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data-v-9509ab83><!----><span class="custom-link" data-v-9509ab83><!--[--><h3 data-v-5c89e276>About us</h3><!--]--></span></a></li><!--[--><li data-v-5c89e276><!----><div class="second-level-link" data-element-position="undefined|1" data-element-hierarchy="About us|What we do" data-v-5c89e276 data-v-ce3f9ab7><button type="button" class="btn-mega-menu d-flex align-items-center justify-content-between text-left rounded-2 btn" aria-controls="what-we-do-submenu" aria-expanded="false" data-element-type="menu" data-element-label="What we do" data-v-ce3f9ab7><span data-v-ce3f9ab7>What we do</span><span class="primary-300 arrow-chevron-icon-wrapper align-middle text-nowrap" style="width:24px;height:24px;" aria-label="Open/Close menu" data-v-ce3f9ab7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m14.993 13.427-4.274 4.278a1.007 1.007 0 1 1-1.425-1.427L13.569 12 9.294 7.723a1.013 1.013 0 0 1 0-1.426 1.004 1.004 0 0 1 1.425 0l4.274 4.278.712.712a1.01 1.01 0 0 1 0 1.427z"/></svg></span><!----></button></div><div id="what-we-do-submenu" class="nested-content spx-2 px-md-3" style="" aria-hidden="true" data-v-5c89e276><div class="row-header mega-menu-tabpage justify-content-start d-none d-md-flex mb-3 pt-md-0" data-element-position="undefined|undefined|0" data-element-hierarchy="About us|What we do|View all" data-v-5c89e276 data-v-6063ccc9><h2 class="mb-0 white-color" data-v-6063ccc9>What we do</h2><!----></div><ul data-v-5c89e276><!----><!--[--><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/overview-of-our-network-and-collaborations" class="list d-flex white-color" data-element-label="Overview of our network and collaborations" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/overview-of-our-network-and-collaborations" data-element-position="undefined|undefined|1" data-element-hierarchy="About us|What we do|Overview of our network and collaborations" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Overview of our network and collaborations</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/procurement-and-suppliers" class="list d-flex white-color" data-element-label="Procurement and suppliers" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/procurement-and-suppliers" data-element-position="undefined|undefined|2" data-element-hierarchy="About us|What we do|Procurement and suppliers" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Procurement and suppliers</span></span><!----></a></li><!--]--></ul></div></li><li data-v-5c89e276><!----><div class="second-level-link" data-element-position="undefined|2" data-element-hierarchy="About us|Who we are" data-v-5c89e276 data-v-ce3f9ab7><button type="button" class="btn-mega-menu d-flex align-items-center justify-content-between text-left rounded-2 btn" aria-controls="who-we-are-submenu" aria-expanded="false" data-element-type="menu" data-element-label="Who we are" data-v-ce3f9ab7><span data-v-ce3f9ab7>Who we are</span><span class="primary-300 arrow-chevron-icon-wrapper align-middle text-nowrap" style="width:24px;height:24px;" aria-label="Open/Close menu" data-v-ce3f9ab7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m14.993 13.427-4.274 4.278a1.007 1.007 0 1 1-1.425-1.427L13.569 12 9.294 7.723a1.013 1.013 0 0 1 0-1.426 1.004 1.004 0 0 1 1.425 0l4.274 4.278.712.712a1.01 1.01 0 0 1 0 1.427z"/></svg></span><!----></button></div><div id="who-we-are-submenu" class="nested-content spx-2 px-md-3" style="" aria-hidden="true" data-v-5c89e276><div class="row-header mega-menu-tabpage justify-content-start d-none d-md-flex mb-3 pt-md-0" data-element-position="undefined|undefined|0" data-element-hierarchy="About us|Who we are|View all" data-v-5c89e276 data-v-6063ccc9><h2 class="mb-0 white-color" data-v-6063ccc9>Who we are</h2><!----></div><ul data-v-5c89e276><!----><!--[--><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/our-purpose-banking-for-better-for-generations-to-come" class="list d-flex white-color" data-element-label="Our purpose: Banking for better, for generations to come" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/our-purpose-banking-for-better-for-generations-to-come" data-element-position="undefined|undefined|1" data-element-hierarchy="About us|Who we are|Our purpose: Banking for better, for generations to come" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Our purpose: Banking for better, for generations to come</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/core-values-mould-our-culture" class="list d-flex white-color" data-element-label="Core values mould our culture" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/core-values-mould-our-culture" data-element-position="undefined|undefined|2" data-element-hierarchy="About us|Who we are|Core values mould our culture" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Core values mould our culture</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/executive-board" class="list d-flex white-color" data-element-label="Executive Board" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/executive-board" data-element-position="undefined|undefined|3" data-element-hierarchy="About us|Who we are|Executive Board" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Executive Board</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/our-locations" class="list d-flex white-color" data-element-label="Our locations" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/our-locations" data-element-position="undefined|undefined|4" data-element-hierarchy="About us|Who we are|Our locations" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Our locations</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/our-history" class="list d-flex white-color" data-element-label="Our history " data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/our-history" data-element-position="undefined|undefined|5" data-element-hierarchy="About us|Who we are|Our history " data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Our history </span></span><!----></a></li><!--]--></ul></div></li><li data-v-5c89e276><!----><div class="second-level-link" data-element-position="undefined|3" data-element-hierarchy="About us|In society" data-v-5c89e276 data-v-ce3f9ab7><button type="button" class="btn-mega-menu d-flex align-items-center justify-content-between text-left rounded-2 btn" aria-controls="in-society-submenu" aria-expanded="false" data-element-type="menu" data-element-label="In society" data-v-ce3f9ab7><span data-v-ce3f9ab7>In society</span><span class="primary-300 arrow-chevron-icon-wrapper align-middle text-nowrap" style="width:24px;height:24px;" aria-label="Open/Close menu" data-v-ce3f9ab7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m14.993 13.427-4.274 4.278a1.007 1.007 0 1 1-1.425-1.427L13.569 12 9.294 7.723a1.013 1.013 0 0 1 0-1.426 1.004 1.004 0 0 1 1.425 0l4.274 4.278.712.712a1.01 1.01 0 0 1 0 1.427z"/></svg></span><!----></button></div><div id="in-society-submenu" class="nested-content spx-2 px-md-3" style="" aria-hidden="true" data-v-5c89e276><div class="row-header mega-menu-tabpage justify-content-start d-none d-md-flex mb-3 pt-md-0" data-element-position="undefined|undefined|0" data-element-hierarchy="About us|In society|View all" data-v-5c89e276 data-v-6063ccc9><h2 class="mb-0 white-color" data-v-6063ccc9>In society</h2><!----></div><ul data-v-5c89e276><!----><!--[--><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/supporting-our-clients-transition-to-sustainability" class="list d-flex white-color" data-element-label="Sustainability" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/supporting-our-clients-transition-to-sustainability" data-element-position="undefined|undefined|1" data-element-hierarchy="About us|In society|Sustainability" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Sustainability</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/landing-page/innovation" class="list d-flex white-color" data-element-label="Innovation at ABN AMRO" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/landing-page/innovation" data-element-position="undefined|undefined|2" data-element-hierarchy="About us|In society|Innovation at ABN AMRO" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Innovation at ABN AMRO</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/detecting-financial-crime-and-money-laundering" class="list d-flex white-color" data-element-label="Detecting financial crime and money laundering" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/detecting-financial-crime-and-money-laundering" data-element-position="undefined|undefined|3" data-element-hierarchy="About us|In society|Detecting financial crime and money laundering" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Detecting financial crime and money laundering</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/differences-make-us-better-and-stronger" class="list d-flex white-color" data-element-label="Diversity and inclusion" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/differences-make-us-better-and-stronger" data-element-position="undefined|undefined|4" data-element-hierarchy="About us|In society|Diversity and inclusion" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Diversity and inclusion</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/landing-page/sponsorship" class="list d-flex white-color" data-element-label="Sponsorships for a sustainable, diverse and inclusive world" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/landing-page/sponsorship" data-element-position="undefined|undefined|5" data-element-hierarchy="About us|In society|Sponsorships for a sustainable, diverse and inclusive world" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Sponsorships for a sustainable, diverse and inclusive world</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/landing-page/abn-amro-foundation" class="list d-flex white-color" data-element-label="ABN AMRO Foundation" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/landing-page/abn-amro-foundation" data-element-position="undefined|undefined|6" data-element-hierarchy="About us|In society|ABN AMRO Foundation" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>ABN AMRO Foundation</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/art-and-history" class="list d-flex white-color" data-element-label="Art and history" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/art-and-history" data-element-position="undefined|undefined|7" data-element-hierarchy="About us|In society|Art and history" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Art and history</span></span><!----></a></li><!--]--></ul></div></li><li data-v-5c89e276><!----><div class="second-level-link" data-element-position="undefined|4" data-element-hierarchy="About us|Corporate Governance" data-v-5c89e276 data-v-ce3f9ab7><button type="button" class="btn-mega-menu d-flex align-items-center justify-content-between text-left rounded-2 btn" aria-controls="corporate-governance-submenu" aria-expanded="false" data-element-type="menu" data-element-label="Corporate Governance" data-v-ce3f9ab7><span data-v-ce3f9ab7>Corporate Governance</span><span class="primary-300 arrow-chevron-icon-wrapper align-middle text-nowrap" style="width:24px;height:24px;" aria-label="Open/Close menu" data-v-ce3f9ab7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m14.993 13.427-4.274 4.278a1.007 1.007 0 1 1-1.425-1.427L13.569 12 9.294 7.723a1.013 1.013 0 0 1 0-1.426 1.004 1.004 0 0 1 1.425 0l4.274 4.278.712.712a1.01 1.01 0 0 1 0 1.427z"/></svg></span><!----></button></div><div id="corporate-governance-submenu" class="nested-content spx-2 px-md-3" style="" aria-hidden="true" data-v-5c89e276><div class="row-header mega-menu-tabpage justify-content-start d-none d-md-flex mb-3 pt-md-0" data-element-position="undefined|undefined|0" data-element-hierarchy="About us|Corporate Governance|View all" data-v-5c89e276 data-v-6063ccc9><h2 class="mb-0 white-color" data-v-6063ccc9>Corporate Governance</h2><!----></div><ul data-v-5c89e276><!----><!--[--><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/supervisory-board" class="list d-flex white-color" data-element-label="Supervisory board" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/supervisory-board" data-element-position="undefined|undefined|1" data-element-hierarchy="About us|Corporate Governance|Supervisory board" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Supervisory board</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/executive-board" class="list d-flex white-color" data-element-label="Executive Board" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/executive-board" data-element-position="undefined|undefined|2" data-element-hierarchy="About us|Corporate Governance|Executive Board" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Executive Board</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/shareholder-structure" class="list d-flex white-color" data-element-label="Shareholder structure" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/shareholder-structure" data-element-position="undefined|undefined|3" data-element-hierarchy="About us|Corporate Governance|Shareholder structure" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Shareholder structure</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/regulators" class="list d-flex white-color" data-element-label="Regulators" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/regulators" data-element-position="undefined|undefined|4" data-element-hierarchy="About us|Corporate Governance|Regulators" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Regulators</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/governance-codes-and-regulations" class="list d-flex white-color" data-element-label="Governance Codes and regulations" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/governance-codes-and-regulations" data-element-position="undefined|undefined|5" data-element-hierarchy="About us|Corporate Governance|Governance Codes and regulations" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Governance Codes and regulations</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/compliance" class="list d-flex white-color" data-element-label="Compliance" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/compliance" data-element-position="undefined|undefined|6" data-element-hierarchy="About us|Corporate Governance|Compliance" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Compliance</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/regulatory-and-governance" class="list d-flex white-color" data-element-label="Regulatory and governance" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/regulatory-and-governance" data-element-position="undefined|undefined|7" data-element-hierarchy="About us|Corporate Governance|Regulatory and governance" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Regulatory and governance</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/abn-amros-fatca-crs-classifications" class="list d-flex white-color" data-element-label="ABN AMRO's FATCA / CRS classifications" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/abn-amros-fatca-crs-classifications" data-element-position="undefined|undefined|8" data-element-hierarchy="About us|Corporate Governance|ABN AMRO's FATCA / CRS classifications" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>ABN AMRO's FATCA / CRS classifications</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/risk-management" class="list d-flex white-color" data-element-label="Risk management" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/risk-management" data-element-position="undefined|undefined|9" data-element-hierarchy="About us|Corporate Governance|Risk management" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Risk management</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/remuneration" class="list d-flex white-color" data-element-label="Remuneration" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/remuneration" data-element-position="undefined|undefined|10" data-element-hierarchy="About us|Corporate Governance|Remuneration" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Remuneration</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/government-matters" class="list d-flex white-color" data-element-label="Government matters" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/government-matters" data-element-position="undefined|undefined|11" data-element-hierarchy="About us|Corporate Governance|Government matters" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Government matters</span></span><!----></a></li><!--]--></ul></div></li><li data-v-5c89e276><!----><div class="second-level-link" data-element-position="undefined|5" data-element-hierarchy="About us|Annual Report" data-v-5c89e276 data-v-ce3f9ab7><button type="button" class="btn-mega-menu d-flex align-items-center justify-content-between text-left rounded-2 btn" aria-controls="annual-report-submenu" aria-expanded="false" data-element-type="menu" data-element-label="Annual Report" data-v-ce3f9ab7><span data-v-ce3f9ab7>Annual Report</span><span class="primary-300 arrow-chevron-icon-wrapper align-middle text-nowrap" style="width:24px;height:24px;" aria-label="Open/Close menu" data-v-ce3f9ab7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m14.993 13.427-4.274 4.278a1.007 1.007 0 1 1-1.425-1.427L13.569 12 9.294 7.723a1.013 1.013 0 0 1 0-1.426 1.004 1.004 0 0 1 1.425 0l4.274 4.278.712.712a1.01 1.01 0 0 1 0 1.427z"/></svg></span><!----></button></div><div id="annual-report-submenu" class="nested-content spx-2 px-md-3" style="" aria-hidden="true" data-v-5c89e276><div class="row-header mega-menu-tabpage justify-content-start d-none d-md-flex mb-3 pt-md-0" data-element-position="undefined|undefined|0" data-element-hierarchy="About us|Annual Report|View all" data-v-5c89e276 data-v-6063ccc9><h2 class="mb-0 white-color" data-v-6063ccc9>Annual Report</h2><!----></div><ul data-v-5c89e276><!----><!