This Cookie Policy describes how KCB Group PLC (hereinafter (“KCB,” “We,” “Our,” “Ours,” and “Us,” means KCB Group PLC and includes its successors in title and assigns, its affiliates and/or its subsidiaries, as may from time to time be specified by KCB to you) use cookies, pixels, and similar technologies (together referred to as “Cookies”) on our Websites and Mobile Banking Applications (together referred to as "Websites"), and your choices in this regard. We store and/or access Cookies such as unique identifiers and standard information sent by a device for personalized ads and content, ad and content measurement, and audience insights, as well as to develop and improve products.

By using our Websites, you agree to our use of Cookies in accordance with this Policy. If you do not agree to our use of Cookies, please disable Cookies on your device (by navigating to "Managing Your Cookies Preferences" section on your browser settings).

  1. WHAT ARE COOKIES? Cookies are small text files which are stored on your computer, mobile or other device when you first visit a website, containing the details of your browsing history on that website. When you return to websites or visit websites that use the same Cookies, they recognize these Cookies and consequently your browsing device. Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from Cookies.

  2. WHAT WE USE COOKIES FOR We use Cookies for the following: • Helping users optimize their visit on our Websites by enabling the browser to remember information specific to a given user. • Recognize and count the number of visitors, as well as analyze how well our website is performing. • Remember your username and preferences. This makes it possible to match your preferred interests more quickly and make the content displayed more relevant to you. • Protect you from fraud and keep improving security. • Study how people use our Websites and our other services, so we can improve them. • Decide which of our products, services and offers may be relevant for you. • Tailor the marketing you see on social media, apps and other websites. • Other legitimate purposes.

We will not sell or distribute your Cookie information without your prior consent. If you are concerned about your data, you have the right to contact us. To learn more about how we handle Personal Data, see our Group Data Privacy Statement.

  1. WHAT INFORMATION OUR COOKIES COLLECT We gather non-personal information such as the Internet Protocol (IP) address of your computer, the date and time of your visit, the pages you browsed and whether the pages have been delivered successfully.

  2. TYPES OF COOKIES WE USE 4.1 Session Cookies These Cookies are created temporarily in your browser's subfolder while you are visiting a website. They expire and are automatically deleted when you close your internet browser. 4.2 Persistent Cookies Persistent Cookies remain in your browser’s subfolder and are activated again once you visit the website that created that particular Cookie. It does not expire when you close your browser and it remains in the browser’s subfolder for the duration period set within the Cookie’s file. 4.3 Performance Cookies These are Cookies used specifically for gathering data on how you use our website e.g., which pages of the website are visited most often, or if you get error messages on web pages. These cookies only monitor the performance of the website as the user interacts with it. They do not collect identifiable information on visitors, which means all the data collected is anonymous and only used to improve the functionality of a website. 4.4 Third-Party Cookies Third-Party Cookies are installed by some of our third parties with the aim of collecting certain information from web users to carry out research into, for example, behaviour, demographics or spending habits. 4.5 Functionality Cookies Functionality Cookies allows our Websites to remember the user's site preferences and choices they make on the site including username, region, and language. This allows the Website to provide personalized features or products if you share your location. They are anonymous and don’t track browsing activity across other websites.

  3. HOW TO MANAGE YOUR COOKIES PREFERENCES You can choose to block, delete or disable cookies as your browser or device permits. Please note that if you use your browser settings to block, delete or disable cookies some features and functionality on our website will be affected, or you may not be able to access some parts of the website. To enable or disable cookies, follow the instructions provided by your browser.

  4. CONTACT US If you have any questions about this Policy or the ways in which KCB handles Cookies as described in this Policy, please contact us by calling 0711 087000 or 0732 187000, texting SMS: 22522 or emailing [email protected] or [email protected].

Updated 28th January 2026