The contents noted herein pertain to the FirstCaribbean International Bank Limited Group of Companies, Subsidiaries and Branches.
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1 The cntents nted herein pertain t the FirstCaribbean Internatinal Bank Limited Grup f Cmpanies, Subsidiaries and Branches. SECTION 1 GENERAL ADMINISTRATIVE INFORMATION 1. Legal and Trading Name: FirstCaribbean Internatinal Bank Limited 2. Date Established: Octber 11, Street Address: Warrens, St. Michael, Barbads 4. Website Address: 5. Name f Parent Cmpany: Canadian Imperial Bank f Cmmerce (CIBC) 6. Address f Parent Cmpany: Cmmerce Curt Trnt Ontari, M5L 1G2 Canada 7. Name f Parent Cmpany Stck Exchange and Symbl: Trnt Stck Exchange (TSE) - Symbl CM (If publicly traded) 8. Operating Cmpanies: FirstCaribbean Internatinal Bank Ltd perates eight (8) whlly r majrity wned entities as fllws: 1. FirstCaribbean Internatinal Bank (Barbads) Limited (Whlly wned) Address: Warrens, St. Michael Lcatin (s): Anguilla; Antigua & Barbuda; Barbads; Belize, Dminica; Grenada; St. Kitts-Nevis; St. Lucia; St. Vincent and the Grenadines 2. FirstCaribbean Internatinal Bank (Bahamas) Limited (95.2% sharehlding) Address: Bay Street, Nassau, Bahamas Lcatin (s): Bahamas and Turks and Caics 3. FirstCaribbean Internatinal Bank (Cayman) Limited (Whlly wned) Address: 25 Main St., Gerge Twn, Grand Cayman Lcatin (s): BVI, Cayman, Curaca, St. Maarten 4. FirstCaribbean Internatinal Bank (Jamaica) Limited (99.71% sharehlding) Address: Knutsfrd Bulevard, Kingstn, Jamaica Lcatin: Jamaica 5. FirstCaribbean Internatinal Wealth Management Bank (Barbads) Limited (Whlly wned) Address: Rendezvus, Christ Church, Barbads Lcatin: Barbads 6: FirstCaribbean Internatinal Bank (Trinidad and Tbag) Limited (Whlly wned) Address: 74 Lng Circular, Maraval, Trinidad and Tbag Lcatin: Trinidad and Tbag 7. CIBC Trust Cmpany (Bahamas) Limited (Whlly wned by FirstCaribbean Internatinal Bank Limited) Address: West Bay Street, Gdmans Bay Crprate Centre, Nassau, Paradise Islands, Bahamas Lcatin: Bahamas 8. CIBC Bank and Trust Cmpany (Cayman) Limited (Whlly wned by FirstCaribbean Internatinal Bank Limited) Address: CIBC Financial Centre, 11 Dr. Ry s Drive P. O. Bx 694, Gerge Twn, Cayman Islands Lcatin: Cayman Islands 9. Type f Business and Activity: Financial Services including but nt limited t: Retail, Crprate Banking, Capital Markets and Wealth Management Anti-Mney Laundering and Anti-Terrrist Financing Questinnaire
2 10. Is the Financial Institutin Publicly Traded? YES (If Yes, please state name f exchange and symbl) FirstCaribbean Internatinal Bank Limited is itself publicly traded as well as tw (2) f its perating cmpanies, is as fllws: FirstCaribbean Internatinal Bank Limited FCI 1. Barbads Stck Exchange 2. Trinidad and Tbag Stck Exchange 3. Eastern Caribbean Stck Exchange FirstCaribbean Internatinal Bank (Bahamas) Limited CIB 1. Bahamas Internatinal Securities Exchange 11. Regulatry Authrity Infrmatin: The FirstCaribbean Grup f Cmpanies is licensed and supervised by the fllwing Regulatry Authrities: FirstCaribbean Internatinal Bank (Barbads) Limited regulatry authrities are: Central Bank f Barbads Eastern Caribbean Central Bank Central Bank f Belize FirstCaribbean Internatinal Bank (Bahamas) Limited regulatry authrities are: Central Bank f the Bahamas Turks and Caics Financial Services Cmmissin FirstCaribbean Internatinal Bank (Cayman) Limited regulatr authrities are: Cayman Islands Mnetary Authrity Central Bank f Curaca and St. Maarten BVI Financial Services Cmmissin FirstCaribbean Internatinal Bank (Jamaica) Limited regulatry authrity is: Bank f Jamaica FirstCaribbean Internatinal Wealth Management Bank (Barbads) Limited regulatry authrity is: Central Bank f Barbads FirstCaribbean Internatinal Bank (Trinidad and Tbag) Limited regulatry authrity is: Central Bank f Trinidad and Tbag CIBC Trust Cmpany (Bahamas) Limited regulatry authrity is: Central Bank f the Bahamas Securities Cmmissin f the Bahamas CIBC Bank and Trust Cmpany (Cayman) Limited regulatry authrity is: Cayman Islands Mnetary Authrity Anti-Mney Laundering and Anti-Terrrist Financing Questinnaire
3 SECTION 2 ANTI-MONEY LAUNDERING/ANTI-TERRORIST FINANCING PROGRAM A. General AML/ATF Plicies, Practices and Prcedures YES NO 1. Des the Financial Institutin s AML/ATF prgram require apprval f the Bard f Directrs? 2. Des the Financial Institutin s apprved AML/ATF prgram include a designated Cmpliance Officer with versight respnsibility fr crdinating the AML/ATF prgram n a daily basis? 3. Des the Financial Institutin s apprved AML/ATF prgram include written plicies, dcumenting the prcesses t be fllwed in preventing, detecting and reprting suspicius activity? 4. Des the Financial Institutin s apprved AML/ATF prgram include an independent internal audit functin that peridically tests the AML/ATF practices and plicies n a regular basis? 