Welcome to depositoffer, owned and operated by KHKWAN & CO (Advocates). We strongly believe that our members deserve the utmost respect when it comes to the privacy of their personal information.

The following is a detailed summary of depositoffer privacy practices that apply to all current and former depositoffer members. This is not the official notice but provides more detailed background about our practices.

We collect information about you:

• Directly from you as a member at the time of registration.

• Periodically as you update your profile information.

• Through feedback from other members of depositoffer with whom you may conduct business.

We share your information:

• With other members of depositoffer, but only as much information as you choose to reveal about yourself.

• With other third parties that are involved in the process of providing the services that you request, such as credit bureaus, customer service providers, collection agencies, and companies that provide services on our behalf.

• As permitted or required by law.

• Depositoffer does not sell or rent your information to third parties for marketing purposes.

We give you choices regarding your information:

• You have choices about the personal information you display about yourself.

• You can easily update your personal profile and view your transaction documents.

• You can update your preferences at any time.

We share and display transaction status information:

• We display status information on transactions.

• We notify potential Banks of cancellations of listings.

We protect your information:

• We may use Secure Socket Layer (SSL) encryption technology to protect the personal information that you submit.

• By limiting employee and third party access to your personal information on a "need to know" basis.

You can give us feedback or submit questions at any time by sending email to compliance@depositoffer.com.

Note Regarding Children Under 18

Children under the age of 18 are not eligible to participate in the offerings on this web site.

We collect information about you

Depositoffer may collect personal information as part of the registration process for persons joining the community. This information includes name, email, address, and telephone number. We may collect your Social Security number to help verify your identity or for other reasons, including obtaining a credit report. If you have a question regarding our services prior to registering as a member, we may collect your name and email address in order to respond to your requests.

Each member has its own member page where it may post information about itself. You will be identified only by your username, which you choose and which you can use to remain anonymous. If you provide identifying information, either in your choice of username or otherwise, it is your choice, and you do so at your own discretion. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.

We use your information to prepare your profile and to facilitate requested transactions in the depositoffer community. This includes:

• Communicating with financial service companies to facilitate automatic payments, transaction servicing, and other services in order to complete your transactions.

• Assisting members in completing transactions with other members, including arranging email contacts and collection services if necessary.

If we have trouble processing a transaction, we may use this information to contact you.

A sense of community is what makes depositoffer a unique depositor source. That's why we ask for feedback from members about financial businesses with whom they interact in transactions.

We share your information with other members of the depositoffer community

Because depositoffer is a community-oriented marketplace, it is important that members have sufficient information about each other to consider transactions. You are welcome to share as much information about yourself as you think is necessary and appropriate. Such sharing of information is entirely your choice, and you share this information at your own discretion. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.

depositoffer does not sell or rent your personal information to third parties for marketing purposes.

We give you choices regarding your information

Some information is required in order to participate in the depositoffer community. For example, we need certain information in order to verify your identity and, for Financial Institutions seeking deposits, establish appropriate rates for your proposed listing.

Some information is optional, such as details about your transaction. You can share as much or as little optional information as you like. Depositor listings must not include any personally identifiable information, but otherwise the information you choose to share in a listing is entirely your own choice, and you share this information at your discretion. Potential Financial Institutions may request additional information from you in the course of completing your transaction. It’s your choice to share information. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.

You can access and review the personal information you submit at any time. To update your personal profile information, you can log in to your account using your username and password specified at the time of registration. If you no longer desire our service, you may request your account be deactivated by emailing our Member Support at compliance@depositoffer.com or by contacting us by telephone or postal mail at the contact information listed below. We will respond to your request within the same business day.

The information we collect from you when you register as a depositoffer member is kept securely in our database. We retain this information to satisfy legal requirements such as recordkeeping and tax and credit reporting requirements, as well as for purposes of fraud prevention, audit and data integrity.

We share and display certain credit and transaction status information

If you register as a Depositor and create a listing, we display your listing including your username, and the narrative description you prepared for your listing publicly on the Depositoffer web site. Registered Financial Institution who you have approved to access your full profile.

We use your username to identify your transaction; therefore, in order to protect your privacy, you should choose a username that does not closely resemble your real name, and you are not permitted to use your real name or other personally identifiable information in your transaction listing. If your listing is cancelled by depositoffer, we notify any members participating in your listing of the cancellation.

We protect your information

At depositoffer, we are committed to maintaining the security and confidentiality of your personal and financial information. We maintain physical, electronic, and procedural safeguards that meet or exceed industry standards for financial institutions.

We control access to this information via secure web pages, and limit access to only those employees or third parties on a need to know basis.

We employ firewalls and other security technologies to protect our servers from external attack. We enable our servers with Secure Socket Layer (SSL) technology to establish a secure connection between your computer and our servers, creating a private "conversation" that cannot be viewed or accessed by other parties. We test our systems regularly to ensure that our security mechanisms are up to date.

The security of your account also depends on the protection of your depositoffer password. You should not share this password with anyone. We have developed procedures for recovering your password which will not require you to send us your password via email or give it out over the phone. If you ever receive an email requesting entry of your email address and/or username and password, confirm that you are on a web site with a URL beginning http://depositoffer.com/ or https://depositoffer.com.

Federal and state regulations may require that we maintain and report aggregate demographic information on members who participate in transactions. We may also maintain information, including personally identifiable information of our members, for a period of seven years or more in accordance with federal and state laws.

Other Important Information

Marketing preferences

depositoffer does not sell or rent your information to third parties or marketing firms. We do send communications to you periodically to notify you of status or events related to your participation in our community. You may manage your email preferences in your account settings page.

Our use of cookies

Cookies are small text files created by a web site that store information on your computer, such as your preferences when visiting that site. Depositoffer uses cookies when you sign in to keep track of your personal session, including some account identifiers so that we can ensure that you are the only person making changes to your account. We also use cookies to track your activity on our site as a unique person. All of this information is stored in an encrypted fashion for security reasons, and no personal information about you is stored.

We use session ID cookies to make it easier for you to navigate our site. Session ID cookies expire when you close your browser. We use a persistent cookie that remains on your hard drive for an extended period of time, so that we can recognize you when you return to our web site. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file; however, because we use cookies for our sign-in functionality, if you choose to disable cookies you will not be able to log on to the depositoffer web site.

Analytics Data

As is true of most web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.

Third party links

Depositoffer may post links to third party web sites that are not subject to our privacy policy. Some member pages may also contain links unrelated to depositoffer. If you visit these web sites, we encourage you to read their privacy policies before providing them with any personal information.

Note

Helpful tips on protecting your information

It is a good practice to select a password for your account that is at least eight characters in length. In addition, your password should be unique and not easily predictable, and should contain at least one of each of (1) lower case letters, (2) upper case letters, (3) numbers and (4) special characters. Another good practice is to change your password periodically (at least every six months).

State law

You may have privacy rights under applicable state law in addition to those outlined in our privacy policy.

Legal Disclaimer

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

If depositoffer is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Changes to this policy

To accommodate changes to our web site, changing technology, and possible legal requirements, depositoffer may change its privacy policy at any time. We will promptly post any policy changes to this page and notify our members directly with notice of any material changes prior to the changes taking effect.

For additional information, or if you have any questions regarding this policy or the privacy practices, submit your questions or comments directly to compliance@depositoffer.com via email. Any personal information you submit will be used solely to respond to your requests.

Our Telephone/Fax : 6089218853

Our Correspondence Address: P.O.Box 1178, Sandakan 90713, Sabah, Malaysia