--[--><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/download-centre" class="list d-flex white-color" data-element-label="Download Centre" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/download-centre" data-element-position="undefined|undefined|1" data-element-hierarchy="About us|Annual Report|Download Centre" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Download Centre</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/annual-report-archive%20" class="list d-flex white-color" data-element-label="Annual Report archive" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/annual-report-archive " data-element-position="undefined|undefined|2" data-element-hierarchy="About us|Annual Report|Annual Report archive" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Annual Report archive</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/interview-with-our-chief-executive-officer" class="list d-flex white-color" data-element-label="Interview with our Chief Executive Officer" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/interview-with-our-chief-executive-officer" data-element-position="undefined|undefined|3" data-element-hierarchy="About us|Annual Report|Interview with our Chief Executive Officer" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Interview with our Chief Executive Officer</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/interview-with-our-supervisory-board-chairman" class="list d-flex white-color" data-element-label="Interview with our Supervisory Board Chairman" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/interview-with-our-supervisory-board-chairman" data-element-position="undefined|undefined|4" data-element-hierarchy="About us|Annual Report|Interview with our Supervisory Board Chairman" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Interview with our Supervisory Board Chairman</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/interview-with-our-chief-financial-officer" class="list d-flex white-color" data-element-label="Interview with our Chief Financial Officer" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/interview-with-our-chief-financial-officer" data-element-position="undefined|undefined|5" data-element-hierarchy="About us|Annual Report|Interview with our Chief Financial Officer" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Interview with our Chief Financial Officer</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/interview-with-our-chief-risk-officer" class="list d-flex white-color" data-element-label="Interview with our Chief Risk Officer" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/interview-with-our-chief-risk-officer" data-element-position="undefined|undefined|6" data-element-hierarchy="About us|Annual Report|Interview with our Chief Risk Officer" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Interview with our Chief Risk Officer</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/interview-with-klaas-van-lookeren-campagne-ceo-of-hotel-business-citizenm" class="list d-flex white-color" data-element-label="Interview with Klaas van Lookeren Campagne, CEO of hotel business citizenM" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/interview-with-klaas-van-lookeren-campagne-ceo-of-hotel-business-citizenm" data-element-position="undefined|undefined|7" data-element-hierarchy="About us|Annual Report|Interview with Klaas van Lookeren Campagne, CEO of hotel business citizenM" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Interview with Klaas van Lookeren Campagne, CEO of hotel business citizenM</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/interview-with-henning-gieseke-cfo-of-stroeer-group-germany" class="list d-flex white-color" data-element-label="Interview with Henning Gieseke CFO of Ströer Group, Germany" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/interview-with-henning-gieseke-cfo-of-stroeer-group-germany" data-element-position="undefined|undefined|8" data-element-hierarchy="About us|Annual Report|Interview with Henning Gieseke CFO of Ströer Group, Germany" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Interview with Henning Gieseke CFO of Ströer Group, Germany</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/interview-with-marjette-soeteman-personal-banking-client" class="list d-flex white-color" data-element-label="Interview with Marjette Soeteman, Personal Banking client" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/interview-with-marjette-soeteman-personal-banking-client" data-element-position="undefined|undefined|9" data-element-hierarchy="About us|Annual Report|Interview with Marjette Soeteman, Personal Banking client" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Interview with Marjette Soeteman, Personal Banking client</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/about-abn-amro/information/our-operating-environment" class="list d-flex white-color" data-element-label="Our operating environment" data-element-type="menu" data-element-target="https://www.abnamro.com/en/about-abn-amro/information/our-operating-environment" data-element-position="undefined|undefined|10" data-element-hierarchy="About us|Annual Report|Our operating environment" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Our operating environment</span></span><!----></a></li><!--]--></ul></div></li><!--]--></ul></div></div></div></div></li><li class="navigation-item" data-element-position="2" data-element-hierarchy="News" data-v-fa88a885><a href="/en/overview/news" class="custom section-link d-flex align-items-center text-nowrap" data-element-label="News" data-element-type="menu" data-element-target="https://www.abnamro.com/en/overview/news" data-v-fa88a885 data-v-9509ab83><!----><span class="custom-link" data-v-9509ab83><!--[-->News<!--]--></span></a><!----><!----></li><li class="navigation-item" data-element-position="3" data-element-hierarchy="Investor Relations" data-v-fa88a885><!----><div class="section-button d-flex align-items-center text-nowrap" data-v-fa88a885 data-v-ce3f9ab7><button type="button" class="btn-header rounded-2 btn" aria-controls="investor-relations-menu" aria-expanded="false" data-element-type="menu" data-element-label="Investor Relations" data-element-hierarchy="Investor Relations" data-v-ce3f9ab7><span data-v-ce3f9ab7>Investor Relations</span><!----><span class="primary-300 arrow-chevron-icon-wrapper align-middle text-nowrap" style="width:24px;height:24px;" aria-label="Open/Close menu" data-v-ce3f9ab7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></button></div><div class="animate mega-menu-container position-absolute" data-component-type="site-nav" data-v-fa88a885><div class="container" data-v-fa88a885><span class="close-button mr-2 mr-md-0" tabindex="0" role="button" aria-label="Close menu" data-element-type="close" data-element-label="close" data-v-fa88a885><span class="primary-300 close-icon-wrapper d-block" style="width:24px;height:24px;" data-v-fa88a885 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m11.95 10.536 4.243-4.243a1 1 0 1 1 1.414 1.414l-4.243 4.243 4.243 4.243a1 1 0 1 1-1.414 1.414l-4.243-4.243-4.243 4.243a1 1 0 1 1-1.414-1.414l4.243-4.243-4.243-4.243a1 1 0 1 1 1.414-1.414z"/></svg></span></span><div id="investor-relations-menu" class="mega-menu-wrapper" style="height:;" aria-hidden="true" data-v-fa88a885 data-v-5c89e276><div class="mega-menu py-5" data-v-5c89e276><ul class="tabpages p-0" data-v-5c89e276><li data-v-5c89e276><a href="/en/investor-relations" class="custom section-link" data-element-label="Investor Relations" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations" data-element-position="undefined|0" data-element-hierarchy="Investor Relations|Investor Relations" data-v-5c89e276 data-v-9509ab83><!----><span class="custom-link" data-v-9509ab83><!--[--><h3 data-v-5c89e276>Investor Relations</h3><!--]--></span></a></li><!--[--><li data-v-5c89e276><!----><div class="second-level-link" data-element-position="undefined|1" data-element-hierarchy="Investor Relations|Financial Disclosures" data-v-5c89e276 data-v-ce3f9ab7><button type="button" class="btn-mega-menu d-flex align-items-center justify-content-between text-left rounded-2 btn" aria-controls="financial-disclosures-submenu" aria-expanded="false" data-element-type="menu" data-element-label="Financial Disclosures" data-v-ce3f9ab7><span data-v-ce3f9ab7>Financial Disclosures</span><span class="primary-300 arrow-chevron-icon-wrapper align-middle text-nowrap" style="width:24px;height:24px;" aria-label="Open/Close menu" data-v-ce3f9ab7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m14.993 13.427-4.274 4.278a1.007 1.007 0 1 1-1.425-1.427L13.569 12 9.294 7.723a1.013 1.013 0 0 1 0-1.426 1.004 1.004 0 0 1 1.425 0l4.274 4.278.712.712a1.01 1.01 0 0 1 0 1.427z"/></svg></span><!----></button></div><div id="financial-disclosures-submenu" class="nested-content spx-2 px-md-3" style="" aria-hidden="true" data-v-5c89e276><div class="row-header mega-menu-tabpage justify-content-start d-none d-md-flex mb-3 pt-md-0" data-element-position="undefined|undefined|0" data-element-hierarchy="Investor Relations|Financial Disclosures|View all" data-v-5c89e276 data-v-6063ccc9><h2 class="mb-0 white-color" data-v-6063ccc9>Financial Disclosures</h2><!----></div><ul data-v-5c89e276><!----><!--[--><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/all-financial-reports" class="list d-flex white-color" data-element-label="All Financial Reports" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/all-financial-reports" data-element-position="undefined|undefined|1" data-element-hierarchy="Investor Relations|Financial Disclosures|All Financial Reports" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>All Financial Reports</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/conferences-and-presentations" class="list d-flex white-color" data-element-label="Conferences" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/conferences-and-presentations" data-element-position="undefined|undefined|2" data-element-hierarchy="Investor Relations|Financial Disclosures|Conferences" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Conferences</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/investor-days-and-corporate-events" class="list d-flex white-color" data-element-label="Investor Days and Corporate Events" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/investor-days-and-corporate-events" data-element-position="undefined|undefined|3" data-element-hierarchy="Investor Relations|Financial Disclosures|Investor Days and Corporate Events" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Investor Days and Corporate Events</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/disclaimer-information-regarding-the-ipo" class="list d-flex white-color" data-element-label="Disclaimer Information regarding the IPO" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/disclaimer-information-regarding-the-ipo" data-element-position="undefined|undefined|4" data-element-hierarchy="Investor Relations|Financial Disclosures|Disclaimer Information regarding the IPO" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Disclaimer Information regarding the IPO</span></span><!----></a></li><!--]--></ul></div></li><li data-v-5c89e276><!----><div class="second-level-link" data-element-position="undefined|2" data-element-hierarchy="Investor Relations|Shareholders" data-v-5c89e276 data-v-ce3f9ab7><button type="button" class="btn-mega-menu d-flex align-items-center justify-content-between text-left rounded-2 btn" aria-controls="shareholders-submenu" aria-expanded="false" data-element-type="menu" data-element-label="Shareholders" data-v-ce3f9ab7><span data-v-ce3f9ab7>Shareholders</span><span class="primary-300 arrow-chevron-icon-wrapper align-middle text-nowrap" style="width:24px;height:24px;" aria-label="Open/Close menu" data-v-ce3f9ab7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m14.993 13.427-4.274 4.278a1.007 1.007 0 1 1-1.425-1.427L13.569 12 9.294 7.723a1.013 1.013 0 0 1 0-1.426 1.004 1.004 0 0 1 1.425 0l4.274 4.278.712.712a1.01 1.01 0 0 1 0 1.427z"/></svg></span><!----></button></div><div id="shareholders-submenu" class="nested-content spx-2 px-md-3" style="" aria-hidden="true" data-v-5c89e276><div class="row-header mega-menu-tabpage justify-content-start d-none d-md-flex mb-3 pt-md-0" data-element-position="undefined|undefined|0" data-element-hierarchy="Investor Relations|Shareholders|View all" data-v-5c89e276 data-v-6063ccc9><h2 class="mb-0 white-color" data-v-6063ccc9>Shareholders</h2><!----></div><ul data-v-5c89e276><!----><!--[--><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/general-meeting" class="list d-flex white-color" data-element-label="General Meeting" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/general-meeting" data-element-position="undefined|undefined|1" data-element-hierarchy="Investor Relations|Shareholders|General Meeting" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>General Meeting</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/share-buyback-programme" class="list d-flex white-color" data-element-label="Share buyback programmes" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/share-buyback-programme" data-element-position="undefined|undefined|2" data-element-hierarchy="Investor Relations|Shareholders|Share buyback programmes" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Share buyback programmes</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/dividend-policy-and-payments" class="list d-flex white-color" data-element-label="Dividend Policy and Payments" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/dividend-policy-and-payments" data-element-position="undefined|undefined|3" data-element-hierarchy="Investor Relations|Shareholders|Dividend Policy and Payments" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Dividend Policy and Payments</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/equity-analyst-coverage" class="list d-flex white-color" data-element-label="Equity Analyst Coverage" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/equity-analyst-coverage" data-element-position="undefined|undefined|4" data-element-hierarchy="Investor Relations|Shareholders|Equity Analyst Coverage" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Equity Analyst Coverage</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/investor-days-and-corporate-events" class="list d-flex white-color" data-element-label="Investor Days and Corporate Events" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/investor-days-and-corporate-events" data-element-position="undefined|undefined|5" data-element-hierarchy="Investor Relations|Shareholders|Investor Days and Corporate Events" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Investor Days and Corporate Events</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/convocation-extraordinary-general-meeting-2024" class="list d-flex white-color" data-element-label="Convocation Extraordinary General Meeting 2024" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/convocation-extraordinary-general-meeting-2024" data-element-position="undefined|undefined|6" data-element-hierarchy="Investor Relations|Shareholders|Convocation Extraordinary General Meeting 2024" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Convocation Extraordinary General Meeting 2024</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/convocation-annual-general-meeting-2024" class="list d-flex white-color" data-element-label="Convocation Annual General Meeting 2024 " data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/convocation-annual-general-meeting-2024" data-element-position="undefined|undefined|7" data-element-hierarchy="Investor Relations|Shareholders|Convocation Annual General Meeting 2024 " data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Convocation Annual General Meeting 2024 </span></span><!----></a></li><!--]--></ul></div></li><li data-v-5c89e276><!----><div class="second-level-link" data-element-position="undefined|3" data-element-hierarchy="Investor Relations|Bondholders" data-v-5c89e276 data-v-ce3f9ab7><button type="button" class="btn-mega-menu d-flex align-items-center justify-content-between text-left rounded-2 btn" aria-controls="bondholders-submenu" aria-expanded="false" data-element-type="menu" data-element-label="Bondholders" data-v-ce3f9ab7><span data-v-ce3f9ab7>Bondholders</span><span class="primary-300 arrow-chevron-icon-wrapper align-middle text-nowrap" style="width:24px;height:24px;" aria-label="Open/Close menu" data-v-ce3f9ab7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m14.993 13.427-4.274 4.278a1.007 1.007 0 1 1-1.425-1.427L13.569 12 9.294 7.723a1.013 1.013 0 0 1 0-1.426 1.004 1.004 0 0 1 1.425 0l4.274 4.278.712.712a1.01 1.01 0 0 1 0 1.427z"/></svg></span><!----></button></div><div id="bondholders-submenu" class="nested-content spx-2 px-md-3" style="" aria-hidden="true" data-v-5c89e276><div class="row-header mega-menu-tabpage justify-content-start d-none d-md-flex mb-3 pt-md-0" data-element-position="undefined|undefined|0" data-element-hierarchy="Investor Relations|Bondholders|View all" data-v-5c89e276 data-v-6063ccc9><h2 class="mb-0 white-color" data-v-6063ccc9>Bondholders</h2><!----></div><ul data-v-5c89e276><!----><!--[--><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/esg-bonds" class="list d-flex white-color" data-element-label="ESG-Bonds" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/esg-bonds" data-element-position="undefined|undefined|1" data-element-hierarchy="Investor Relations|Bondholders|ESG-Bonds" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>ESG-Bonds</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/covered-bonds" class="list d-flex white-color" data-element-label="Covered Bonds" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/covered-bonds" data-element-position="undefined|undefined|2" data-element-hierarchy="Investor Relations|Bondholders|Covered Bonds" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Covered Bonds</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/senior-preferred-bonds" class="list d-flex white-color" data-element-label="Senior Preferred Bonds" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/senior-preferred-bonds" data-element-position="undefined|undefined|3" data-element-hierarchy="Investor Relations|Bondholders|Senior Preferred Bonds" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Senior Preferred Bonds</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/subordinated-and-capital-securities" class="list d-flex white-color" data-element-label="Subordinated and Capital Securities" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/subordinated-and-capital-securities" data-element-position="undefined|undefined|4" data-element-hierarchy="Investor Relations|Bondholders|Subordinated and Capital Securities" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Subordinated and Capital Securities</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/structured-products" class="list d-flex white-color" data-element-label="Structured Products" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/structured-products" data-element-position="undefined|undefined|5" data-element-hierarchy="Investor Relations|Bondholders|Structured Products" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Structured Products</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/programme-documentation" class="list d-flex white-color" data-element-label="Programme Documentation" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/programme-documentation" data-element-position="undefined|undefined|6" data-element-hierarchy="Investor Relations|Bondholders|Programme Documentation" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Programme Documentation</span></span><!----></a></li><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/disclaimer-ir" class="list d-flex white-color" data-element-label="Disclaimer" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/disclaimer-ir" data-element-position="undefined|undefined|7" data-element-hierarchy="Investor Relations|Bondholders|Disclaimer" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Disclaimer</span></span><!----></a></li><!--]--></ul></div></li><li data-v-5c89e276><!----><div class="second-level-link" data-element-position="undefined|4" data-element-hierarchy="Investor Relations|Credit Ratings" data-v-5c89e276 data-v-ce3f9ab7><button type="button" class="btn-mega-menu d-flex align-items-center justify-content-between text-left rounded-2 btn" aria-controls="credit-ratings-submenu" aria-expanded="false" data-element-type="menu" data-element-label="Credit Ratings" data-v-ce3f9ab7><span data-v-ce3f9ab7>Credit Ratings</span><span class="primary-300 arrow-chevron-icon-wrapper align-middle text-nowrap" style="width:24px;height:24px;" aria-label="Open/Close menu" data-v-ce3f9ab7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m14.993 13.427-4.274 4.278a1.007 1.007 0 1 1-1.425-1.427L13.569 12 9.294 7.723a1.013 1.013 0 0 1 0-1.426 1.004 1.004 0 0 1 1.425 0l4.274 4.278.712.712a1.01 1.01 0 0 1 0 1.427z"/></svg></span><!----></button></div><div id="credit-ratings-submenu" class="nested-content spx-2 px-md-3" style="" aria-hidden="true" data-v-5c89e276><div class="row-header mega-menu-tabpage justify-content-start d-none d-md-flex mb-3 pt-md-0" data-element-position="undefined|undefined|0" data-element-hierarchy="Investor Relations|Credit Ratings|View all" data-v-5c89e276 data-v-6063ccc9><h2 class="mb-0 white-color" data-v-6063ccc9>Credit Ratings</h2><!----></div><ul data-v-5c89e276><!----><!--[--><li class="sublink p-1 px-md-0" data-v-5c89e276><a href="/en/investor-relations/information/credit-rating-archive" class="list d-flex white-color" data-element-label="Credit Rating Archive" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/information/credit-rating-archive" data-element-position="undefined|undefined|1" data-element-hierarchy="Investor Relations|Credit Ratings|Credit Rating Archive" data-v-5c89e276 data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list" data-v-9509ab83><span class="white-color list sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M18.707 11.304 14.414 7.01A1 1 0 0 0 13 8.425l2.586 2.586H6a1 1 0 1 0 0 2h9.586L13 15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Credit Rating Archive</span></span><!----></a></li><!--]--></ul></div></li><li data-v-5c89e276><!