Regulatory Disclosures

Illunwo Bank is a private banking platform. The information provided on this website and through our services is for informational purposes only and does not constitute financial, legal, investment, or tax advice. Illunwo Bank does not guarantee the accuracy, completeness, or timeliness of any information provided on this platform. All financial information, including account balances, transaction histories, and market data, is provided on an "as is" basis. Past performance of any financial product or service is not indicative of future results. The value of financial assets can go down as well as up, and clients may receive back less than they invest. Illunwo Bank reserves the right to modify, suspend, or discontinue any service or feature at any time without prior notice. We are not liable for any loss or damage arising from such modifications.

Banking and financial services involve inherent risks. By using Illunwo Bank services, you acknowledge and accept the following risks: Operational Risk: The risk of loss resulting from inadequate or failed internal processes, systems, or external events. While we maintain robust systems and controls, no system is infallible. Cybersecurity Risk: The risk of unauthorized access to your account or personal information. We employ industry-leading security measures, but no security system provides absolute protection against all threats. Liquidity Risk: The risk that you may not be able to access your funds immediately in all circumstances. Withdrawal processing times may vary based on transaction size, compliance review requirements, and system availability. Regulatory Risk: The risk that changes in laws or regulations may affect the services we offer or the terms on which they are provided. We will notify you of material regulatory changes that affect your account. Technology Risk: The risk of service interruption due to technical failures, maintenance, or cyberattacks. We maintain business continuity plans but cannot guarantee uninterrupted service. Currency Risk: For multi-currency accounts, exchange rate fluctuations may affect the value of your holdings when converted between currencies. Clients should carefully consider these risks before using our services and should seek independent professional advice where appropriate.

Illunwo Bank is a private banking platform. The regulatory status of any banking platform depends on the jurisdiction in which it operates and the specific services it provides. Important Notice: A production deployment of Illunwo Bank handling real client funds requires: • Appropriate banking licenses or charters from relevant regulatory authorities • Registration with applicable financial intelligence units • Compliance with all applicable banking, securities, and financial services laws • Engagement of qualified legal, compliance, and regulatory counsel • Adequate capital reserves as required by applicable regulations • Deposit insurance arrangements where required Clients should verify the regulatory status of any financial institution before depositing funds or using financial services. Regulatory status information should be obtained directly from the relevant regulatory authority. This platform is designed as a professional banking-grade application foundation. Any deployment handling real funds must be properly authorized and regulated.

Deposit protection arrangements vary by jurisdiction and regulatory status. Clients should be aware of the following: Deposit Insurance: Whether client deposits are covered by deposit insurance schemes (such as the FDIC in the United States or the FSCS in the United Kingdom) depends on the regulatory status of the institution and the jurisdiction. Segregation of Funds: Illunwo Bank maintains strict segregation between client funds and operational funds. Client deposits are held in designated accounts and are not used for the Bank's operational expenses. Capital Adequacy: Illunwo Bank maintains capital reserves in accordance with applicable regulatory requirements to ensure the ability to meet client obligations. Clients are encouraged to review the deposit protection arrangements applicable to their accounts and to seek independent advice if they have questions about the protection of their deposits.

Illunwo Bank charges fees for certain services. All applicable fees are disclosed in your account agreement and our current fee schedule. Key fee disclosures: Transparency: We are committed to transparent fee disclosure. All fees will be clearly communicated before you incur them, and you will receive itemized fee statements. Fee Changes: We will provide at least 30 days' prior written notice of any changes to our fee schedule. Continued use of our services after fee changes take effect constitutes acceptance of the revised fees. Currency Conversion: Currency conversion transactions are subject to a spread applied to the mid-market exchange rate. The applicable spread will be disclosed at the time of the transaction. Third-Party Fees: Certain transactions may be subject to fees charged by third-party financial institutions (such as correspondent banks or payment processors). These fees are beyond our control and will be disclosed where known in advance. No Hidden Fees: Illunwo Bank does not charge hidden fees. All fees are disclosed in our fee schedule and account agreement. If you believe you have been charged an incorrect fee, please contact our support team immediately.

Illunwo Bank is committed to resolving client complaints promptly and fairly. Our complaints process: How to Complain: You may submit a complaint through any of the following channels: • Online: Through the support form at /support • Email: complaints@illunwobank.com • Phone: +1 (800) ILW-BANK Acknowledgment: We will acknowledge receipt of your complaint within 2 business days. Investigation: We will investigate your complaint thoroughly and impartially. Complex complaints may require up to 30 business days to resolve. Resolution: We will provide a written response explaining our findings and any remedial action taken. If we are unable to resolve your complaint to your satisfaction, we will explain the reasons and advise you of any further options available to you. Escalation: If you are not satisfied with our response, you may have the right to escalate your complaint to the relevant financial ombudsman or regulatory authority in your jurisdiction. Record Keeping: We maintain records of all complaints and use complaint data to improve our services and identify systemic issues.