Regulatory Disclosures

1. Registered particulars

2. Regulatory status

Centrue Private Bank Limited holds an international banking licence granted by the Minister of Finance of the Nevis Island Administration on 12 January 2026 under section 8(2) of the Nevis International Banking Ordinance, Cap. 7.05 (N). The licence authorises Centrue Private Bank Limited to carry on international banking business from the Island of Nevis.

The Bank is subject to supervision by the Regulator of International Banking and by the competent regulatory and supervisory authorities in Nevis, including the Nevis Financial Services Regulatory Commission.

3. Applicable regulatory framework

The Bank is subject to applicable laws and regulatory requirements concerning: international banking; anti-money laundering, counter-terrorist financing and counter-proliferation financing; economic and financial sanctions; proceeds of crime; tax transparency; data protection; corporate governance; and prudential and operational risk management.

The Bank may not conduct activities outside the scope of its licence without any approval required under applicable law. Nothing published on this website should be interpreted as extending the scope of the Bank's licence, permissions or approved activities.

4. Geographic restrictions

The Bank's services are not directed at persons in jurisdictions where offering, accessing or receiving those services would be unlawful or would require an authorisation not held by the Bank, and are not available to citizens or residents of Saint Christopher and Nevis.

Persons accessing this website are responsible for determining whether they may lawfully receive information about, or apply for, the Bank's services. The Bank may apply restrictions by reference to nationality or residence, customer location, business activity, payment corridor, destination or origin of funds, sanctions exposure, tax status, product type, or requirements imposed by institutional partners.

5. Nature of the information on this website

This website provides general information about the Bank, its institutional positioning, and its current or intended services. The information contained on this website:

• does not constitute an offer or solicitation;
• does not constitute banking, investment, legal, regulatory or tax advice;
• does not create a banking or contractual relationship;
• does not constitute acceptance of any account application;
• does not guarantee that a product or service will be made available; and
• should not be relied upon as the sole basis for a financial or investment decision.

A customer relationship is established only after the Bank has received a complete application, completed the required customer due diligence, assessed the applicant against its risk appetite, obtained any necessary approvals, accepted the applicant in writing, and entered into the applicable customer agreement.

A service referred to on this website may still be subject to implementation, testing, regulatory assessment, partner availability or formal product approval. Publication of information about a service does not confirm that the service is currently available to every customer or in every jurisdiction.

6. Product governance

The Bank does not launch or market a product or service unless it has been assessed through its internal product-governance framework. That assessment may include consistency with the Bank's licence; target clients and jurisdictions; customer eligibility; operational readiness; legal and regulatory requirements; financial-crime risks; sanctions controls; technology and cybersecurity; outsourcing arrangements; liquidity, settlement and reconciliation; pricing and customer disclosures; and conduct and reputational risk.

Products may be approved, approved subject to conditions, restricted, deferred or rejected. The Bank may suspend, amend or withdraw a product where required by law, regulatory expectations, operational considerations or its internal risk appetite.

7. Third-party and outsourced services

The Bank uses, or may use, approved third-party providers for certain operational and technology services, including customer onboarding and identity verification; sanctions and adverse-media screening; transaction monitoring; core banking technology; payments and foreign exchange; custody and securities execution; cloud hosting; and communications.

The Bank maintains responsibility for overseeing material outsourced activities and applies due diligence, risk assessment, contractual controls, performance monitoring and exit planning proportionate to the nature and importance of each service. The availability of services may be affected by a third-party outage, restriction, compliance decision or other event outside the Bank's direct control.

8. Payments and foreign exchange

Payments and foreign-exchange transactions may be executed through approved correspondent banks, payment institutions, liquidity providers, clearing systems and other institutional partners. Execution, settlement and availability may depend on the payment currency, the originating and destination countries, the selected payment rail, correspondent and intermediary institutions, banking holidays, cut-off times, liquidity requirements, compliance and fraud reviews, the accuracy of payment instructions, and circumstances outside the Bank's reasonable control.

Unless expressly confirmed in writing, the Bank does not guarantee same-day execution or settlement within a particular timeframe. The Bank may reject, hold or return a payment containing incomplete, inaccurate, inconsistent or prohibited information.

9. Investments and custody

Securities, investment, wealth-management and custody services are subject to separate eligibility criteria, risk disclosures, product approvals and contractual terms. The Bank may rely on approved brokers, custodians, investment firms and market infrastructures for order execution, settlement, custody, pricing, asset servicing, corporate actions, and reporting.

Investments may involve market, currency, liquidity, credit, counterparty, custody, operational, tax, legal and regulatory risks. Past performance does not guarantee future performance. The value of investments may increase or decrease, and customers may lose some or all of their invested capital.

10. Security of communications

The Bank will never request passwords, private keys or one-time authentication codes through an unsolicited email or message.

Ordinary email and website communications may not be fully secure. Do not send passwords, private keys, authentication codes or other sensitive security credentials through unsecured channels. Payment or account instructions will only be accepted through channels approved by the Bank and in accordance with the applicable customer agreement.

11. Contact

General enquiries: info@centruebank.com · Client support: support@centruebank.com · Legal enquiries: legal@centruebank.com