INVESTOR RELATIONS

INVESTOR RELATIONS

We are committed to fostering transparent and open communication with our investors by regularly publishing comprehensive information about our financial performance, strategic initiatives, and market opportunities.

We aim to create long-term value for our shareholders by focusing on sustainable growth and responsible investment strategies. By sharing insights into our business model, allowing you to make informed decisions, ensuring you stay updated on our progress and achievements. Our dedicated Investor Relations team is always available to address your inquiries and provide the support you need.

XCP Bank is positioning itself for future success and believes that together we can share our journey and build a prosperous future.

For more detailed inquiries, please contact XCP Bank's Investor Relations department.

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LEGAL DISCLAIMER

The contents of this website, including but not limited to information, materials, suggestions, and circulars (collectively referred to as "Content"), are provided for general informational purposes only. The information presented on this site does not constitute an invitation or solicitation to invest in the shares of XCP Bank, nor does it guarantee any specific performance or outcomes.

All information and materials contained herein, including terms, conditions, and descriptions, are subject to change without prior notice. While we strive to ensure the accuracy and timeliness of the information provided, XCP Bank makes no representations or warranties of any kind, express or implied, regarding the reliability, adequacy, or completeness of the Content.

If the Content contains any mistakes, omissions, inaccuracies, or typographical errors, XCP Bank assumes no responsibility or liability for such discrepancies. We encourage users who require additional information or clarification to contact the Bank directly.

The Content, including text, graphics, links, and other items, is provided on an "as is" and "as available" basis. XCP Bank expressly disclaims any warranties regarding the totality and accuracy of the information and materials presented herein, including but not limited to:

- Accuracy and Reliability: XCP Bank does not warrant that the Content will be free from errors, omissions, or interruptions, or that it will be accurate, reliable, or current.

- Third-Party Links: The website may contain links to third-party websites. These links are provided for convenience only and do not constitute an endorsement of the content or services offered by such third-party websites. XCP Bank is not responsible for the availability or content of these external sites and shall not be liable for any damages arising from your use of them.

- Legal Liability: XCP Bank shall not be liable for any legal claims, losses, damages, or expenses arising from or related to your reliance on the information contained in this site. This includes, but is not limited to, direct, indirect, incidental, consequential, or punitive damages.

By accessing and using this website, you acknowledge that you have read, understood, and agreed to this Legal Disclaimer. If you do not agree to these terms, you should not use this website.

For more detailed inquiries, please contact XCP Bank's customer service department.

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GUARANTOR GUIDELINES

AGREEING TO BE A GUARANTOR

These guidelines outline the rights and liabilities of guarantors, which must be fully understood before committing to guarantee someone else's debt.

Who is a Guarantor?

A Guarantor is an individual or entity that agrees to assume responsibility for the financial obligations of a borrower. This includes providing movable and immovable property as security and/or signing a contract of guarantee, whereby the guarantor commits to pay any outstanding debts if the principal debtor(s) or borrower(s) fail to fulfill their obligations.

What is a Contract of Guarantee?

A Contract of Guarantee is a legal agreement in which the guarantor agrees to be liable to XCP Bank for the outstanding debts of the borrower in the event that the borrower defaults on their repayment obligations regarding the credit facility.

Important Considerations Before and After Signing the Contract of Guarantee

Guarantor Rights

As a guarantor, you have several important rights, including but not limited to:

- Independent Legal Advice: You are encouraged to seek independent legal advice before signing the contract of guarantee. This ensures that you fully understand your commitments and the potential consequences of your guarantee, even if you are a related party to the borrower (e.g., through shareholding).

- Access to Documentation: You have the right to request a copy of the contract of guarantee that you will sign.

- Credit Information Inquiry: You may inquire with the relevant Credit Information Bureau about any information registered in your name by XCP Bank.

- Complaint Procedures: If you feel aggrieved by any actions or omissions by the bank, you have the right to file a complaint. XCP Bank provides guidance on the complaints process for all guarantors.

- Account Statements: You may request a statement of account at any time during the credit facility period. XCP Bank will provide you with a copy of the statement upon request.

- Indebtedness Information: Prior to providing your guarantee, you have the right to obtain information from XCP Bank regarding the total indebtedness of the borrower to the bank.

Guarantor Liabilities

As a guarantor, you should be aware of your potential liabilities, including:

- Responsibility Awareness: XCP Bank will explain the responsibilities and potential consequences you may face in the event of the borrower’s default, including the type of guarantee you are entering into.

- Contract Review: You are strongly advised to read and understand the contract of guarantee before executing it to ensure clarity regarding your obligations.

- Extent of Liability: You will be informed of the extent of your liability, which may include accrued interest and other charges, as specified in the contract of guarantee.

- Liability for Default: You may be held liable for the borrower’s obligations in accordance with the terms of the contract of guarantee if the borrower defaults on any payment. This liability may arise if the bank makes a demand on you as the guarantor.

- Exercise of Security: XCP Bank reserves the right to exercise any security interest held in connection with the loan, should the borrower become insolvent or in the event of the borrower’s death.

Conclusion

In any case where you may enter into an agreement to act as a guarantor, you are making a significant financial commitment. It is crucial to fully understand the terms and implications of your guarantee. Should you have any questions or require further clarification, please do not hesitate to contact XCP Bank directly. We are here to support you and ensure that you have the information necessary to make informed decisions.

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