND CONTENT ON THIS WEBSITE ARE PROVIDED SOLELY FOR GENERAL INFORMATION AND DO NOT CONSTITUTE LEGAL ADVICE. As legal advice must be tailored to the specific circumstances of each case, and laws are constantly changing, nothing provided herein should be used as a substitute for the advice of competent counsel. Information, materials, and content are generally designed to be of general applicability. Particular state laws, regulations, and special contractual provisions can impact rights, responsibilities and legal obligations. Only a competent attorney or other professional looking at all the pertinent facts and circumstances of a particular situation can provide specific and definitive guidance.

Intellectual Property

The material, information, and content on this Website are copyrighted property of Asian Bank & Capital Trust and may not be copied, distributed, republished, uploaded, posted, or transmitted without express written consent.

The materials displayed on this Website, including but not limited to all text, audio, video, images, photographs, illustrations, artwork, animation files and other graphics, and names, logos, trademarks and service marks, are property of Asian Bank & Capital Trust or affiliated companies or its licensors and are protected by copyright, trademark and other intellectual property laws. This site may be displayed, downloaded and/or printed solely for your personal, non-commercial home use, provided that you do not delete or modify any copyright, trademark or other proprietary notices.

Disclaimer of Warranties and Liabilities

Asian Bank & Capital Trust makes no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information, materials, or content provided on this Website. ALL INFORMATION, MATERIALS, AND CONTENT ARE PROVIDED “AS IS” AND WITHOUT ANY REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON- INFRINGEMENT. ASIAN BANK & CAPITAL TRUST MAKES NO WARRANTY OR REPRESENTATION REGARDING THE ACCESSIBILITY OF THIS WEBSITE.

TO THE EXTENT PERMITTED BY APPLICABLE LAW, ASIAN BANK & CAPITAL TRUST DOES NOT ACCEPT LIABILITY FOR DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR OTHER LOSSES OR DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF DATA OR PROGRAMS OR OTHERWISE, EVEN IF EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, THAT MAY RESULT FROM USE OF ASIANBANK.US AS A CONSEQUENCE OF ANY INACCURACIES IN, OR ANY OMISSIONS FROM, THE INFORMATION PUBLISHED ON THE WEBSITE.

Exclusions and Limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain damages. Accordingly, some of the disclaimers and limitations of liability may not apply. To the extent that Asian Bank & Capital Trust may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of Asian Bank & Capital Trusts liability shall be the minimum permitted under such applicable law.

Updates

Asian Bank & Capital Trust reserves the right to suspend, discontinue, and/or modify this Website, and any of its content, at any time and without notice at our sole discretion. Content found herein should be considered current only as of the initial publication date and not the date on which the content was accessed.

Forward-looking Statements

This Website may contain statements related to Asian Bank & Capital Trust future plans and expectations and, as such, constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements are subject to known and unknown events, risks, uncertainties and other factors that, individually or in the aggregate, may cause results to be different from those expressed herein. Such forward-looking statements are based on Asian Bank & Capital Trust management’s current expectations at the time the statements were originally made. Actual results may vary materially from the expectations expressed by Asian Bank & Capital Trust management and you are cautioned not to place any undue reliance on any forward-looking statements. Readers are strongly urged to read the full cautionary statements. Asian Bank & Capital Trust assumes no obligation to update any forward-looking statements to reflect events that occur or circumstances that exist after the date on which they were made.

Communications

Unless specifically provided otherwise in this Website, any communications and materials you send to this Website or to Asian Bank & Capital Trust by Internet or electronic mail are sent on a non-confidential basis and without any promises by Asian Bank & Capital Trust to keep such information confidential. Asian Bank & Capital Trust further shall have the right to use (including reproduce, modify, distribute and display) such communications or materials for any purpose whatsoever (including, without limitation, to develop, manufacture and/or market products) and without any obligation to pay you compensation for such use. Any information you send Asian Bank & Capital Trust must be legal, truthful and not violate the rights of any others. You further agree to defend, indemnify, and hold harmless Asian Bank & Capital Trust and its affiliates, shareholder, directors, officers, and employees from any and all claims or actions for actual or alleged infringement of any patent, trademark, copyright or other property right arising out of or in connection with your violation of any third party’s intellectual property rights, privacy rights or other any other property rights.

General Provisions

These Terms of Use, along with any other terms of use you agree to when using certain portions of this Website, constitute the entire agreement between you and Asian Bank & Capital Trust with respect to accessing or using this Website and the information contained herein. These Terms of Use shall be governed by the laws of the United States. Any claims or suits arising from or related to these Terms of Use or your access and/or use of asianbank.us Website shall be brought in the Federal and State courts and you irrevocably agree to submit to the exclusive jurisdiction of such courts without regard to the principles of conflict of laws. Asian Bank & Capital Trust failure to exercise or enforce any right or provision of these Terms of Use does not constitute a waiver of such right or provision. If a court of competent jurisdiction rules that any provision contained in these Terms of Use is invalid, then that provision will be deemed to be removed from these Terms of Use without affecting the remainders provisions, and the remaining provisions will be deemed to be valid and enforceable. The section titles in these Terms of Use are for convenience only and have no legal or contractual effect. These Terms of Use shall remain in full force and effect notwithstanding your ceasing to use the asianbank.us Website.