----><div class="second-level-link" data-element-position="undefined|5" data-element-hierarchy="Investor Relations|Financial Calendar" data-v-5c89e276 data-v-ce3f9ab7><button type="button" class="btn-mega-menu d-flex align-items-center justify-content-between text-left rounded-2 btn" aria-controls="financial-calendar-submenu" aria-expanded="false" data-element-type="menu" data-element-label="Financial Calendar" data-v-ce3f9ab7><span 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15.597a1 1 0 0 0 1.414 1.414l4.293-4.293a1 1 0 0 0 0-1.414"/></svg></span></span><span data-v-9509ab83>Financial Calendar Archive</span></span><!----></a></li><!--]--></ul></div></li><li data-v-5c89e276><a href="/en/investor-relations/contact-ir" class="custom white-color second-level-link d-flex justify-content-between p-2" data-element-label="Contact" data-element-type="menu" data-element-target="https://www.abnamro.com/en/investor-relations/contact-ir" data-element-position="undefined|6" data-element-hierarchy="Investor Relations|Contact" data-v-5c89e276 data-v-9509ab83><!----><span class="custom-link" data-v-9509ab83><!--[--><span data-v-5c89e276>Contact</span><!--]--></span></a><!----><div id="contact-submenu" class="nested-content spx-2 px-md-3" style="" aria-hidden="true" data-v-5c89e276><div class="row-header mega-menu-tabpage justify-content-start d-none d-md-flex mb-3 pt-md-0" data-element-position="undefined|undefined|0" data-element-hierarchy="Investor 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data-v-fa88a885></div></nav></header><div class="main-content-wrapper d-flex flex-column" data-v-04074b08><!--[--><!--[--><!----><main class="container"><div class="information mt-3 mb-6"><section class="row"><div class="col-md-8"><nav class="breadcrumb-wrapper d-flex mb-3" aria-label="Breadcrumbs" data-v-7f6477eb><!--[--><!--[--><!--[--><a href="/en/home" class="single d-flex" data-element-label="Home" data-element-type="breadcrumb" data-element-target="https://www.abnamro.com/en/home" data-v-7f6477eb data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center flex-row-reverse" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center single" data-v-9509ab83><span class="single sy-icon-wrapper mr-1" style="width:24px;height:24px;" aria-label data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m14.993 13.427-4.274 4.278a1.007 1.007 0 1 1-1.425-1.427L13.569 12 9.294 7.723a1.013 1.013 0 0 1 0-1.426 1.004 1.004 0 0 1 1.425 0l4.274 4.278.712.712a1.01 1.01 0 0 1 0 1.427z"/></svg></span></span><span data-v-9509ab83>Home</span></span><!----></a><!--]--><!--]--><!--[--><!--[--><span class="" data-v-7f6477eb>Privacy Statement</span><!--]--><!--]--><!--]--></nav><!----><!----><h1 class="mb-2">Privacy Statement</h1><div><div class="main-media"><div><figure class="m-0 d-sm-none" data-v-512bcea6><!----><img src="https://images.ctfassets.net/1u811bvgvthc/49ZcP88ub56xF1G9ITggOb/df8325584d405f088875e6a425b8e0b7/shutterstock_1654530349__1_.jpg?fm=jpg&fl=progressive" alt="" class="" data-v-512bcea6><!----></figure><figure class="m-0 d-none d-sm-block" data-v-512bcea6><!----><img src="https://images.ctfassets.net/1u811bvgvthc/49ZcP88ub56xF1G9ITggOb/df8325584d405f088875e6a425b8e0b7/shutterstock_1654530349__1_.jpg?fm=jpg&fl=progressive" alt="" class="" data-v-512bcea6><!----></figure></div><!----></div></div><div class="p-0 mb-3 mt-3"><div class="d-flex 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data-v-b584c1ad>Share</span></div><div id="share-block" style="display:none;" class="share-block position-absolute px-2 pt-1 pb-2 shadow-dropdown" data-component-type="share-button-wrapper" data-list-group-title="social shares dropdown" data-v-b584c1ad><div class="share-block-header d-flex justify-content-between" data-v-b584c1ad><div class="mb-1" data-v-b584c1ad><span data-v-b584c1ad>Share via</span></div><span class="primary-300" style="width:24px;height:24px;" tabindex="0" role="button" aria-label="Close share via" data-element-type="close" data-element-label="close" data-v-b584c1ad data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m11.95 10.536 4.243-4.243a1 1 0 1 1 1.414 1.414l-4.243 4.243 4.243 4.243a1 1 0 1 1-1.414 1.414l-4.243-4.243-4.243 4.243a1 1 0 1 1-1.414-1.414l4.243-4.243-4.243-4.243a1 1 0 1 1 1.414-1.414z"/></svg></span></div><div data-v-b584c1ad data-v-25f17b62><!----><ul class="d-flex p-0 list-style 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class="mr-0 mr-4" data-v-25f17b62><a href="mailto:?subject=Privacy Statement&body=https://www.abnamro.com/en/home/information/privacy-statement" rel="noopener noreferrer" target="_blank" class="custom" aria-label="Share via Mail" data-element-label="Mail" data-element-type="textlink" data-element-target="mailto:?subject=Privacy Statement&body=https://www.abnamro.com/en/home/information/privacy-statement" data-element-action="mail" data-v-25f17b62 data-v-9509ab83><!----><span class="custom-link" data-v-9509ab83><!--[--><div class="d-flex align-items-center" data-v-25f17b62><img 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alt="Share via Mail" data-v-25f17b62><span data-v-25f17b62>Mail</span></div><!--]--></span></a></li><!--]--></ul></div></div></div></div></div><div class="p-0 mb-4"><p class="text-intro">This Privacy Statement sets out how we handle your personal data. You can be confident that we handle your personal data with due care.</p></div></div></section><section><div class="row"><!--[--><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>In the case of some of the bank's apps or websites, the use of your personal data may differ from that described in this general Privacy Statement. In such cases, a different privacy statement is provided in the app or additional information is given in the specific online service. We want you to be are aware of this so that you can avoid unwelcome surprises. </span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><h2 class=""><!--[--><span class=""><span data-v-57e5f677>Who is this Privacy Statement intended for?</span></span><!--]--></h2></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>Are you a client of ours or have you shown an interest in a specific product, for example by making an application? If so, we use your personal data and this privacy statement applies to you. If you visit our website or use one of our apps, we will also use your personal data in those situations.</span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>It can also happen that we process personal data relating to individuals who do not have a contract with us, for example when we record and use personal data relating to contact persons at companies to which we provide services, shareholders of these companies, or ultimate beneficial owners (UBOs) of these companies. We may also process personal data relating to individuals who, for example, act as guarantors for our clients. </span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>To enable payments to be made, we process personal data relating to individuals with whom we do not have a contract. Examples of such personal data include the details of someone to whom you transfer money and whose account is with another bank. </span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>If you are one of these people, then this privacy statement is intended for you too. </span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><h2 class=""><!--[--><span class=""><span data-v-57e5f677>Our contact person for your questions about data protection</span></span><!--]--></h2></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>We have a designated Data Protection Officer. If you have any questions about this privacy statement, please send an email to </span></span><span class="d-inline-block"><!--[--><span><span><a href="mailto:privacy.office@nl.abnamro.com" rel="noopener noreferrer" target="_blank" class="inline d-flex" aria-label="External link - privacy.office@nl.abnamro.com" data-element-label="privacy.office@nl.abnamro.com" data-element-type="textlink" data-element-target="mailto:privacy.office@nl.abnamro.com" data-element-action="exit" data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center inline external" data-v-9509ab83><span class="inline sy-icon-wrapper" style="width:24px;height:24px;" aria-label="External link icon" data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M14.028 4h4.98a.99.99 0 0 1 .994.993v4.98a1.023 1.023 0 0 1-1.4.926.99.99 0 0 1-.612-.919V7.423l-4.283 4.288a1 1 0 0 1-1.414-1.415l4.283-4.284H14.02a.986.986 0 0 1-.992-.992 1.02 1.02 0 0 1 1-1.02m3.265 10.293A1 1 0 0 1 19 15v2a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2V7a2 2 0 0 1 2-2h2a1 1 0 0 1 0 2H7.5a.5.5 0 0 0-.5.5v9a.5.5 0 0 0 .5.5h9a.5.5 0 0 0 .5-.5V15a1 1 0 0 1 .293-.707" clip-rule="evenodd"/></svg></span></span><span data-v-9509ab83>privacy.office@nl.abnamro.com</span></span><!----></a></span></span><!--]--></span><span class=""><span data-v-57e5f677>. </span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><h2 class=""><!--[--><span class=""><span data-v-57e5f677>Who is responsible for your personal data?</span></span><!--]--></h2></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>The controller of your personal data is: ABN AMRO Bank N.V. </span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><div class="embedded-entry-block" data-v-bd46b425><!----><!----><!----><!----><!----><!----><!----><!----><!----><div class="product-list mx-auto d-flex flex-column" data-v-bd46b425 data-v-e0962386><div class="text-container mb-1" data-v-e0962386><h2 data-v-e0962386>Privacy Statement</h2><!----></div><div class="items-wrapper" data-v-e0962386><div class="text-container" data-v-e0962386><!--[--><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-0" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>1. What is personal data </p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-0" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Personal data is information that says something about you. The best known forms of personal data are your name, address, email address, age and date of birth.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Personal data also includes your bank account number, your phone number, your IP address and your national identification number. There are several special categories of personal data. These include data concerning your health. Another special category concerns biometric data, such as facial recognition or your fingerprint when you log on to the Mobile Banking app. We may only use this personal data if this is permitted by law or if you give your consent for this. In all other situations, we are prohibited from using this personal data.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Personal data relating to you that we obtained from others</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Imagine that your partner applies for a loan in both your names. In that case, we may use the data concerning you that we ask for. We may also decide to use personal data obtained from other sources, such as: </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ul class="p-0 mb-0 ml-3 mt-0" data-v-449fd9f8><!--[--><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>public registers that contain your personal data, such as the National Credit Register;</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>public sources such as newspapers, the internet and public sections of social media accounts; </span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>data files from other parties that have collected personal data about you, such as external marketing firms or credit agencies. </span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ul></div><div class="col-lg-12 d-none" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677></span></span><!--]--></p></div><!--]--></div><!----></div></div></div><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-1" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>2. On what legal ground do we process personal data</p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-1" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Obviously, we may not request or use your personal data without good reason. By law, we are permitted to do this only if 'the processing has a basis'.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>This means that we may only use your personal data for one or more of the following reasons: </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Contract</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We need your personal data to conclude a contract, for example if you want to open an account with us or take out a mortgage. </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Are you the representative of your company and has your company concluded, or does it want to conclude, a contract with us? Or are you the contact person, shareholder, managing director or ultimate beneficial owner (UBO) of this company or one of our corporate clients? If so, we use your personal data for other reasons than the performance of the contract. We also do this if you are merely the payee of a payment made by one of our clients.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Legal obligation</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>The law lays down many rules that we have to comply with as a bank. These rules state that we have to record your personal data and occasionally provide it to others. The following are just some examples of the legal obligations we have to comply with: </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ul class="p-0 mb-0 ml-3 mt-0" data-v-449fd9f8><!--[--><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>Under the Dutch Financial Supervision Act (Wet op het financieel toezicht - Wft), we have a statutory duty of care. This means that we must assess your financial situation as accurately as we can. We can then take account of any changes you have to deal with.</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We have to take steps to prevent and combat fraud, tax evasion, terrorist financing and money laundering. These include asking you to prove your identity so that we know who you are. This is why we keep a copy of your identity document.</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We have legal obligations under the Dutch Bankruptcy Act (Faillissementswet) and under other laws that require us to keep your personal data, such as the Dutch Civil Code or specific provisions of the Dutch Anti-Money Laundering and Anti-Terrorist Financing Act (Wet ter voorkoming van witwassen en financieren van terrorisme - Wwft).</span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ul></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Other organisations may occasionally ask banks to provide personal data. These organisations include the Dutch Tax and Customs Administration, the judicial authorities (financial fraud) and intelligence agencies (terrorism). In addition, banks are sometimes required to share personal data with supervisory authorities, such as the Netherlands Authority for the Financial Markets (AFM), the Dutch Central Bank (DNB) and the European Central Bank (ECB), for instance when they carry out research into business processes or specific clients or groups of clients. </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>If the law or a supervisory authority stipulates that we must record or use your personal data, we are required to do this. In that case, it does not matter whether you are a client of ours or not. For example, every bank must check whether clients, and the representatives of clients (including corporate clients), are genuinely who they say they are. In addition, banks must keep a photocopy of an identity document for each of their clients. This means that we are not required to establish your identity if we only use your personal data because you are the payee of a payment made by one of our clients. Your personal data may, however, be used in fraud prevention activities such as transaction monitoring, or if we record your personal data in incident logs [see 'Warning system used by banks'].</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Legitimate interest of the bank or others</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We also have the right to use your personal data if we have a legitimate interest in doing so. In that case, we must be able to demonstrate that our interest in using your personal data outweighs your right to data protection. We therefore balance all the interests. We explain the situations in which this happens using a few examples:</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ul class="p-0 mb-0 ml-3 mt-0" data-v-449fd9f8><!--[--><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We protect property and personal data belonging to you, to us and to others.</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We protect our own financial position (so that we can assess whether you are able to repay your loan, for example), your interests and the interests of other clients (in the event of a bankruptcy, for example). </span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We carry out fraud detection activities so that clients and ABN AMRO do not suffer losses as a result of fraud. In this context, we keep the financial transaction history of the payer and the payee.</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We keep you up-to-date on product changes and send you tips, offers and other relevant news by means of direct marketing.</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We aim to keep efficient records. We centralise our banking systems, make use of other service providers, and conduct statistical and scientific research. </span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ul></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Someone else may also have a legitimate interest. For example, someone may accidentally transfer money to your bank account. In that case, we may, under certain conditions, provide your personal data to the person who issued the payment instruction. That person can then ask you to pay the money back. </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Even if you do not have a contract with us, we may still use your personal data either because this is necessary to ensure compliance with the law or on the basis of a legitimate interest. We will of course first check whether this is the case, for instance if your personal data is used for security purposes or for marketing purposes. </span></span><!--]--></p></div><!--]--></div><!----></div></div></div><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-2" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>3. What do we use your personal data for</p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-2" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>We use your personal data to help make our operations and our services as effective, reliable and efficient as possible. Purposes</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>This is done for the following six purposes:</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ol class="mb-0 ml-0 p-0 mt-0" data-v-13826788><!--[--><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span class="bold" data-v-57e5f677>Contract</span></span><span class=""><span data-v-57e5f677>: To be able to enter into contracts with you and perform these contracts. If we do not have your personal data, we cannot offer you a current account or transfer money from or to your account for you, for example.</span></span><!--]--></p></div></div><!--]--></div></li><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span class="bold" data-v-57e5f677>Research</span></span><span class=""><span data-v-57e5f677>: We study possible trends, problems, root causes of errors and risks, for instance to check whether new rules are properly complied with. This helps us prevent complaints and losses. It also allows us to intervene or issue a warning in time, for example if you are no longer able to repay your debts.</span></span><!--]--></p></div></div><!