Effective Date: December 2025 Sao Paulo

Last Updated: October 2025

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Welcome to The Foreigners Bank Ltda (“The Foreigners Bank”, “we”, “us”, “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website, digital banking services, mobile app, and related products (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms and all applicable laws and regulations.

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If you do not agree with these Terms, you must not access or use the Services.

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1. Acceptance of Terms

By registering for an account, using any part of the Services, or clicking “I Agree,” you agree to these Terms and our Privacy Policy. You also confirm you have the legal capacity to enter this agreement.

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2. Eligibility

To use the Services, you must:

• Be at least the age of majority in your jurisdiction;

• Provide true, accurate, current, and complete information when requested;

• Comply with applicable local laws and regulations;

• Not be located in a jurisdiction where our Services are restricted.

• We reserve the right to refuse access or close accounts at our discretion.

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3. Account Registration

When you register:

• You agree to provide valid identification and verification information.

• You are responsible for maintaining the confidentiality of your login credentials.

• Account access is personal; you must prevent unauthorized use.

• You authorize us to verify your identity using third-party services and to retain records of your verification.

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4. Use of Services

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4.1 Digital Banking

Once your account is set up, you may use online and mobile tools to:

• View balances and transactions;

• Transfer funds between accounts;

• Exchange currency (where offered);

• Use payment services, cards, investments, and related functions.

Use of any specific product or service may require separate terms or disclosures which will be provided when applicable.

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4.2 Restrictions

You agree not to:

• Use the Services for unlawful purposes;

• Bypass security or attempt unauthorized access;

• Impersonate another person;

• Use automated tools or bots to access the Services.

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5. Fees & Charges

All applicable fees for use of the Services are described on our website and may change from time to time. You agree to pay all charges incurred. Fees may include but are not limited to:

• Account maintenance fees;

• Transaction fees;

• Foreign exchange spreads or charges.

We may deduct fees from your account or bill you separately.

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6. Privacy & Data

Our Privacy Policy (linked below) describes how we collect, use, and share your personal data. By using the Services, you consent to such collection and processing.

Link: Privacy Policy

We may also send you electronic notices about material changes to terms or services.

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7. Security

You are responsible for maintaining the confidentiality and security of your credentials. You must:

• Immediately notify us of any unauthorized access;

• Change passwords or block access if compromised;

• Follow our security procedures, including any two-factor authentication requirements.

• We may suspend or restrict access if we suspect breach or misuse.

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8. Intellectual Property

All content, trademarks, service marks, logos, and materials displayed on our digital properties are owned by The Foreigners Bank or its licensors. You may not reproduce, distribute, modify, or create derivative works without our written consent.

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9. Disclaimers

The Services are provided “as is” and “as available” without warranties of any kind. We do not guarantee uninterrupted or error-free access. To the maximum extent permitted by law:

• We disclaim all warranties, express or implied;

• We do not guarantee results from using the Services.

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10. Limitation of Liability

To the fullest extent permitted by law, The Foreigners Bank and its affiliates will not be liable for:

• Indirect, incidental, special, or consequential damages;

• Loss of profits, data, or goodwill;

• Any loss arising from your use or inability to use the Services.

• Our total liability will not exceed the amounts you have paid us in the prior 12 months.

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11. Termination

We may suspend or terminate your access for cause (e.g., fraud, breach of terms, non-use, regulatory reasons). You may also close your account in accordance with our procedures. Upon termination:

• Your rights to use the Services end;

• We may retain data as required by law or for legitimate business purposes.

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12. Amendments

We may update these Terms at any time. Notice of changes will be provided electronically or by posting on the Website. Continued use after notice constitutes acceptance.

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13. Governing Law & Dispute Resolution

These Terms are governed by the laws of Brazil. Any dispute arising under or related to these Terms will be resolved:

• First, through good-faith negotiation;

• If unresolved, by final and binding arbitration in São Paulo, Brazil, unless otherwise required by law.

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14. Miscellaneous

• Severability: If a part of these Terms is unenforceable, the remainder will continue in effect.

• No Waiver: Failure to enforce a right does not waive that right.

• Entire Agreement: These Terms and linked documents constitute the entire agreement between you and The Foreigners Bank regarding use of the Services.

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Contact Us

If you have questions, support needs, or requests related to these Terms or your account, you can contact us through our Help Desk or support channels provided on the Website.

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