5. Des the Financial Institutin have a plicy prhibiting accunts/relatinships with shell banks? (A shell bank is defined as a bank incrprated in a jurisdictin in which it has n physical presence and which is unaffiliated with a regulated financial grup) 6. Des the Financial Institutin s apprved AML/ATF prgram include plicies cvering relatinships with plitically expsed persns cnsistent with industry best practice? 7. Des the Financial Institutin require that its AML/ATF plicies be applied t all branches and subsidiaries f the Financial Institutin bth in the hme cuntry and in lcatins utside f the hme cuntry? 8. Des the Financial Institutin have apprpriate recrd retentin prcedures pursuant t applicable laws? B. Risk Assessment 1. Des the Financial Institutin determine the apprpriate level f due diligence necessary fr thse categries f custmers and transactins that the Financial Institutin has reasn t believe pse a heightened risk f illicit activities at r thrugh the Financial Institutin? C. Knw Yur Custmer Prcedures 2. Has the Financial Institutin implemented systems fr the identificatin f its custmers using independent verifiable surces including: a. Identificatin f beneficial wnership (including wnership and cntrl structure where applicable)? b. Infrmatin regarding the purpses and nature f business relatinship? c. On-ging due diligence f the business relatinship and scrutiny f transactins undertaken t ensure cnsistency with client prfile? d. Prcedures that establish a recrd fr each custmer nting their respective identificatin dcuments at accunt pening? 3. Des the Financial Institutin have a plicy that prhibits custmers frm maintaining annymus accunts (i.e. numbered accunts fr which the Financial Institutin des nt knw the wner? 4. Des the Financial Institutin have a plicy that specifies hw transactins invlving ccasinal custmers shuld be handled? 5. Des the Financial Institutin s Knw Yur Custmer Plicy include enhanced due diligence prcedures fr a. Plitically expsed persns? b. The handling f nn-face-t-face business relatinships? c. The use f intermediaries and ther third party surces f business? D. Reprtable Transactins 1. Des the Financial Institutin have plicies r practices fr the identificatin and reprting f unusual/suspicius transactins? Anti-Mney Laundering and Anti-Terrrist Financing Questinnaire
4 E. Transactin Mnitring YES NO 2. Des the Financial Institutin have prcedures t identify transactins that are structured t avid large cash reprting requirements? 3. Des the Financial Institutin mnitr transactins against fficial lists f suspect terrrists and/r terrrist rganizatins and are cnfirmed matches reprted t cmpetent authrities? 4. Des the Financial Institutin have a mnitring prgram fr suspicius r unusual activity that cvers funds transfers and mnetary instruments (e.g. traveler s cheques; mney rders etc)? 5. Des the Financial Institutin require cmplete infrmatin fr utging wire transfer instructins, including sender and beneficiary names, addresses, accunt numbers and purpse? F. AML/ATF Training 1. Des the Financial Institutin prvide AML/ATF training t staff n a regular basis that includes: a. Knw Yur Custmer Prcedures? b. The means f identifying unusual/suspicius activity and internal prcedures t reprt same? c. Examples f mney laundering and terrrist financing? d. Internal prcedures t detect and prevent mney laundering and terrrist financing? 2. Des the Financial Institutin maintain recrds f executed training including attendance recrds and training materials used? 3. Des the Financial Institutin cmmunicate new AML/ATF laws r regulatins r changes t existing laws r regulatins t relevant emplyees? Anti-Mney Laundering and Anti-Terrrist Financing Questinnaire
5 Cmpliance Cntact Infrmatin: The Chief Cmpliance Officer (CCO) is Anna McLean: Fr further infrmatin regarding the cntents f this AML/AFT questinnaire please cntact the nted Cmpliance persnnel f the respective perating cmpanies: FirstCaribbean Internatinal Bank (Bahamas) Limited Randy Taylr Tel: (242) ; Randy.Taylr@cibcfcib.cm FirstCaribbean Internatinal Bank (Barbads) Limited Inga Millingtn Tel: (246) ; Inga.Millingtn@cibcfcib.cm Tracee Bascmbe Tel: (246) ; Tracee.Bascmbe@cibcfcib.cm Richelle Campbell-Breretn Tel: (246) ; Richelle.Campbell-Breretn@cibcfcib.cm FirstCaribbean Internatinal Bank (Cayman) Limited Cayman & St. Maarten - Elvis Cward Tel: (345) ; Elvis.Cward@cibcfcib.cm BVI - Octavia Alexander Tel: (284) ; Octavia.Alexander@cibcfcib.cm Curaca - Rynell Martijn Tel: (599-9) ; Rynell.Martijn@cibcfcib.cm FirstCaribbean Internatinal Bank (Jamaica) Limited Judith Rme Tel: (876) ; Judith.Rme@cibcfcib.cm FirstCaribbean Internatinal Wealth Management Bank (Barbads) Limited Tracee Bascmbe Tel: (246) ; Tracee.Bascmbe@cibcfcib.cm FirstCaribbean Internatinal Bank (Trinidad and Tbag) Limited Cindy Sadaphal Tel: (868) ; Cindy.Sadaphal@cibcfcib.cm CIBC Bank and Trust Cmpany (Cayman) Limited Tatiane Tibbetts Tel: (345) ; Tatiane.Tibbetts@cibcfcib.cm CIBC Trust Cmpany (Bahamas) Limited Natika Whitfield Tel: (242) ; Natika.Whitfield@cibcfcib.cm Anti-Mney Laundering and Anti-Terrrist Financing Questinnaire
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