--]--></div></li><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span class="bold" data-v-57e5f677>Better or new products and services:</span></span><span class=""><span data-v-57e5f677> Do our products still meet your wishes and expectations? We carry out research in this area, using your personal data. We study trends and use personal data with the aim of analysing and continuing to develop our products and services. </span></span><!--]--></p></div></div><!--]--></div></li><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span class="bold" data-v-57e5f677>Marketing:</span></span><span class=""><span data-v-57e5f677> You receive offers and news that is appropriate for you. That is why you receive as little advertising as possible for products you are probably not interested in or already have. In this context, we use personal data that we received from you, for instance because you requested information in the past or because you are already a client of ours. In this context, we may also use personal data that we received from other parties.</span></span><!--]--></p></div></div><!--]--></div></li><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span class="bold" data-v-57e5f677>Security and the integrity of our bank and our sector: </span></span><span class=""><span data-v-57e5f677>We are required to guarantee the security and integrity of the financial sector. We may therefore use your personal data to prevent or combat attempted or actual criminal or undesirable acts, such as fraud or terrorism. This enables us to guarantee the security and integrity of the financial sector, our organisation, our employees and you, as the client. We may also use your personal data for warning systems.</span></span><!--]--></p></div></div><!--]--></div></li><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span class="bold" data-v-57e5f677>Social responsibility and statutory requirements:</span></span><span class=""><span data-v-57e5f677> As a bank, we play a key role in society. We help to prevent terrorist financing, money laundering and fraud, for instance by reporting unusual transactions or by identifying and stopping potentially fraudulent transactions and verifying transactions with you if necessary. Public authorities also ask us to provide personal data when they want to investigate problems or criminal offences. In that context, we check whether they have good reason to do so. The banking sector is also one of the most regulated industries around. This means we have to comply with many rules. Besides European and Dutch rules, these rules also include the laws of other countries. We must therefore also record and keep personal data for this purpose, and sometimes also provide personal data to the competent authorities. We always check first whether this is permitted.</span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ol></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>If you have not concluded a contract with us, we do not process your personal data on the basis of a contract. We may, however, use your personal data for other purposes, such as fraud detection. We always check first whether using your personal data for those other purposes is permitted. </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ul class="p-0 mb-0 ml-3 mt-0" data-v-449fd9f8><!--[--><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>Public authorities also ask us to provide personal data when they want to investigate problems or criminal offences. In this context, we check whether they have good reason to do so. The banking sector is also one of the most regulated industries around. This means we have to comply with many rules. Besides European and Dutch rules, these rules also include the laws of other countries (read more about the rules on transferring personal data [link]). ABN AMRO must therefore also record and keep personal data for this purpose, and sometimes also provide personal data to the competent authorities. [link to 'Other parties that use your personal data / Competent public authorities']. We always check first whether this is permitted.</span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ul></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>If you have not concluded a contract with us, we do not process your personal data on the basis of a contract. We may, however, use your personal data for other purposes, such as fraud detection. We always check first whether using your personal data for those other purposes is permitted.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Other purposes</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We may use your personal data for other purposes than the purpose for which you supplied the personal data to us. In that case, the new purpose must be in line with the purpose for which you initially provided your personal data to us. The law refers to this principle as ‘compatible use of personal data’. The law does not specify exactly when a use is compatible, although it does provide guidance.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ul class="p-0 mb-0 ml-3 mt-0" data-v-449fd9f8><!--[--><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>Is this purpose clearly related to the purpose for which you initially provided the personal data? Is the new purpose appropriate to the initial purpose?</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>How did we originally receive the personal data? Did we obtain the personal data directly from you or in another way?</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>What kind of personal data is concerned exactly? Is the personal data in question considered sensitive to a greater or lesser degree?</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>How would you be affected? Would you benefit, suffer or neither?</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>What can we do to ensure the highest possible level of protection for your personal data? Examples include anonymization and encryption.</span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ul></div><div class="col-lg-12 d-none" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677></span></span><!--]--></p></div><!--]--></div><!----></div></div></div><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-3" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>4. Using personal data with or without your consent</p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-3" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>In most cases, ABN AMRO uses your personal data without obtaining your consent for this. This is permitted by law.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Subsidiaries are also allowed to contact you with offers. In that context, it must be possible for you to tell that the undertaking is affiliated with our group, for instance because our name or logos are used, or because this is clearly stated on the website or in advertising.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>We do this because</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><ul class="p-0 mb-0 ml-3 mt-0" data-v-449fd9f8><!--[--><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>this is necessary because of the contract we have with you or that we intend to conclude with you;</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>the law requires us to use your personal data;</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>the bank or a third party has a legitimate interest [link to 'On what basis do we process your personal data?'</span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ul></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Sometimes, however, we are required to ask you for your consent. Before you give consent, we recommend that you carefully read the information we provide concerning the use of your personal data. If you have given consent and you want to withdraw this consent, you can do that very simply. Read more about withdrawing your consent. [withdrawing consent]. </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>In which situations do we ask you for your consent?</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We will in any event ask you to give consent in the following situations:</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ul class="p-0 mb-0 ml-3 mt-0" data-v-449fd9f8><!--[--><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We always ask for your consent before we process special categories of your personal data. We do not use special categories of personal data without your consent unless the law states we are required or permitted to do this.</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>Another party requests access to your payment details so that you can make use of external applications such as a financial journal.</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>Another party wants to make a payment for you, for example when an online purchase is made.</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We make use of cookies and similar technology on our websites and/or in apps in order to make you personalised offers. For more details, see our Cookie Statement.</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>In some apps, we require access to information about your location.</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>When we make use of automated decision-making and profiling and the law states that we require your consent for this.</span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ul></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Important information</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>In certain situations we do not ask for your consent. This is the case if we require your personal data to comply with the law, if a legitimate interest exists, or if this is necessary in the context of the contract that we conclude with you. In such cases, however, you may submit an objection.</span></span><!--]--></p></div><!--]--></div><!----></div></div></div><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-4" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>5. Our group and your personal data </p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-4" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We may share your personal data within our group for specific purposes. We may do this for internal administrative purposes, to improve our services to you, because we are required to do so by law, or to fulfil our duty of care. If, for example, you apply to us for a loan, we need to know whether you have already obtained a loan from one of our subsidiaries. This allows us to gain a more complete picture of your financial situation.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Subsidiaries are also allowed to contact you with offers. In that context, it must be possible for you to tell that the undertaking is affiliated with our group, for instance because our name or logos are used, or because this is clearly stated on the website or in advertising.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Required personal data</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>If we need personal data from you in order to conclude a contract with you, and you refuse to provide this data even though this is required by law, or these personal data are required for the contract, we will unfortunately not be able to enter into the contract with you. The required personal data is specified in the online forms and other forms we occasionally need you to complete.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Do you want us to remove your personal data from our systems? We are unfortunately unable to remove required or other personal data that we need, for instance for the performance of the contract you have with us, or because we are required to keep this data by law or owing to a legitimate interest of the bank.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Camera images, telephone calls, chat messages and video chat sessions</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We will in any event ask you to give consent in the following situations.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>If you visit a branch of our bank, we may capture images of you on camera. We do this for security purposes. We can also be contacted by telephone, by chat messages or in video chat sessions, for instance for mortgage advice. We may also record your telephone calls, chat messages or video chat sessions with our advisers. We do this for the following purposes:</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ul class="p-0 mb-0 ml-3 mt-0" data-v-449fd9f8><!--[--><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>to improve our services, for example so that we can coach or assess the performance of our employees, </span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>owing to a legal obligation, </span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>in order to be able to provide evidence, or </span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>to prevent fraud. </span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ul></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We handle video and audio recordings with due care. They are subject to the same rules as other personal data. You may exercise your rights, such as your right of access. </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Social Media</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We use social media channels to discuss our organization, products and/or services with clients, users of apps and visitors to the website. We do this so that we can offer useful, relevant information and/or answer questions we receive through social media. We use the internet and social media channels, such as Facebook and Twitter, for this purpose. In addition, we become involved in discussions on these channels and/or we reply to individual, relevant questions and comments from other participants. In such situations, it is of course possible that we record personal data. We will of course process this personal data in accordance with the terms of this privacy statement. </span></span><!--]--></p></div><!--]--></div><!----></div></div></div><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-5" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>6. Other parties using your personal data</p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-5" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>There are situations in which we need to provide your personal data to other people and entities involved in the provision of our services. These are described below. If you transfer money to another bank, your personal details will also end up with that bank. This is unavoidable.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Our service providers</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We work with other companies that help us provide services to you. This is referred to as outsourcing. We are not permitted to pass your personal data on to them without good reason. There are rules that banks must comply with in such situations. We carefully select these companies and reach clear agreements with them on how they are to handle your personal data. We remain responsible for your personal data. Sometimes we engage other parties that also provide services, such as lawyers, auditors or bailiffs. These parties bear their own responsibility for their use of your personal data.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Intermediaries</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We also work with intermediaries. It is therefore possible that you have a mortgage with us, but you took it out through a mortgage broker. This intermediary processes your personal data and is responsible for how it uses your personal data. Please visit the intermediary's website to find out how it handles personal data. </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Competent public authorities</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Our supervisory authorities, the Dutch Tax and Customs Administration, the Netherlands Public Prosecution Service and other public authorities may ask us to provide personal data relating to you. The law specifies when we are required to provide this data. Persons employed in the financial sector are bound by the disciplinary law for banks in the Netherlands. Personal data may be provided to Stichting Tuchtrecht Banken in the context of disciplinary proceedings. </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Financial services providers</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Do you want us to give your personal data to providers of financial services? This is possible if you give your consent first. We will then be required to provide your personal data to these third parties. If you share your personal data with other parties yourself, we are not responsible for how they use your personal data. In that case, the privacy statements of those third parties apply.</span></span><!--]--></p></div><!--]--></div><!----></div></div></div><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-6" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>7. Use of personal data for direct marketing purposes</p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-6" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>If you have previously purchased a product or service from us, we are keen to keep you informed about similar products and services we offer that are suited to your needs. This also applies if you are a visitor to our website. In order to do this properly, we use various sources. These are described below.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ol class="mb-0 ml-0 p-0 mt-0" data-v-13826788><!--[--><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>The personal data that we received from you in the context of the contract. When you visit our website, we study how you use the website. We do this using your IP address. We can then make you offers that are relevant to you personally. In that case, you must have agreed to the use of cookies and similar technology such as JavaScript. For more information about cookies, please see our Cookie Statement. </span></span><!--]--></p></div></div><!--]--></div></li><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>The use of social media depends on the privacy settings you use on social media sites. </span></span><!--]--></p></div></div><!--]--></div></li><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>Other sources of information, including public sources. We will always check first whether a public or other source of information can be used reliably. Where applicable, we will check whether you, as a client, have consented to the use of personal data that comes from another party.</span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ol></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>You can use the Internet Banking privacy settings (under 'Use of your personal data') to specify whether we may use your personal data to make you relevant offers.</span></span><!--]--></p></div><!--]--></div><!----></div></div></div><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-7" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>8. Profiling </p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-7" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>As a bank, we make use of profiling. Below we explain why we do this, and when.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Fraud prevention</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We have a great deal of knowledge and experience in the area of fraud prevention. Unfortunately, we are faced with increasingly sophisticated forms of fraud. We may take measures to prevent fraud where possible, which may include the use of profiling. For security reasons, we are unable to provide details of the precise measures to be taken.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Unusual transactions</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>As a bank, we have to comply with the Dutch Anti-Money Laundering and Anti-Terrorist Financing Act (Wet ter voorkoming van witwassen en financieren van terrorisme - Wwft). We therefore pay particular attention to unusual transactions and to transactions that - by their nature - result in a relatively high risk of money laundering. To do this, we need to create and maintain a risk profile of the client, in other words you. If we suspect that a transaction is connected with money laundering or terrorist financing, we will report this to the authorities.