Ceiba Financial, LLC collects nonpublic personal information about you and your firm from the following sources: ➤ Information we receive from you on applications or other forms; ➤ Information about your transactions with us or others; and ➤ Information we may receive from a consumer reporting agency. We do not disclose any nonpublic personal information about you or your company to anyone, except as permitted by law. If you decide to cease conducting business with us for any reason, we will adhere to the privacy policies and practices as described in this notice. Ceiba Financial restricts access to your personal and business information to those employees and associates who need to know that information to provide products or services to you. Ceiba Financial maintains physical, electronic, and procedural safeguards to guard your nonpublic personal and business information.

To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. This Notice answers some questions about the firm’s Customer Identification Program.

When you open an account, we are required to collect information such as the following from you: ➤ Your name ➤ Date of birth ➤ Address ➤ Identification number ➤ U.S. Citizen: taxpayer identification number (social security number or employer identification number) - ➤ Non-U.S. Citizen: taxpayer identification number, passport number, and country of issuance, alien identification card number, or government issued identification showing nationality, residence, and a photograph of you. You may also need to show your driver’s license or other identifying documents. A corporation, partnership, trust or other legal entity may need to provide other information, such as its principal place of business, local office, employer identification number, certified articles of incorporation, government-issued business license, a partnership agreement, or trust agreement. U.S. Department of the Treasury, Securities and Exchange Commission, FINRA, and New York Stock Exchange rules already require you to provide most of this information. These rules also may require you to provide additional information, such as your net worth, annual income, occupation, employment information, investment experience, objectives and risk tolerance.

We may not be able establish a relationship or carry out transactions for you. We thank you for your patience and hope that you will support the financial industry’s efforts to deny terrorists and money launderers access to America’s financial system. Should you have any additional questions concerning our customer identification program, you may submit a written request for additional information to our Chief Compliance Officer, Carlos Lane at Clane@ceibafin.com or call at (949) 688-4218