Privacy Policy

Your privacy is important to us. This statement discloses the information practices of Asian bank & Capital Trust, asianbank.us and its sub-sites including what type of information is gathered and tracked, how the information is used, and with whom the information is shared.

We have instructed our webmasters to include Asian Bank & Capital Trust, asianbank.us and its sub-sites information on these privacy practices wherever personal information is collected on a Commercial Bank website.

Personal information

In general, you can visit Asian Bank & Capital Trust, asianbank.us and its sub-sites on the web without telling us who you are and without revealing any information about yourself. There are times, however, when we or our partners may need information from you.

You may choose to give your personal information, such as your name and address or e- mail that may be needed, for example, to correspond with you, to process an order or to provide you with a subscription. It is our intent to let you know how we will use such information before we collect it from you on the Internet. We provide this information through the PRIVACY link, which is presented wherever personal information is collected. If a customer informs us that they do not wish us to use this information as basis for further contact with you, we will shall refrain any action relating to the customers information

Information security and quality

We intend to protect the quality and integrity of your personally identifiable information. We are implementing appropriate technical and organizational measures, such as using encryption for transmission of card numbers, to help us keep your information secure, accurate, current and complete.

We will make a sincere effort to respond in a timely manner to your requests to correct inaccuracies in your personal information. To correct inaccuracies in your personal information please return the message containing the inaccuracies to the sender with details of the correction.

Online advertising

Asian Bank & Capital Trust has certain companies that help us deliver our banner ads and other online communications. These companies may collect and use information about customers to help us better understand the offers, promotions and types of advertising that are most appealing to our customers. The information they collect is aggregated so it is not identifiable to a specific individual.

Privacy technology

Technology will increasingly help you to have more control over your personal information. It will also help organizations to manage their privacy practices and policies. As an information technology provider, Asian Bank & Capital Trust actively supports the development of privacy technologies to help achieve these goals, and to help create greater trust and confidence in the way personal information is handled. Products and services are available which can help give you privacy protection while navigating the web.

Please note that Asian Bank & Capital Trust has not formally evaluated all of these tools.

Cookies and other technologies

We sometimes collect anonymous information from visits to our website to help us provide better customer service. For example, we keep track of the domains from which people visit and we also measure visitor activity on Asian Bank & Capital Trust websites, but we do so in ways that keep the information anonymous. This anonymous information is sometimes known as ‘clickstream data.’ Asian bank & Capital Trust and websites or its analytic vendors may use this data to analyze trends and statistics to help us provide better customer service.

We collect personal data from you in connection with a transaction, we may extract some information about that transaction in an anonymous format and combine it with other anonymous information such as clickstream data. This anonymous information is used and analyzed only at an aggregate level to help us understand trends and patterns. None of this information is reviewed at an individual level. If you do not want your transaction details used in this manner, you can either disable your cookies or opt out at the order or request page.

We collect the anonymous information we mentioned in the previous paragraphs through the use of various technologies, including one called “cookies”. A cookie is an element of data that a website can send to your browser, which may then be stored on your system. Some Commercial Bank pages use cookies, sent by Commercial Bank or its third-party vendors, or other technologies to better serve you when you return to the site. You can set your browser to notify you before you receive a cookie, giving you the chance to decide whether to accept it. You can also set your browser to turn off cookies. If you do so, however, some areas of some sites may not function properly.

Asian Bank & Capital Trust’s website also uses web beacon technologies to better tailor those sites to provide better customer service. These ‘web beacons’ are placed on a number of pages across Commercial Bank Web sites. When a visitor accesses these pages, an anonymous notice of that visit is generated which may be processed by us or by our vendors. These Web beacons work in conjunction with cookies. If you don’t want to associate your anonymous cookie information with your visits to these pages, you can set your browser to turn off cookies.

If you turn off cookies, web beacon technologies will still detect anonymous visits to these pages, but the notices they generate cannot be associated with another anonymous cookie information and are disregarded.

Business relationships

The Asian Bank & Capital Trust and its website contains links to other websites. Asian Bank & Capital Trust is not responsible for the privacy practices or the content of such web sites.

Notification of changes

A notice will be posted on our website home page for 30 days whenever this privacy statement is changed.

Questions regarding this statement

Questions regarding this statement should be directed to the Asian Bank & Capital Trust’s website coordinator for clarification or at the Communications Department through [email protected] or 1288 Ala Moana Boulevard Honolulu, HI