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Duty of care and risk management</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>The supervisory authorities expect us to do everything possible to avoid excessive lending, and to take faster action when clients are likely to get into financial difficulties. We may make use of profiling for this purpose too. In that case, we first make a list of the most common characteristics of clients who have found themselves in financial difficulties. These characteristics are combined to create the profile. We then check whether there are any clients who meet this profile. Finally, we determine what we can do to help these clients.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Client and product acceptance</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>How do we make use of profiling when you want to purchase a product? The following example explains how we do this. Imagine that you apply online for a loan from us. </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ol class="mb-0 ml-0 p-0 mt-0" data-v-13826788><!--[--><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We notify you in advance of the procedure we follow to create a profile and what you can expect.</span></span><!--]--></p></div></div><!--]--></div></li><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We carry out a risk assessment. We do this for new clients and also for existing clients who want to buy additional products. We know from experience that certain characteristics can indicate whether you are able to repay a loan easily. These characteristics include whether you have a job or any debts. We assess these characteristics.</span></span><!--]--></p></div></div><!--]--></div></li><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>Clients who are normally able to pay back a loan share a number of characteristics, as do clients who are normally unable to repay loans. Your characteristics are used as a basis for creating a profile. </span></span><!--]--></p></div></div><!--]--></div></li><li class="d-flex align-items-baseline" data-v-13826788><div class="list-item d-block" data-v-13826788 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We compare your profile with our existing profiles. Finally, we assess how likely it is that you will not be able to repay the loan. </span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ol></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Direct marketing</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We also use profiling to send you offers that are appropriate for you. For example, if you have a mortgage you will not receive any offers for mortgages from us. We attempt to identify your areas of interest, based on a number of characteristics. We then look at specific aspects, such as your age category and whether you already have any other products from us. You will only be selected for a relevant marketing campaign if you meet a specific profile. Obviously, we check the data protection rules to determine whether personal data may be used for that purpose. You may object to the creation of a personalised client profile for direct marketing purposes at any time. If you do not have a contract with us, we determine whether direct marketing is permitted in specific situations. </span></span><!--]--></p></div><!--]--></div><!----></div></div></div><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-8" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>9. Automated decision-making </p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-8" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We may use automated decision-making if we enter into a contract with you, for instance for an online loan.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>If we make a decision that has legal consequences for you or affects you to a significant degree, this will be done with the intervention of one or more competent bank employees. This also applies if the process that led to the decision is automated or if profiling was used. Examples include client acceptance or the reporting of unusual transactions to the authorities.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>There are situations in which we use automated decision-making without any human intervention. This is permitted by law. These situations may, among other things, concern decisions not to execute transactions, such as iDEAL transactions, because they might be fraudulent. These decisions may be taken on the basis of a fully automated process without any human intervention. </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>If, at any time in the future, we want to use automated decision-making that has legal consequences for you or affects you to a significant degree, we will make this clear to you beforehand. We will inform you of your rights, such as your right to obtain an explanation of the decision reached by automated means, your right to express your point of view, your right to challenge the decision and your right to obtain human intervention. </span></span><!--]--></p></div><!--]--></div><!----></div></div></div><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-9" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>10. Personal data protection </p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-9" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>We go to great lengths to ensure the highest possible level of protection for your information</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><ul class="p-0 mb-0 ml-3 mt-0" data-v-449fd9f8><!--[--><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We invest in our systems, procedures and people. </span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We make sure that our working methods are in keeping with the sensitive nature of your information. </span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We train our people how to keep your information safe and secure.</span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ul></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>For security reasons, we are unable to provide details of the precise measures we take. But you may have come across some of the following procedures we use to protect your personal data:</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ul class="p-0 mb-0 ml-3 mt-0" data-v-449fd9f8><!--[--><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>Security of our online services </span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>We follow a two-step process to establish your identity (authentication)</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>Security questions when you call us</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>Requirements for sending confidential documents</span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>Extra secure bankmail for confidential messages in Internet Banking and the Mobile Banking app</span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ul></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Security is our shared priority. If, for example, you encounter breaches in our security, you can report them to us confidentially through our website.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Warning system used by banks</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>The Dutch banking sector has developed a warning system to protect the safety and security of banks in the Netherlands. This system allows the banks to check whether a person: </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><ul class="p-0 mb-0 ml-3 mt-0" data-v-449fd9f8><!--[--><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>has ever committed fraud </span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>has tried to commit fraud </span></span><!--]--></p></div></div><!--]--></div></li><li data-v-449fd9f8><div class="list-item d-block" data-v-449fd9f8 data-v-f66c592a><!--[--><div class="list-item-content-wrapper" data-v-f66c592a><div data-v-f66c592a><p data-v-f66c592a><!--[--><span class=""><span data-v-57e5f677>somehow forms a threat to the safety and security of the banking sector. </span></span><!--]--></p></div></div><!--]--></div></li><!--]--></ul></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>For more information about this warning system and its workings, go to the website of the </span></span><span class="d-inline-block"><!--[--><span><span><a href="http://www.nvb.nl/" rel="noopener noreferrer" target="_blank" class="inline d-flex" aria-label="External link - Dutch Banking Association" data-element-label="Dutch Banking Association" data-element-type="textlink" data-element-target="http://www.nvb.nl/" data-element-action="exit" data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center inline external" data-v-9509ab83><span class="inline sy-icon-wrapper" style="width:24px;height:24px;" aria-label="External link icon" data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M14.028 4h4.98a.99.99 0 0 1 .994.993v4.98a1.023 1.023 0 0 1-1.4.926.99.99 0 0 1-.612-.919V7.423l-4.283 4.288a1 1 0 0 1-1.414-1.415l4.283-4.284H14.02a.986.986 0 0 1-.992-.992 1.02 1.02 0 0 1 1-1.02m3.265 10.293A1 1 0 0 1 19 15v2a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2V7a2 2 0 0 1 2-2h2a1 1 0 0 1 0 2H7.5a.5.5 0 0 0-.5.5v9a.5.5 0 0 0 .5.5h9a.5.5 0 0 0 .5-.5V15a1 1 0 0 1 .293-.707" clip-rule="evenodd"/></svg></span></span><span data-v-9509ab83>Dutch Banking Association</span></span><!----></a></span></span><!--]--></span><span class="d-inline-block"><span data-v-57e5f677>.</span></span><!--]--></p></div><!--]--></div><!----></div></div></div><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-10" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>11. Your personal data outside Europe </p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-10" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Your personal data is processed outside Europe too. Additional rules apply in that case. This is because not all countries have the same strict privacy rules as we do in Europe.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Sharing personal data within the ABN AMRO Group</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We may share your personal data outside Europe within our group. Our sharing of personal data is governed by our global internal policy, the </span></span><span class="d-inline-block"><!--[--><span><span><a href="https://assets.ctfassets.net/1u811bvgvthc/5w6xF2aPmaaZ0SBf4LKA2j/26f3d64c15f14a7de8a7323057ee7a04/2015_ABN_AMRO_Binding_Corporate_Rules.pdf" rel="noopener noreferrer" target="_blank" class="inline d-flex" aria-label="External link - Binding Corporate Rules (BCRs)" data-element-label="Binding Corporate Rules (BCRs)" data-element-type="textlink" data-element-target="https://assets.ctfassets.net/1u811bvgvthc/5w6xF2aPmaaZ0SBf4LKA2j/26f3d64c15f14a7de8a7323057ee7a04/2015_ABN_AMRO_Binding_Corporate_Rules.pdf" data-element-action="exit" data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center inline external" data-v-9509ab83><span class="inline sy-icon-wrapper" style="width:24px;height:24px;" aria-label="External link icon" data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M14.028 4h4.98a.99.99 0 0 1 .994.993v4.98a1.023 1.023 0 0 1-1.4.926.99.99 0 0 1-.612-.919V7.423l-4.283 4.288a1 1 0 0 1-1.414-1.415l4.283-4.284H14.02a.986.986 0 0 1-.992-.992 1.02 1.02 0 0 1 1-1.02m3.265 10.293A1 1 0 0 1 19 15v2a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2V7a2 2 0 0 1 2-2h2a1 1 0 0 1 0 2H7.5a.5.5 0 0 0-.5.5v9a.5.5 0 0 0 .5.5h9a.5.5 0 0 0 .5-.5V15a1 1 0 0 1 .293-.707" clip-rule="evenodd"/></svg></span></span><span data-v-9509ab83>Binding Corporate Rules (BCRs)</span></span><!----></a></span></span><!--]--></span><span class=""><span data-v-57e5f677>. These have been approved by the Dutch Data Protection Authority (Dutch DPA).</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>Sharing personal data with other service providers</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We may occasionally share your personal data with other companies or organisations outside Europe, for instance in the context of an outsourcing agreement. In that case, we ensure that we have concluded separate agreements with those parties, and that these agreements comply with the European standard, such as the EU's model clauses. </span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><h4 class="text-left"><!--[--><span class=""><span data-v-57e5f677>International payment transactions and cross-border investing</span></span><!--]--></h4></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>There are situations in which you make use of our international financial services, for instance if you transfer money abroad or if you hold investments abroad through us. In such situations, foreign parties, such as local supervisory authorities, banks, government bodies and investigative authorities, may ask us for your personal data, for instance so that they can carry out an investigation. Additional rules governing the use of personal data apply if you purchase investment products from us. For details, see the provisions of Article 11.3 of the Investment Conditions.</span></span><!--]--></p></div><!--]--></div><!----></div></div></div><div class="accordion shadow-tile" data-v-f674819e><div class="accordion-header d-flex align-items-center p-3 justify-content-between" tabindex="0" role="button" aria-controls="dropdown-content-11" data-v-f674819e><div class="d-inline-flex align-items-center" data-v-f674819e><!----><p class="mb-0" data-v-f674819e>12. How long do we store personal data</p></div><span class="primary-300 chevron ml-1" style="width:24px;height:24px;" data-v-f674819e data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="m10.573 14.993-4.278-4.274a1.007 1.007 0 1 1 1.427-1.425L12 13.569l4.277-4.275a1.013 1.013 0 0 1 1.426 0c.396.393.396 1.03 0 1.425l-4.278 4.274-.712.712a1.01 1.01 0 0 1-1.427 0z"/></svg></span></div><div id="dropdown-content-11" class="accordion-content overflow-hide hidden" data-v-f674819e><div class="pt-3 px-3" data-v-f674819e><div class="row" data-v-f674819e><!--[--><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>We keep personal data in any event for as long as is necessary to achieve the purpose.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>The General Data Protection Regulation does not stipulate specific storage periods for personal data. Other legislation may specify minimum storage periods, however, which we must comply with. Such legislation includes the general requirement for businesses to keep records, as set out in the Dutch Civil Code, tax laws or laws governing financial enterprises in particular (such as the Dutch Financial Supervision Act).</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Client data may be kept for even long for various reasons, such as for risk management purposes, for security reasons or so that claims, investigations or legal proceedings can be handled properly.</span></span><!--]--></p></div><div class="col-lg-12" data-component-type="rich-text"><p class="text-left"><!--[--><span class=""><span data-v-57e5f677>Where possible, such client data is stored in an archive that is separate from our day-to-day systems.</span></span><!--]--></p></div><!--]--></div><!----></div></div></div><!--]--></div></div></div><!----><!----><!----><!----></div></div><div class="col-lg-8" data-component-type="rich-text"><h2 class=""><!--[--><span class=""><span data-v-57e5f677>Do you have a complaint or want to ask a question?</span></span><!--]--></h2></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>Please write to </span></span><span class="d-inline-block"><!--[--><span><span><a href="mailto:privacy.office@nl.abnamro.com" rel="noopener noreferrer" target="_blank" class="inline d-flex" aria-label="External link - privacy.office@nl.abnamro.com" data-element-label="privacy.office@nl.abnamro.com" data-element-type="textlink" data-element-target="mailto:privacy.office@nl.abnamro.com" data-element-action="exit" data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center inline external" data-v-9509ab83><span class="inline sy-icon-wrapper" style="width:24px;height:24px;" aria-label="External link icon" data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M14.028 4h4.98a.99.99 0 0 1 .994.993v4.98a1.023 1.023 0 0 1-1.4.926.99.99 0 0 1-.612-.919V7.423l-4.283 4.288a1 1 0 0 1-1.414-1.415l4.283-4.284H14.02a.986.986 0 0 1-.992-.992 1.02 1.02 0 0 1 1-1.02m3.265 10.293A1 1 0 0 1 19 15v2a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2V7a2 2 0 0 1 2-2h2a1 1 0 0 1 0 2H7.5a.5.5 0 0 0-.5.5v9a.5.5 0 0 0 .5.5h9a.5.5 0 0 0 .5-.5V15a1 1 0 0 1 .293-.707" clip-rule="evenodd"/></svg></span></span><span data-v-9509ab83>privacy.office@nl.abnamro.com</span></span><!----></a></span></span><!--]--></span><span class=""><span data-v-57e5f677> if you have any questions about this privacy statement. We will be happy to be of assistance. If you do not agree with the way in which we handle your personal data, you can lodge a complaint with the Complaints Management department. You also have the right to file your complaint with the Dutch Data Protection Authority.</span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><h2 class=""><!--[--><span class=""><span data-v-57e5f677>Do you want to read this Privacy Statement at another time?</span></span><!--]--></h2></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>You can save our privacy statement on your smartphone, tablet or computer. You can also</span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><div class="embedded-entry-block" data-v-bd46b425><!----><!----><!----><!----><a href="https://assets.ctfassets.net/1u811bvgvthc/36bDDZCM6OFoGSRaUwkmfI/9d1255e2b62a0415391558f2255ce0c3/Privacyverklaring.pdf" rel="noopener noreferrer" target="_blank" class="custom" data-element-label="Download the Privacy statement" data-element-type="textlink" data-element-target="https://assets.ctfassets.net/1u811bvgvthc/36bDDZCM6OFoGSRaUwkmfI/9d1255e2b62a0415391558f2255ce0c3/Privacyverklaring.pdf" data-element-action="download" data-v-bd46b425 data-v-013737f7 data-v-9509ab83><!----><span class="custom-link" data-v-9509ab83><!--[--><span class="document d-flex align-items-center shadow-tile" data-v-013737f7><span class="negative-300 mr-3 document-icon" style="width:40px;height:40px;" aria-label="pdf icon" data-v-013737f7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" id="Layer_11" data-name="Layer 11" viewBox="0 0 24 24"><defs><style>.cls-1{fill:#00716b}</style></defs><path d="M8.471 11.667a1.02 1.02 0 0 0 .164-.624 1.2 1.2 0 0 0-.168-.678.53.53 0 0 0-.45-.255h-.733v1.771h.722a.55.55 0 0 0 .465-.214M11.778 13.882h.315a.85.85 0 0 0 .739-.3 1.9 1.9 0 0 0 .226-1.044v-.988a2.2 2.2 0 0 0-.2-1.111.8.8 0 0 0-.694-.329h-.382Z" class="cls-1"/><path d="M21 7h-2V6l-4-4H7a2.006 2.006 0 0 0-2 2v3H3a1 1 0 0 0-1 1v8a1 1 0 0 0 1 1h2v3a2.006 2.006 0 0 0 2 2h10a2.006 2.006 0 0 0 2-2v-3h2a1 1 0 0 0 1-1V8a1 1 0 0 0-1-1M7 4h7.17L17 6.83V7H7Zm7.108 7.519v.919a2.63 2.63 0 0 1-.541 1.758 1.86 1.86 0 0 1-1.493.638h-1.347v-5.68H12.1a1.82 1.82 0 0 1 1.453.632 2.62 2.62 0 0 1 .555 1.733m-7.876 3.315v-5.68h1.774a1.56 1.56 0 0 1 1.231.523 1.98 1.98 0 0 1 .463 1.358 1.86 1.86 0 0 1-.453 1.319 1.64 1.64 0 0 1-1.259.483h-.7v2ZM17 20H7v-3h10Zm1.074-9.89h-1.83v1.455h1.633v.952h-1.633v2.317h-1.052v-5.68h2.882Z" class="cls-1"/></svg></span><span class="text-wrapper mr-2" data-v-013737f7><span class="file-name" data-v-013737f7>Download the Privacy statement</span><span class="metadata d-block text-small" data-v-013737f7><span class="mr-2" data-v-013737f7>PDF</span><span class="mr-2" data-v-013737f7>(140KB)</span><time class="d-inline-flex align-items-center date date-gray text-small" data-v-013737f7 data-v-9a0b070b><!----><span data-v-9a0b070b>04/12/2020</span><!----><!----></time></span></span><span class="d-flex align-items-center" data-v-013737f7><span class="primary-300" style="width:24px;height:24px;" data-v-013737f7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" data-name="Layer 11" viewBox="0 0 24 24"><path d="M21 16v3a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-3a1 1 0 0 1 2 0v2.5a.5.5 0 0 0 .5.5h13a.5.5 0 0 0 .5-.5V16a1 1 0 0 1 2 0m-8.293.707L17 12.414A1 1 0 0 0 15.586 11L13 13.586V4a1 1 0 0 0-2 0v9.586L8.414 11A1 1 0 0 0 7 12.414l4.293 4.293a1 1 0 0 0 1.414 0" style="fill:#00716b"/></svg></span><span class="d-none d-sm-block ml-1" data-v-013737f7>Download</span></span></span><!--]--></span></a><!----><!----><!----><!----><!----><!----><!----><!----><!----></div></div><div class="col-lg-8" data-component-type="rich-text"><h2 class=""><!--[--><span class=""><span data-v-57e5f677>Changes to the Privacy Statement</span></span><!--]--></h2></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>Changes to the law or our services and products may affect the way in which we use your personal data. If this happens, we will make changes to the privacy statement and notify you of these changes. We will publish any changes on our website or in the app. </span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><h2 class=""><!--[--><span class=""><span data-v-57e5f677>Binding Corporate Rules for ABN AMRO Bank N.V.</span></span><!--]--></h2></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>Please be referred to two versions of our Binding Corporate Rules (BCR’s) below. The first version from 2012 is approved by the authorized data protection authorities in accordance with the then applicable data protection legislation. </span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>The second version is an update with additions in accordance with the new General Data Protection Regulation (GDPR). ABN AMRO provided the second version as update to the Dutch data protection authority (Autoriteit Persoonsgegevens) at the moment the GDPR entered into force.</span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>We may share your personal data outside Europe with other group companies. Our sharing of personal data is governed by our global internal policy.</span></span><!--]--></p></div><div class="col-lg-8" data-component-type="rich-text"><div class="embedded-entry-block" data-v-bd46b425><!----><!----><!----><!----><a href="https://assets.ctfassets.net/1u811bvgvthc/5w6xF2aPmaaZ0SBf4LKA2j/26f3d64c15f14a7de8a7323057ee7a04/2015_ABN_AMRO_Binding_Corporate_Rules.pdf" rel="noopener noreferrer" target="_blank" class="custom" data-element-label="Binding Corporate Rules 2012 (BCR)" data-element-type="textlink" data-element-target="https://assets.ctfassets.net/1u811bvgvthc/5w6xF2aPmaaZ0SBf4LKA2j/26f3d64c15f14a7de8a7323057ee7a04/2015_ABN_AMRO_Binding_Corporate_Rules.pdf" data-element-action="download" data-v-bd46b425 data-v-013737f7 data-v-9509ab83><!----><span class="custom-link" data-v-9509ab83><!--[--><span class="document d-flex align-items-center shadow-tile" data-v-013737f7><span class="negative-300 mr-3 document-icon" style="width:40px;height:40px;" aria-label="pdf 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1.98 1.98 0 0 1 .463 1.358 1.86 1.86 0 0 1-.453 1.319 1.64 1.64 0 0 1-1.259.483h-.7v2ZM17 20H7v-3h10Zm1.074-9.89h-1.83v1.455h1.633v.952h-1.633v2.317h-1.052v-5.68h2.882Z" class="cls-1"/></svg></span><span class="text-wrapper mr-2" data-v-013737f7><span class="file-name" data-v-013737f7>Binding Corporate Rules 2018</span><span class="metadata d-block text-small" data-v-013737f7><span class="mr-2" data-v-013737f7>PDF</span><span class="mr-2" data-v-013737f7>(169KB)</span><time class="d-inline-flex align-items-center date date-gray text-small" data-v-013737f7 data-v-9a0b070b><!----><span data-v-9a0b070b>04/12/2020</span><!----><!----></time></span></span><span class="d-flex align-items-center" data-v-013737f7><span class="primary-300" style="width:24px;height:24px;" data-v-013737f7 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" data-name="Layer 11" viewBox="0 0 24 24"><path d="M21 16v3a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-3a1 1 0 0 1 2 0v2.5a.5.5 0 0 0 .5.5h13a.5.5 0 0 0 .5-.5V16a1 1 0 0 1 2 0m-8.293.707L17 12.414A1 1 0 0 0 15.586 11L13 13.586V4a1 1 0 0 0-2 0v9.586L8.414 11A1 1 0 0 0 7 12.414l4.293 4.293a1 1 0 0 0 1.414 0" style="fill:#00716b"/></svg></span><span class="d-none d-sm-block ml-1" data-v-013737f7>Download</span></span></span><!--]--></span></a><!----><!----><!----><!----><!----><!----><!----><!----><!----></div></div><div class="col-lg-8" data-component-type="rich-text"><p class=""><!--[--><span class=""><span data-v-57e5f677>These have been approved by the Dutch Data Protection Authority (Dutch DPA).</span></span><!--]--></p></div><!--]--></div></section><section class="row"><div class="col-md-8"><!----></div></section></div><!----></main><!--]--><!--]--></div><footer class="abn-footer" data-v-04074b08 data-v-d3f2c26d><div class="top-footer-background" data-v-d3f2c26d><div class="top-footer container pt-5" data-component-type="top-footer" data-v-d3f2c26d><div class="top-footer-wrapper" data-v-d3f2c26d><nav class="row" aria-label="Footer navigation" 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data-v-9509ab83>Private Banking</span></span><!----></a><!--]--></div><div class="col-6 col-md-3 pb-3" data-content-group-type="container" data-content-group-title="Customer service" data-v-d3f2c26d><h3 class="mb-3" data-v-d3f2c26d>Customer service</h3><!--[--><a href="https://www.abnamro.nl/en/personal/contact/index.html" rel="noopener noreferrer" target="_blank" class="list d-flex white-color mb-2" aria-label="External link - Customer support" data-element-label="Customer support" data-element-type="textlink" data-element-target="https://www.abnamro.nl/en/personal/contact/index.html" data-element-action="exit" data-v-d3f2c26d data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list external" data-v-9509ab83><span class="white-color list sy-icon-wrapper" style="width:24px;height:24px;" aria-label="External link icon" data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M14.028 4h4.98a.99.99 0 0 1 .994.993v4.98a1.023 1.023 0 0 1-1.4.926.99.99 0 0 1-.612-.919V7.423l-4.283 4.288a1 1 0 0 1-1.414-1.415l4.283-4.284H14.02a.986.986 0 0 1-.992-.992 1.02 1.02 0 0 1 1-1.02m3.265 10.293A1 1 0 0 1 19 15v2a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2V7a2 2 0 0 1 2-2h2a1 1 0 0 1 0 2H7.5a.5.5 0 0 0-.5.5v9a.5.5 0 0 0 .5.5h9a.5.5 0 0 0 .5-.5V15a1 1 0 0 1 .293-.707" clip-rule="evenodd"/></svg></span></span><span data-v-9509ab83>Customer support</span></span><!----></a><a href="https://www.abnamro.nl/en/commercialbanking/service-contact.html" rel="noopener noreferrer" target="_blank" class="list d-flex white-color mb-2" aria-label="External link - Business support" data-element-label="Business support" data-element-type="textlink" data-element-target="https://www.abnamro.nl/en/commercialbanking/service-contact.html" data-element-action="exit" data-v-d3f2c26d data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list external" data-v-9509ab83><span class="white-color list sy-icon-wrapper" style="width:24px;height:24px;" aria-label="External link icon" data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M14.028 4h4.98a.99.99 0 0 1 .994.993v4.98a1.023 1.023 0 0 1-1.4.926.99.99 0 0 1-.612-.919V7.423l-4.283 4.288a1 1 0 0 1-1.414-1.415l4.283-4.284H14.02a.986.986 0 0 1-.992-.992 1.02 1.02 0 0 1 1-1.02m3.265 10.293A1 1 0 0 1 19 15v2a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2V7a2 2 0 0 1 2-2h2a1 1 0 0 1 0 2H7.5a.5.5 0 0 0-.5.5v9a.5.5 0 0 0 .5.5h9a.5.5 0 0 0 .5-.5V15a1 1 0 0 1 .293-.707" clip-rule="evenodd"/></svg></span></span><span data-v-9509ab83>Business support</span></span><!----></a><a href="https://www.abnamro.nl/en/privatebanking/contact-us/index.html" rel="noopener noreferrer" target="_blank" class="list d-flex white-color mb-2" aria-label="External link - Private Banking contact" data-element-label="Private Banking contact" data-element-type="textlink" data-element-target="https://www.abnamro.nl/en/privatebanking/contact-us/index.html" data-element-action="exit" data-v-d3f2c26d data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list external" data-v-9509ab83><span class="white-color list sy-icon-wrapper" style="width:24px;height:24px;" aria-label="External link icon" data-v-9509ab83 data-v-cdf4bbbf><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24"><path fill="#00716B" fill-rule="evenodd" d="M14.028 4h4.98a.99.99 0 0 1 .994.993v4.98a1.023 1.023 0 0 1-1.4.926.99.99 0 0 1-.612-.919V7.423l-4.283 4.288a1 1 0 0 1-1.414-1.415l4.283-4.284H14.02a.986.986 0 0 1-.992-.992 1.02 1.02 0 0 1 1-1.02m3.265 10.293A1 1 0 0 1 19 15v2a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2V7a2 2 0 0 1 2-2h2a1 1 0 0 1 0 2H7.5a.5.5 0 0 0-.5.5v9a.5.5 0 0 0 .5.5h9a.5.5 0 0 0 .5-.5V15a1 1 0 0 1 .293-.707" clip-rule="evenodd"/></svg></span></span><span data-v-9509ab83>Private Banking contact</span></span><!----></a><!--]--></div><div class="col-6 col-md-3 pb-3" data-content-group-type="container" data-content-group-title="Corporate sites" data-v-d3f2c26d><h3 class="mb-3" data-v-d3f2c26d>Corporate sites</h3><!--[--><a href="https://www.abnamro.com/research/en/home" rel="noopener noreferrer" target="_blank" class="list d-flex white-color mb-2" aria-label="External link - Research Group Economics" data-element-label="Research Group Economics" data-element-type="textlink" data-element-target="https://www.abnamro.com/research/en/home" data-element-action="exit" data-v-d3f2c26d data-v-9509ab83><span class="title-icon-wrapper d-flex align-items-center" data-v-9509ab83><span class="icon-wrapper d-flex align-items-center list external" data-v-9509ab83><span class="white-color list sy-icon-wrapper" 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","convocation-annual-general-meeting-2024",{"contentType":145,"title":350,"slug":351,"nestedContent":352},"Bondholders","bondholders",[353,356,359,362,365,368,371],{"title":354,"slug":355,"contentType":54},"ESG-Bonds","esg-bonds",{"title":357,"slug":358,"contentType":54},"Covered Bonds","covered-bonds",{"title":360,"slug":361,"contentType":54},"Senior Preferred Bonds","senior-preferred-bonds",{"title":363,"slug":364,"contentType":54},"Subordinated and Capital Securities","subordinated-and-capital-securities",{"title":366,"slug":367,"contentType":54},"Structured Products","structured-products",{"title":369,"slug":370,"contentType":54},"Programme Documentation","programme-documentation",{"title":86,"slug":372,"contentType":54},"disclaimer-ir",{"contentType":145,"title":374,"slug":375,"nestedContent":376},"Credit Ratings","credit-ratings",[377],{"title":378,"slug":379,"contentType":54},"Credit Rating Archive","credit-rating-archive",{"contentType":145,"title":381,"slug":382,"nestedContent":383},"Financial Calendar","financial-calendar",[384],{"title":385,"slug":386,"contentType":54},"Financial Calendar Archive","financial-calendar-archive",{"contentType":145,"title":388,"slug":389},"Contact","contact-ir",{"title":391,"slug":392,"contentType":118},"Research","research",{"title":51,"slug":394,"contentType":118},"careers",{"title":396,"slug":397,"contentType":398},"Search","search","SearchPage",{"title":388,"slug":400,"contentType":401},"contact","SinglePage",{"id":95,"title":93,"introduction":403,"createdAt":404,"updatedAt":404,"image":405,"mainText":413,"seo":1328,"enSlug":92,"nlSlug":1332,"frSlug":92,"deSlug":92,"ptSlug":92,"slugs":1333,"sections":1344},"This Privacy Statement sets out how we handle your personal data. You can be confident that we handle your personal data with due care.",0,{"title":406,"url":407,"description":408,"size":409,"type":410,"createdDate":411,"fileExtension":412},"Detecting financial crime","https://images.ctfassets.net/1u811bvgvthc/49ZcP88ub56xF1G9ITggOb/df8325584d405f088875e6a425b8e0b7/shutterstock_1654530349__1_.jpg","",594525,"image/jpeg",1642146660000,"jpg",{"content":414,"nodeType":516},[415,421,426,430,434,438,442,446,458,462,466,1252,1256,1265,1269,1273,1285,1289,1293,1297,1301,1305,1309,1316,1324],{"content":416,"nodeType":420},[417],{"value":418,"nodeType":419},"In the case of some of the bank's apps or websites, the use of your personal data may differ from that described in this general Privacy Statement. In such cases, a different privacy statement is provided in the app or additional information is given in the specific online service. We want you to be are aware of this so that you can avoid unwelcome surprises. ","text","paragraph",{"content":422,"nodeType":425},[423],{"value":424,"nodeType":419},"Who is this Privacy Statement intended for?","heading-2",{"content":427,"nodeType":420},[428],{"value":429,"nodeType":419},"Are you a client of ours or have you shown an interest in a specific product, for example by making an application? If so, we use your personal data and this privacy statement applies to you. If you visit our website or use one of our apps, we will also use your personal data in those situations.",{"content":431,"nodeType":420},[432],{"value":433,"nodeType":419},"It can also happen that we process personal data relating to individuals who do not have a contract with us, for example when we record and use personal data relating to contact persons at companies to which we provide services, shareholders of these companies, or ultimate beneficial owners (UBOs) of these companies. We may also process personal data relating to individuals who, for example, act as guarantors for our clients. ",{"content":435,"nodeType":420},[436],{"value":437,"nodeType":419},"To enable payments to be made, we process personal data relating to individuals with whom we do not have a contract. Examples of such personal data include the details of someone to whom you transfer money and whose account is with another bank. ",{"content":439,"nodeType":420},[440],{"value":441,"nodeType":419},"If you are one of these people, then this privacy statement is intended for you too. ",{"content":443,"nodeType":425},[444],{"value":445,"nodeType":419},"Our contact person for your questions about data protection",{"content":447,"nodeType":420},[448,450,456],{"value":449,"nodeType":419},"We have a designated Data Protection Officer. If you have any questions about this privacy statement, please send an email to ",{"content":451,"url":454,"hyperlinkType":13,"nodeType":455},[452],{"value":453,"nodeType":419},"privacy.office@nl.abnamro.com","mailto:privacy.office@nl.abnamro.com","hyperlink",{"value":457,"nodeType":419},". ",{"content":459,"nodeType":425},[460],{"value":461,"nodeType":419},"Who is responsible for your personal data?",{"content":463,"nodeType":420},[464],{"value":465,"nodeType":419},"The controller of your personal data is: ABN AMRO Bank N.V. ",{"content":467,"faqList":468,"nodeType":1251},[],{"title":93,"faqList":469},[470,517,625,752,846,919,959,991,1065,1085,1192,1231],{"question":471,"answer":472},"1. What is personal data\n",{"content":473,"nodeType":516},[474,478,482,487,491,513],{"content":475,"nodeType":420},[476],{"value":477,"nodeType":419},"Personal data is information that says something about you. The best known forms of personal data are your name, address, email address, age and date of birth.",{"content":479,"nodeType":420},[480],{"value":481,"nodeType":419},"Personal data also includes your bank account number, your phone number, your IP address and your national identification number. There are several special categories of personal data. These include data concerning your health. Another special category concerns biometric data, such as facial recognition or your fingerprint when you log on to the Mobile Banking app. We may only use this personal data if this is permitted by law or if you give your consent for this. In all other situations, we are prohibited from using this personal data.",{"content":483,"nodeType":486},[484],{"value":485,"nodeType":419},"Personal data relating to you that we obtained from others","heading-4",{"content":488,"nodeType":420},[489],{"value":490,"nodeType":419},"Imagine that your partner applies for a loan in both your names. In that case, we may use the data concerning you that we ask for. We may also decide to use personal data obtained from other sources, such as: ",{"content":492,"nodeType":512},[493,500,506],{"content":494,"nodeType":499},[495],{"content":496,"nodeType":420},[497],{"value":498,"nodeType":419},"public registers that contain your personal data, such as the National Credit Register;","list-item",{"content":501,"nodeType":499},[502],{"content":503,"nodeType":420},[504],{"value":505,"nodeType":419},"public sources such as newspapers, the internet and public sections of social media accounts; ",{"content":507,"nodeType":499},[508],{"content":509,"nodeType":420},[510],{"value":511,"nodeType":419},"data files from other parties that have collected personal data about you, such as external marketing firms or credit agencies. ","unordered-list",{"content":514,"nodeType":420},[515],{"value":408,"nodeType":419},"document",{"question":518,"answer":519},"2. On what legal ground do we process personal data",{"content":520,"nodeType":516},[521,525,529,533,537,541,545,549,569,573,577,581,585,617,621],{"content":522,"nodeType":420},[523],{"value":524,"nodeType":419},"Obviously, we may not request or use your personal data without good reason. By law, we are permitted to do this only if 'the processing has a basis'.",{"content":526,"nodeType":420},[527],{"value":528,"nodeType":419},"This means that we may only use your personal data for one or more of the following reasons: ",{"content":530,"nodeType":486},[531],{"value":532,"nodeType":419},"Contract",{"content":534,"nodeType":420},[535],{"value":536,"nodeType":419},"We need your personal data to conclude a contract, for example if you want to open an account with us or take out a mortgage. ",{"content":538,"nodeType":420},[539],{"value":540,"nodeType":419},"Are you the representative of your company and has your company concluded, or does it want to conclude, a contract with us? Or are you the contact person, shareholder, managing director or ultimate beneficial owner (UBO) of this company or one of our corporate clients? If so, we use your personal data for other reasons than the performance of the contract. We also do this if you are merely the payee of a payment made by one of our clients.",{"content":542,"nodeType":486},[543],{"value":544,"nodeType":419},"Legal obligation",{"content":546,"nodeType":420},[547],{"value":548,"nodeType":419},"The law lays down many rules that we have to comply with as a bank. These rules state that we have to record your personal data and occasionally provide it to others. The following are just some examples of the legal obligations we have to comply with: ",{"content":550,"nodeType":512},[551,557,563],{"content":552,"nodeType":499},[553],{"content":554,"nodeType":420},[555],{"value":556,"nodeType":419},"Under the Dutch Financial Supervision Act (Wet op het financieel toezicht - Wft), we have a statutory duty of care. This means that we must assess your financial situation as accurately as we can. We can then take account of any changes you have to deal with.",{"content":558,"nodeType":499},[559],{"content":560,"nodeType":420},[561],{"value":562,"nodeType":419},"We have to take steps to prevent and combat fraud, tax evasion, terrorist financing and money laundering. These include asking you to prove your identity so that we know who you are. This is why we keep a copy of your identity document.",{"content":564,"nodeType":499},[565],{"content":566,"nodeType":420},[567],{"value":568,"nodeType":419},"We have legal obligations under the Dutch Bankruptcy Act (Faillissementswet) and under other laws that require us to keep your personal data, such as the Dutch Civil Code or specific provisions of the Dutch Anti-Money Laundering and Anti-Terrorist Financing Act (Wet ter voorkoming van witwassen en financieren van terrorisme - Wwft).",{"content":570,"nodeType":420},[571],{"value":572,"nodeType":419},"Other organisations may occasionally ask banks to provide personal data. These organisations include the Dutch Tax and Customs Administration, the judicial authorities (financial fraud) and intelligence agencies (terrorism). In addition, banks are sometimes required to share personal data with supervisory authorities, such as the Netherlands Authority for the Financial Markets (AFM), the Dutch Central Bank (DNB) and the European Central Bank (ECB), for instance when they carry out research into business processes or specific clients or groups of clients. ",{"content":574,"nodeType":420},[575],{"value":576,"nodeType":419},"If the law or a supervisory authority stipulates that we must record or use your personal data, we are required to do this. In that case, it does not matter whether you are a client of ours or not. For example, every bank must check whether clients, and the representatives of clients (including corporate clients), are genuinely who they say they are. In addition, banks must keep a photocopy of an identity document for each of their clients. This means that we are not required to establish your identity if we only use your personal data because you are the payee of a payment made by one of our clients. Your personal data may, however, be used in fraud prevention activities such as transaction monitoring, or if we record your personal data in incident logs [see 'Warning system used by banks'].",{"content":578,"nodeType":486},[579],{"value":580,"nodeType":419},"Legitimate interest of the bank or others",{"content":582,"nodeType":420},[583],{"value":584,"nodeType":419},"We also have the right to use your personal data if we have a legitimate interest in doing so. In that case, we must be able to demonstrate that our interest in using your personal data outweighs your right to data protection. We therefore balance all the interests. We explain the situations in which this happens using a few examples:",{"content":586,"nodeType":512},[587,593,599,605,611],{"content":588,"nodeType":499},[589],{"content":590,"nodeType":420},[591],{"value":592,"nodeType":419},"We protect property and personal data belonging to you, to us and to others.",{"content":594,"nodeType":499},[595],{"content":596,"nodeType":420},[597],{"value":598,"nodeType":419},"We protect our own financial position (so that we can assess whether you are able to repay your loan, for example), your interests and the interests of other clients (in the event of a bankruptcy, for example). ",{"content":600,"nodeType":499},[601],{"content":602,"nodeType":420},[603],{"value":604,"nodeType":419},"We carry out fraud detection activities so that clients and ABN AMRO do not suffer losses as a result of fraud. In this context, we keep the financial transaction history of the payer and the payee.",{"content":606,"nodeType":499},[607],{"content":608,"nodeType":420},[609],{"value":610,"nodeType":419},"We keep you up-to-date on product changes and send you tips, offers and other relevant news by means of direct marketing.",{"content":612,"nodeType":499},[613],{"content":614,"nodeType":420},[615],{"value":616,"nodeType":419},"We aim to keep efficient records. We centralise our banking systems, make use of other service providers, and conduct statistical and scientific research. ",{"content":618,"nodeType":420},[619],{"value":620,"nodeType":419},"Someone else may also have a legitimate interest. For example, someone may accidentally transfer money to your bank account. In that case, we may, under certain conditions, provide your personal data to the person who issued the payment instruction. That person can then ask you to pay the money back. ",{"content":622,"nodeType":420},[623],{"value":624,"nodeType":419},"Even if you do not have a contract with us, we may still use your personal data either because this is necessary to ensure compliance with the law or on the basis of a legitimate interest. We will of course first check whether this is the case, for instance if your personal data is used for security purposes or for marketing purposes. ",{"question":626,"answer":627},"3. What do we use your personal data for",{"content":628,"nodeType":516},[629,633,637,693,697,705,709,713,717,749],{"content":630,"nodeType":486},[631],{"value":632,"nodeType":419},"We use your personal data to help make our operations and our services as effective, reliable and efficient as possible.\n\nPurposes",{"content":634,"nodeType":420},[635],{"value":636,"nodeType":419},"This is done for the following six purposes:",{"content":638,"nodeType":692},[639,648,656,665,674,683],{"content":640,"nodeType":499},[641],{"content":642,"nodeType":420},[643,646],{"type":644,"value":532,"nodeType":419},[645],"bold",{"value":647,"nodeType":419},": To be able to enter into contracts with you and perform these contracts. If we do not have your personal data, we cannot offer you a current account or transfer money from or to your account for you, for example.",{"content":649,"nodeType":499},[650],{"content":651,"nodeType":420},[652,654],{"type":653,"value":391,"nodeType":419},[645],{"value":655,"nodeType":419},": We study possible trends, problems, root causes of errors and risks, for instance to check whether new rules are properly complied with. This helps us prevent complaints and losses. It also allows us to intervene or issue a warning in time, for example if you are no longer able to repay your debts.",{"content":657,"nodeType":499},[658],{"content":659,"nodeType":420},[660,663],{"type":661,"value":662,"nodeType":419},[645],"Better or new products and services:",{"value":664,"nodeType":419}," Do our products still meet your wishes and expectations? We carry out research in this area, using your personal data. We study trends and use personal data with the aim of analysing and continuing to develop our products and services. ",{"content":666,"nodeType":499},[667],{"content":668,"nodeType":420},[669,672],{"type":670,"value":671,"nodeType":419},[645],"Marketing:",{"value":673,"nodeType":419}," You receive offers and news that is appropriate for you. That is why you receive as little advertising as possible for products you are probably not interested in or already have. In this context, we use personal data that we received from you, for instance because you requested information in the past or because you are already a client of ours. In this context, we may also use personal data that we received from other parties.",{"content":675,"nodeType":499},[676],{"content":677,"nodeType":420},[678,681],{"type":679,"value":680,"nodeType":419},[645],"Security and the integrity of our bank and our sector: ",{"value":682,"nodeType":419},"We are required to guarantee the security and integrity of the financial sector. We may therefore use your personal data to prevent or combat attempted or actual criminal or undesirable acts, such as fraud or terrorism. This enables us to guarantee the security and integrity of the financial sector, our organisation, our employees and you, as the client. We may also use your personal data for warning systems.",{"content":684,"nodeType":499},[685],{"content":686,"nodeType":420},[687,690],{"type":688,"value":689,"nodeType":419},[645],"Social responsibility and statutory requirements:",{"value":691,"nodeType":419}," As a bank, we play a key role in society. We help to prevent terrorist financing, money laundering and fraud, for instance by reporting unusual transactions or by identifying and stopping potentially fraudulent transactions and verifying transactions with you if necessary. Public authorities also ask us to provide personal data when they want to investigate problems or criminal offences. In that context, we check whether they have good reason to do so. The banking sector is also one of the most regulated industries around. This means we have to comply with many rules. Besides European and Dutch rules, these rules also include the laws of other countries. We must therefore also record and keep personal data for this purpose, and sometimes also provide personal data to the competent authorities. We always check first whether this is permitted.","ordered-list",{"content":694,"nodeType":420},[695],{"value":696,"nodeType":419},"If you have not concluded a contract with us, we do not process your personal data on the basis of a contract. We may, however, use your personal data for other purposes, such as fraud detection. We always check first whether using your personal data for those other purposes is permitted. ",{"content":698,"nodeType":512},[699],{"content":700,"nodeType":499},[701],{"content":702,"nodeType":420},[703],{"value":704,"nodeType":419},"Public authorities also ask us to provide personal data when they want to investigate problems or criminal offences. In this context, we check whether they have good reason to do so. The banking sector is also one of the most regulated industries around. This means we have to comply with many rules. Besides European and Dutch rules, these rules also include the laws of other countries (read more about the rules on transferring personal data [link]). ABN AMRO must therefore also record and keep personal data for this purpose, and sometimes also provide personal data to the competent authorities. [link to 'Other parties that use your personal data / Competent public authorities']. We always check first whether this is permitted.",{"content":706,"nodeType":420},[707],{"value":708,"nodeType":419},"If you have not concluded a contract with us, we do not process your personal data on the basis of a contract. We may, however, use your personal data for other purposes, such as fraud detection. We always check first whether using your personal data for those other purposes is permitted.",{"content":710,"nodeType":486},[711],{"value":712,"nodeType":419},"Other purposes",{"content":714,"nodeType":420},[715],{"value":716,"nodeType":419},"We may use your personal data for other purposes than the purpose for which you supplied the personal data to us. In that case, the new purpose must be in line with the purpose for which you initially provided your personal data to us. The law refers to this principle as ‘compatible use of personal data’. The law does not specify exactly when a use is compatible, although it does provide guidance.",{"content":718,"nodeType":512},[719,725,731,737,743],{"content":720,"nodeType":499},[721],{"content":722,"nodeType":420},[723],{"value":724,"nodeType":419},"Is this purpose clearly related to the purpose for which you initially provided the personal data? Is the new purpose appropriate to the initial purpose?",{"content":726,"nodeType":499},[727],{"content":728,"nodeType":420},[729],{"value":730,"nodeType":419},"How did we originally receive the personal data? Did we obtain the personal data directly from you or in another way?",{"content":732,"nodeType":499},[733],{"content":734,"nodeType":420},[735],{"value":736,"nodeType":419},"What kind of personal data is concerned exactly? Is the personal data in question considered sensitive to a greater or lesser degree?",{"content":738,"nodeType":499},[739],{"content":740,"nodeType":420},[741],{"value":742,"nodeType":419},"How would you be affected? Would you benefit, suffer or neither?",{"content":744,"nodeType":499},[745],{"content":746,"nodeType":420},[747],{"value":748,"nodeType":419},"What can we do to ensure the highest possible level of protection for your personal data? Examples include anonymization and encryption.",{"content":750,"nodeType":420},[751],{"value":408,"nodeType":419},{"question":753,"answer":754},"4. Using personal data with or without your consent",{"content":755,"nodeType":516},[756,760,764,768,788,792,796,800,838,842],{"content":757,"nodeType":420},[758],{"value":759,"nodeType":419},"In most cases, ABN AMRO uses your personal data without obtaining your consent for this. This is permitted by law.",{"content":761,"nodeType":420},[762],{"value":763,"nodeType":419},"Subsidiaries are also allowed to contact you with offers. In that context, it must be possible for you to tell that the undertaking is affiliated with our group, for instance because our name or logos are used, or because this is clearly stated on the website or in advertising.",{"content":765,"nodeType":486},[766],{"value":767,"nodeType":419},"We do this because",{"content":769,"nodeType":512},[770,776,782],{"content":771,"nodeType":499},[772],{"content":773,"nodeType":420},[774],{"value":775,"nodeType":419},"this is necessary because of the contract we have with you or that we intend to conclude with you;",{"content":777,"nodeType":499},[778],{"content":779,"nodeType":420},[780],{"value":781,"nodeType":419},"the law requires us to use your personal data;",{"content":783,"nodeType":499},[784],{"content":785,"nodeType":420},[786],{"value":787,"nodeType":419},"the bank or a third party has a legitimate interest [link to 'On what basis do we process your personal data?'",{"content":789,"nodeType":420},[790],{"value":791,"nodeType":419},"Sometimes, however, we are required to ask you for your consent. Before you give consent, we recommend that you carefully read the information we provide concerning the use of your personal data. If you have given consent and you want to withdraw this consent, you can do that very simply. Read more about withdrawing your consent. [withdrawing consent]. ",{"content":793,"nodeType":486},[794],{"value":795,"nodeType":419},"In which situations do we ask you for your consent?",{"content":797,"nodeType":420},[798],{"value":799,"nodeType":419},"We will in any event ask you to give consent in the following situations:",{"content":801,"nodeType":512},[802,808,814,820,826,832],{"content":803,"nodeType":499},[804],{"content":805,"nodeType":420},[806],{"value":807,"nodeType":419},"We always ask for your consent before we process special categories of your personal data. We do not use special categories of personal data without your consent unless the law states we are required or permitted to do this.",{"content":809,"nodeType":499},[810],{"content":811,"nodeType":420},[812],{"value":813,"nodeType":419},"Another party requests access to your payment details so that you can make use of external applications such as a financial journal.",{"content":815,"nodeType":499},[816],{"content":817,"nodeType":420},[818],{"value":819,"nodeType":419},"Another party wants to make a payment for you, for example when an online purchase is made.",{"content":821,"nodeType":499},[822],{"content":823,"nodeType":420},[824],{"value":825,"nodeType":419},"We make use of cookies and similar technology on our websites and/or in apps in order to make you personalised offers. For more details, see our Cookie Statement.",{"content":827,"nodeType":499},[828],{"content":829,"nodeType":420},[830],{"value":831,"nodeType":419},"In some apps, we require access to information about your location.",{"content":833,"nodeType":499},[834],{"content":835,"nodeType":420},[836],{"value":837,"nodeType":419},"When we make use of automated decision-making and profiling and the law states that we require your consent for this.",{"content":839,"nodeType":486},[840],{"value":841,"nodeType":419},"Important information",{"content":843,"nodeType":420},[844],{"value":845,"nodeType":419},"In certain situations we do not ask for your consent. This is the case if we require your personal data to comply with the law, if a legitimate interest exists, or if this is necessary in the context of the contract that we conclude with you. In such cases, however, you may submit an objection.",{"question":847,"answer":848},"5. Our group and your personal data\n",{"content":849,"nodeType":516},[850,854,857,861,865,869,873,877,881,907,911,915],{"content":851,"nodeType":420},[852],{"value":853,"nodeType":419},"We may share your personal data within our group for specific purposes. We may do this for internal administrative purposes, to improve our services to you, because we are required to do so by law, or to fulfil our duty of care. If, for example, you apply to us for a loan, we need to know whether you have already obtained a loan from one of our subsidiaries. This allows us to gain a more complete picture of your financial situation.",{"content":855,"nodeType":420},[856],{"value":763,"nodeType":419},{"content":858,"nodeType":486},[859],{"value":860,"nodeType":419},"Required personal data",{"content":862,"nodeType":420},[863],{"value":864,"nodeType":419},"If we need personal data from you in order to conclude a contract with you, and you refuse to provide this data even though this is required by law, or these personal data are required for the contract, we will unfortunately not be able to enter into the contract with you. The required personal data is specified in the online forms and other forms we occasionally need you to complete.",{"content":866,"nodeType":420},[867],{"value":868,"nodeType":419},"Do you want us to remove your personal data from our systems? We are unfortunately unable to remove required or other personal data that we need, for instance for the performance of the contract you have with us, or because we are required to keep this data by law or owing to a legitimate interest of the bank.",{"content":870,"nodeType":486},[871],{"value":872,"nodeType":419},"Camera images, telephone calls, chat messages and video chat sessions",{"content":874,"nodeType":420},[875],{"value":876,"nodeType":419},"We will in any event ask you to give consent in the following situations.",{"content":878,"nodeType":420},[879],{"value":880,"nodeType":419},"If you visit a branch of our bank, we may capture images of you on camera. We do this for security purposes. We can also be contacted by telephone, by chat messages or in video chat sessions, for instance for mortgage advice. We may also record your telephone calls, chat messages or video chat sessions with our advisers. We do this for the following purposes:",{"content":882,"nodeType":512},[883,889,895,901],{"content":884,"nodeType":499},[885],{"content":886,"nodeType":420},[887],{"value":888,"nodeType":419},"to improve our services, for example so that we can coach or assess the performance of our employees, ",{"content":890,"nodeType":499},[891],{"content":892,"nodeType":420},[893],{"value":894,"nodeType":419},"owing to a legal obligation, ",{"content":896,"nodeType":499},[897],{"content":898,"nodeType":420},[899],{"value":900,"nodeType":419},"in order to be able to provide evidence, or ",{"content":902,"nodeType":499},[903],{"content":904,"nodeType":420},[905],{"value":906,"nodeType":419},"to prevent fraud. ",{"content":908,"nodeType":420},[909],{"value":910,"nodeType":419},"We handle video and audio recordings with due care. They are subject to the same rules as other personal data. You may exercise your rights, such as your right of access. ",{"content":912,"nodeType":486},[913],{"value":914,"nodeType":419},"Social Media",{"content":916,"nodeType":420},[917],{"value":918,"nodeType":419},"We use social media channels to discuss our organization, products and/or services with clients, users of apps and visitors to the website. We do this so that we can offer useful, relevant information and/or answer questions we receive through social media. We use the internet and social media channels, such as Facebook and Twitter, for this purpose. In addition, we become involved in discussions on these channels and/or we reply to individual, relevant questions and comments from other participants. In such situations, it is of course possible that we record personal data. We will of course process this personal data in accordance with the terms of this privacy statement. ",{"question":920,"answer":921},"6. Other parties using your personal data",{"content":922,"nodeType":516},[923,927,931,935,939,943,947,951,955],{"content":924,"nodeType":420},[925],{"value":926,"nodeType":419},"There are situations in which we need to provide your personal data to other people and entities involved in the provision of our services. These are described below. If you transfer money to another bank, your personal details will also end up with that bank. This is unavoidable.",{"content":928,"nodeType":486},[929],{"value":930,"nodeType":419},"Our service providers",{"content":932,"nodeType":420},[933],{"value":934,"nodeType":419},"We work with other companies that help us provide services to you. This is referred to as outsourcing. We are not permitted to pass your personal data on to them without good reason. There are rules that banks must comply with in such situations. We carefully select these companies and reach clear agreements with them on how they are to handle your personal data. We remain responsible for your personal data. Sometimes we engage other parties that also provide services, such as lawyers, auditors or bailiffs. These parties bear their own responsibility for their use of your personal data.",{"content":936,"nodeType":486},[937],{"value":938,"nodeType":419},"Intermediaries",{"content":940,"nodeType":420},[941],{"value":942,"nodeType":419},"We also work with intermediaries. It is therefore possible that you have a mortgage with us, but you took it out through a mortgage broker. This intermediary processes your personal data and is responsible for how it uses your personal data. Please visit the intermediary's website to find out how it handles personal data. ",{"content":944,"nodeType":486},[945],{"value":946,"nodeType":419},"Competent public authorities",{"content":948,"nodeType":420},[949],{"value":950,"nodeType":419},"Our supervisory authorities, the Dutch Tax and Customs Administration, the Netherlands Public Prosecution Service and other public authorities may ask us to provide personal data relating to you. The law specifies when we are required to provide this data. Persons employed in the financial sector are bound by the disciplinary law for banks in the Netherlands. Personal data may be provided to Stichting Tuchtrecht Banken in the context of disciplinary proceedings. ",{"content":952,"nodeType":486},[953],{"value":954,"nodeType":419},"Financial services providers",{"content":956,"nodeType":420},[957],{"value":958,"nodeType":419},"Do you want us to give your personal data to providers of financial services? This is possible if you give your consent first. We will then be required to provide your personal data to these third parties. If you share your personal data with other parties yourself, we are not responsible for how they use your personal data. In that case, the privacy statements of those third parties apply.",{"question":960,"answer":961},"7. Use of personal data for direct marketing purposes",{"content":962,"nodeType":516},[963,967,987],{"content":964,"nodeType":420},[965],{"value":966,"nodeType":419},"If you have previously purchased a product or service from us, we are keen to keep you informed about similar products and services we offer that are suited to your needs. This also applies if you are a visitor to our website. In order to do this properly, we use various sources. These are described below.",{"content":968,"nodeType":692},[969,975,981],{"content":970,"nodeType":499},[971],{"content":972,"nodeType":420},[973],{"value":974,"nodeType":419},"The personal data that we received from you in the context of the contract. When you visit our website, we study how you use the website. We do this using your IP address. We can then make you offers that are relevant to you personally. In that case, you must have agreed to the use of cookies and similar technology such as JavaScript. For more information about cookies, please see our Cookie Statement. ",{"content":976,"nodeType":499},[977],{"content":978,"nodeType":420},[979],{"value":980,"nodeType":419},"The use of social media depends on the privacy settings you use on social media sites. ",{"content":982,"nodeType":499},[983],{"content":984,"nodeType":420},[985],{"value":986,"nodeType":419},"Other sources of information, including public sources. We will always check first whether a public or other source of information can be used reliably. Where applicable, we will check whether you, as a client, have consented to the use of personal data that comes from another party.",{"content":988,"nodeType":420},[989],{"value":990,"nodeType":419},"You can use the Internet Banking privacy settings (under 'Use of your personal data') to specify whether we may use your personal data to make you relevant offers.",{"question":992,"answer":993},"8. Profiling\n",{"content":994,"nodeType":516},[995,999,1003,1007,1011,1015,1019,1023,1027,1031,1057,1061],{"content":996,"nodeType":420},[997],{"value":998,"nodeType":419},"As a bank, we make use of profiling. Below we explain why we do this, and when.",{"content":1000,"nodeType":486},[1001],{"value":1002,"nodeType":419},"Fraud prevention",{"content":1004,"nodeType":420},[1005],{"value":1006,"nodeType":419},"We have a great deal of knowledge and experience in the area of fraud prevention. Unfortunately, we are faced with increasingly sophisticated forms of fraud. We may take measures to prevent fraud where possible, which may include the use of profiling. For security reasons, we are unable to provide details of the precise measures to be taken.",{"content":1008,"nodeType":486},[1009],{"value":1010,"nodeType":419},"Unusual transactions",{"content":1012,"nodeType":420},[1013],{"value":1014,"nodeType":419},"As a bank, we have to comply with the Dutch Anti-Money Laundering and Anti-Terrorist Financing Act (Wet ter voorkoming van witwassen en financieren van terrorisme - Wwft). We therefore pay particular attention to unusual transactions and to transactions that - by their nature - result in a relatively high risk of money laundering. To do this, we need to create and maintain a risk profile of the client, in other words you. If we suspect that a transaction is connected with money laundering or terrorist financing, we will report this to the authorities.",{"content":1016,"nodeType":486},[1017],{"value":1018,"nodeType":419},"Duty of care and risk management",{"content":1020,"nodeType":420},[1021],{"value":1022,"nodeType":419},"The supervisory authorities expect us to do everything possible to avoid excessive lending, and to take faster action when clients are likely to get into financial difficulties. We may make use of profiling for this purpose too. In that case, we first make a list of the most common characteristics of clients who have found themselves in financial difficulties. These characteristics are combined to create the profile. We then check whether there are any clients who meet this profile. Finally, we determine what we can do to help these clients.",{"content":1024,"nodeType":486},[1025],{"value":1026,"nodeType":419},"Client and product acceptance",{"content":1028,"nodeType":420},[1029],{"value":1030,"nodeType":419},"How do we make use of profiling when you want to purchase a product? The following example explains how we do this. Imagine that you apply online for a loan from us. ",{"content":1032,"nodeType":692},[1033,1039,1045,1051],{"content":1034,"nodeType":499},[1035],{"content":1036,"nodeType":420},[1037],{"value":1038,"nodeType":419},"We notify you in advance of the procedure we follow to create a profile and what you can expect.",{"content":1040,"nodeType":499},[1041],{"content":1042,"nodeType":420},[1043],{"value":1044,"nodeType":419},"We carry out a risk assessment. We do this for new clients and also for existing clients who want to buy additional products. We know from experience that certain characteristics can indicate whether you are able to repay a loan easily. These characteristics include whether you have a job or any debts. We assess these characteristics.",{"content":1046,"nodeType":499},[1047],{"content":1048,"nodeType":420},[1049],{"value":1050,"nodeType":419},"Clients who are normally able to pay back a loan share a number of characteristics, as do clients who are normally unable to repay loans. Your characteristics are used as a basis for creating a profile. ",{"content":1052,"nodeType":499},[1053],{"content":1054,"nodeType":420},[1055],{"value":1056,"nodeType":419},"We compare your profile with our existing profiles. Finally, we assess how likely it is that you will not be able to repay the loan. ",{"content":1058,"nodeType":486},[1059],{"value":1060,"nodeType":419},"Direct marketing",{"content":1062,"nodeType":420},[1063],{"value":1064,"nodeType":419},"We also use profiling to send you offers that are appropriate for you. For example, if you have a mortgage you will not receive any offers for mortgages from us. We attempt to identify your areas of interest, based on a number of characteristics. We then look at specific aspects, such as your age category and whether you already have any other products from us. You will only be selected for a relevant marketing campaign if you meet a specific profile. Obviously, we check the data protection rules to determine whether personal data may be used for that purpose. You may object to the creation of a personalised client profile for direct marketing purposes at any time. If you do not have a contract with us, we determine whether direct marketing is permitted in specific situations. ",{"question":1066,"answer":1067},"9. Automated decision-making\n",{"content":1068,"nodeType":516},[1069,1073,1077,1081],{"content":1070,"nodeType":420},[1071],{"value":1072,"nodeType":419},"We may use automated decision-making if we enter into a contract with you, for instance for an online loan.",{"content":1074,"nodeType":420},[1075],{"value":1076,"nodeType":419},"If we make a decision that has legal consequences for you or affects you to a significant degree, this will be done with the intervention of one or more competent bank employees. This also applies if the process that led to the decision is automated or if profiling was used. Examples include client acceptance or the reporting of unusual transactions to the authorities.",{"content":1078,"nodeType":420},[1079],{"value":1080,"nodeType":419},"There are situations in which we use automated decision-making without any human intervention. This is permitted by law. These situations may, among other things, concern decisions not to execute transactions, such as iDEAL transactions, because they might be fraudulent. These decisions may be taken on the basis of a fully automated process without any human intervention. ",{"content":1082,"nodeType":420},[1083],{"value":1084,"nodeType":419},"If, at any time in the future, we want to use automated decision-making that has legal consequences for you or affects you to a significant degree, we will make this clear to you beforehand. We will inform you of your rights, such as your right to obtain an explanation of the decision reached by automated means, your right to express your point of view, your right to challenge the decision and your right to obtain human intervention. ",{"question":1086,"answer":1087},"10. Personal data protection\n",{"content":1088,"nodeType":516},[1089,1093,1113,1117,1149,1153,1157,1161,1181],{"content":1090,"nodeType":486},[1091],{"value":1092,"nodeType":419},"We go to great lengths to ensure the highest possible level of protection for your information",{"content":1094,"nodeType":512},[1095,1101,1107],{"content":1096,"nodeType":499},[1097],{"content":1098,"nodeType":420},[1099],{"value":1100,"nodeType":419},"We invest in our systems, procedures and people. ",{"content":1102,"nodeType":499},[1103],{"content":1104,"nodeType":420},[1105],{"value":1106,"nodeType":419},"We make sure that our working methods are in keeping with the sensitive nature of your information. ",{"content":1108,"nodeType":499},[1109],{"content":1110,"nodeType":420},[1111],{"value":1112,"nodeType":419},"We train our people how to keep your information safe and secure.",{"content":1114,"nodeType":420},[1115],{"value":1116,"nodeType":419},"For security reasons, we are unable to provide details of the precise measures we take. But you may have come across some of the following procedures we use to protect your personal data:",{"content":1118,"nodeType":512},[1119,1125,1131,1137,1143],{"content":1120,"nodeType":499},[1121],{"content":1122,"nodeType":420},[1123],{"value":1124,"nodeType":419},"Security of our online services ",{"content":1126,"nodeType":499},[1127],{"content":1128,"nodeType":420},[1129],{"value":1130,"nodeType":419},"We follow a two-step process to establish your identity (authentication)",{"content":1132,"nodeType":499},[1133],{"content":1134,"nodeType":420},[1135],{"value":1136,"nodeType":419},"Security questions when you call us",{"content":1138,"nodeType":499},[1139],{"content":1140,"nodeType":420},[1141],{"value":1142,"nodeType":419},"Requirements for sending confidential documents",{"content":1144,"nodeType":499},[1145],{"content":1146,"nodeType":420},[1147],{"value":1148,"nodeType":419},"Extra secure bankmail for confidential messages in Internet Banking and the Mobile Banking app",{"content":1150,"nodeType":420},[1151],{"value":1152,"nodeType":419},"Security is our shared priority. If, for example, you encounter breaches in our security, you can report them to us confidentially through our website.",{"content":1154,"nodeType":486},[1155],{"value":1156,"nodeType":419},"Warning system used by banks",{"content":1158,"nodeType":420},[1159],{"value":1160,"nodeType":419},"The Dutch banking sector has developed a warning system to protect the safety and security of banks in the Netherlands. This system allows the banks to check whether a person: ",{"content":1162,"nodeType":512},[1163,1169,1175],{"content":1164,"nodeType":499},[1165],{"content":1166,"nodeType":420},[1167],{"value":1168,"nodeType":419},"has ever committed fraud ",{"content":1170,"nodeType":499},[1171],{"content":1172,"nodeType":420},[1173],{"value":1174,"nodeType":419},"has tried to commit fraud ",{"content":1176,"nodeType":499},[1177],{"content":1178,"nodeType":420},[1179],{"value":1180,"nodeType":419},"somehow forms a threat to the safety and security of the banking sector. ",{"content":1182,"nodeType":420},[1183,1185,1190],{"value":1184,"nodeType":419},"For more information about this warning system and its workings, go to the website of the ",{"content":1186,"url":1189,"hyperlinkType":13,"nodeType":455},[1187],{"value":1188,"nodeType":419},"Dutch Banking Association","http://www.nvb.nl/",{"value":1191,"nodeType":419},".",{"question":1193,"answer":1194},"11. Your personal data outside Europe\n",{"content":1195,"nodeType":516},[1196,1200,1204,1215,1219,1223,1227],{"content":1197,"nodeType":420},[1198],{"value":1199,"nodeType":419},"Your personal data is processed outside Europe too. Additional rules apply in that case. This is because not all countries have the same strict privacy rules as we do in Europe.",{"content":1201,"nodeType":486},[1202],{"value":1203,"nodeType":419},"Sharing personal data within the ABN AMRO Group",{"content":1205,"nodeType":420},[1206,1208,1213],{"value":1207,"nodeType":419},"We may share your personal data outside Europe within our group. Our sharing of personal data is governed by our global internal policy, the ",{"content":1209,"url":1212,"hyperlinkType":13,"nodeType":455},[1210],{"value":1211,"nodeType":419},"Binding Corporate Rules (BCRs)","https://assets.ctfassets.net/1u811bvgvthc/5w6xF2aPmaaZ0SBf4LKA2j/26f3d64c15f14a7de8a7323057ee7a04/2015_ABN_AMRO_Binding_Corporate_Rules.pdf",{"value":1214,"nodeType":419},". These have been approved by the Dutch Data Protection Authority (Dutch DPA).",{"content":1216,"nodeType":486},[1217],{"value":1218,"nodeType":419},"Sharing personal data with other service providers",{"content":1220,"nodeType":420},[1221],{"value":1222,"nodeType":419},"We may occasionally share your personal data with other companies or organisations outside Europe, for instance in the context of an outsourcing agreement. In that case, we ensure that we have concluded separate agreements with those parties, and that these agreements comply with the European standard, such as the EU's model clauses. ",{"content":1224,"nodeType":486},[1225],{"value":1226,"nodeType":419},"International payment transactions and cross-border investing",{"content":1228,"nodeType":420},[1229],{"value":1230,"nodeType":419},"There are situations in which you make use of our international financial services, for instance if you transfer money abroad or if you hold investments abroad through us. In such situations, foreign parties, such as local supervisory authorities, banks, government bodies and investigative authorities, may ask us for your personal data, for instance so that they can carry out an investigation. Additional rules governing the use of personal data apply if you purchase investment products from us. For details, see the provisions of Article 11.3 of the Investment Conditions.",{"question":1232,"answer":1233},"12. How long do we store personal data",{"content":1234,"nodeType":516},[1235,1239,1243,1247],{"content":1236,"nodeType":420},[1237],{"value":1238,"nodeType":419},"We keep personal data in any event for as long as is necessary to achieve the purpose.",{"content":1240,"nodeType":420},[1241],{"value":1242,"nodeType":419},"The General Data Protection Regulation does not stipulate specific storage periods for personal data. Other legislation may specify minimum storage periods, however, which we must comply with. Such legislation includes the general requirement for businesses to keep records, as set out in the Dutch Civil Code, tax laws or laws governing financial enterprises in particular (such as the Dutch Financial Supervision Act).",{"content":1244,"nodeType":420},[1245],{"value":1246,"nodeType":419},"Client data may be kept for even long for various reasons, such as for risk management purposes, for security reasons or so that claims, investigations or legal proceedings can be handled properly.",{"content":1248,"nodeType":420},[1249],{"value":1250,"nodeType":419},"Where possible, such client data is stored in an archive that is separate from our day-to-day systems.","embedded-entry-block",{"content":1253,"nodeType":425},[1254],{"value":1255,"nodeType":419},"Do you have a complaint or want to ask a question?",{"content":1257,"nodeType":420},[1258,1260,1263],{"value":1259,"nodeType":419},"Please write to ",{"content":1261,"url":454,"hyperlinkType":13,"nodeType":455},[1262],{"value":453,"nodeType":419},{"value":1264,"nodeType":419}," if you have any questions about this privacy statement. We will be happy to be of assistance. If you do not agree with the way in which we handle your personal data, you can lodge a complaint with the Complaints Management department. You also have the right to file your complaint with the Dutch Data Protection Authority.",{"content":1266,"nodeType":425},[1267],{"value":1268,"nodeType":419},"Do you want to read this Privacy Statement at another time?",{"content":1270,"nodeType":420},[1271],{"value":1272,"nodeType":419},"You can save our privacy statement on your smartphone, tablet or computer. You can also",{"content":1274,"document":1275,"nodeType":1251},[],{"linkTitle":1276,"asset":1277,"date":404,"hideMetadata":1284},"Download the Privacy statement",{"title":1278,"url":1279,"description":408,"size":1280,"type":1281,"createdDate":1282,"fileExtension":1283},"Privacyverklaring","https://assets.ctfassets.net/1u811bvgvthc/36bDDZCM6OFoGSRaUwkmfI/9d1255e2b62a0415391558f2255ce0c3/Privacyverklaring.pdf",143369,"application/pdf",1607120100000,"pdf",false,{"content":1286,"nodeType":425},[1287],{"value":1288,"nodeType":419},"Changes to the Privacy Statement",{"content":1290,"nodeType":420},[1291],{"value":1292,"nodeType":419},"Changes to the law or our services and products may affect the way in which we use your personal data. If this happens, we will make changes to the privacy statement and notify you of these changes. We will publish any changes on our website or in the app. ",{"content":1294,"nodeType":425},[1295],{"value":1296,"nodeType":419},"Binding Corporate Rules for ABN AMRO Bank N.V.",{"content":1298,"nodeType":420},[1299],{"value":1300,"nodeType":419},"Please be referred to two versions of our Binding Corporate Rules (BCR’s) below. The first version from 2012 is approved by the authorized data protection authorities in accordance with the then applicable data protection legislation. ",{"content":1302,"nodeType":420},[1303],{"value":1304,"nodeType":419},"The second version is an update with additions in accordance with the new General Data Protection Regulation (GDPR). ABN AMRO provided the second version as update to the Dutch data protection authority (Autoriteit Persoonsgegevens) at the moment the GDPR entered into force.",{"content":1306,"nodeType":420},[1307],{"value":1308,"nodeType":419},"We may share your personal data outside Europe with other group companies. 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