Cairo Bank Data Privacy Statement
This privacy statement describes how Cairo Bank Uganda protects the personal data it processes, why and how we collect and use your personal data and how you can exercise your rights in relation to the processing of your personal data.
This privacy statement should be read together with the Terms and Conditions of Use for other Cairo Bank Uganda products and services. Where there is a conflict, this privacy statement will prevail.
DATA PRIVACY STATEMENT
This privacy statement describes how Cairo Bank Uganda protects the personal data it
processes, why and how we collect and use your personal data and how you can
exercise your rights in relation to the processing of your personal data.
This privacy statement should be read together with the Terms and Conditions of Use for
other Cairo Bank Uganda products and services. Where there is a conflict, this privacy
statement will prevail.
1. DEFINITIONS
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“CBU,” “We,” “our,” “ours,” and “us,” means Cairo Bank Uganda and includes its
successors in title and assigns.
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“Personal data” or “personal information” means:
Information about you or information that identifies you as a unique individual, such as
your name/s and surname combined with your physical address, contact details and/or
passport/identity number.
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“Processing” collectively means handling, collecting, using, altering, merging,
linking, organizing, disseminating, storing, protecting, retrieving, disclosing, erasing,
archiving, destroying, or disposing of your personal information.
“Sensitive personal information” includes data revealing your race, health status,
ethnic social origin, conscience, belief, genetic data, biometric data, property
details, marital status, family details including details of your children, parents,
spouse or spouses, sex or sexual orientation.
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“You” means:
Customer – (which includes personal representatives and assigns) operating an
Account held with us and includes (where appropriate) any person you authorize
to give us instructions, the person who uses any of our products and services or
accesses our websites. “Customer” shall include both the masculine and the
feminine gender as well as juristic person.
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Any agent, dealer and/or merchants who has signed an agreement with us and
is recognized as a merchant or agent in accordance with any applicable laws or
Regulations.
Any visitor that is a person (including contractors/subcontractors or any third
parties) who gains access to any CBU premises.
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Any supplier/ service provider who has been contracted by CBU.
Any external lawyer who has tendered his/her application and/or signed a service
level agreement with CBU.
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Any valuer or auctioneer who has signed an agreement with CBU.
The word “includes” means that what follows is not necessarily exhaustive and therefore
the examples given are not the only things/situations included in the meaning or
explanation of that text.
Cairo Bank Uganda is regulated by Bank of Uganda
Customer Deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 Million Shillings. Terms and Conditions Apply
2. Collection of Personal Data
CBU will only collect personal data about you insofar as is necessary to achieve the
purposes set out in this privacy statement. We collect your personal information with your
knowledge and consent with exception to cases where prior consent cannot be
obtained for real reasons and the processing of the data is permitted by law.
Personal information may be given to or collected by CBU in writing as part of a written
or via App.
By signing the terms and conditions, you confirm and give consent that your information
is sought to be accessed or used of the address with the registration number (national
identification number or alien identification number) to the Bank who will make an
application to the Authority to access or use (where applicable) your information
contained in the Register as per Form 2 of the Registration of Persons (access and use of
information) regulations 2015.
CBU will collect your personal information when you do any of the following:
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Make an application, buy or use any of our product and/or service or from third
parties on our electronic and digital platforms.
Use any of our product and/or service online, on a mobile or other device or in
any of our branches or with any of our agents or merchants.
Ask CBU for more information about a product or service or contact CBU with a
query or a complaint.
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When you visit, access any of CBU buildings/ premises.
Where you’ve been identified as a next of kin by our customer or employee.
Where you have applied for employment at CBU.
Attend an event sponsored by CBU.
Make an application to CBU or interact with us as a supplier, agent or dealer.
Visit, access or use any of our online platforms/websites.
Subscribe to any of our online services, Short Message Service (SMS), email or
social media platforms;
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Respond to or participate in a survey, marketing promotion, prize competition or
special offer.
We may also collect your information from other organizations including credit-
reference bureaus, fraud prevention agencies, government agencies and
business directories.
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When you engage our insurance services or as a result of your relationship with
one or more of our staff and clients.
When we require personal information from you in order to fulfil a statutory or
contractual requirement, or where such information is necessary to enter into a
contract or is otherwise an obligation, we will inform you and indicate the
consequences of failing to do so.
Cairo Bank Uganda is regulated by Bank of Uganda
Customer Deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 Million Shillings. Terms and Conditions Apply
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These examples are non-exhaustive, which is reflective of the varied nature of the
personal information we may collect.
What Information is collected?
From individuals who are our customers and prospective customers, or are
representatives of customers and prospective customers, we may collect personal
information that includes but is not limited to the following:
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Your identity information, including your title, name, photograph, marital Status,
nationality, occupation, residence, address, location, phone number, identity
document type and number, date of birth, age, gender, your email, Facebook
and twitter address.
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Name of your employer, terms of employment and if on contract, expiry of the
contract.
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Your estimated monthly income levels.
If you are a student, your college or university and graduation date.
Your signature specimen.
Your credit or debit-card information, information about your bank account
numbers and or other banking information.
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Your transaction information when you use our electronic and digital platforms,
branches, our agents and/or merchants.
Your preferences for particular products and services, based on information
provided by you or from your use of our network or third party products and
services.
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Name, family details, age, profiling information such as level of education, bank
account status, income brackets, etc. collected as part of surveys conducted by
us and our agents on behalf of CBU.
Your contact with us, such as when you: call us or interact with us through social
media, email (we may record your conversations, social media or other
interactions with us), register your biometric information such as your voice,
fingerprints etc., visit our branches.
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Relevant information as required by regulatory Know Your Client and/or Anti
Money Laundering regulations and as part of our client intake procedures. This
may possibly include evidence of source of funds, at the outset of and possibly
from time to time throughout our relationship with clients, which we may request
and/or obtain from third party sources. The sources for such verification may
include documentation, which we request from you or through the use of online
or public sources or both.
We use Closed Circuit Television (CCTV) surveillance recordings. CCTV Devices are
installed at strategic locations to provide a safe and secure environment in all our
branches, CBU premises and ATMs as a part of our commitment to security and
crime prevention.
Cairo Bank Uganda is regulated by Bank of Uganda
Customer Deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 Million Shillings. Terms and Conditions Apply
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We maintain a register of visitors in which we collect and keep your personal data
such as names, company/institution details, telephone number, vehicle
registration details, National ID number and device serial number and model
(where you visit our premises with your personal devices e.g. laptops). This
information is collected for health, safety and security purposes.
We collect and retain your personal data (name, telephone number, and vehicle
registration details) when you request for a parking space in any of our CBU
premises. We use the data you provide to ensure effective car park management,
health and safety compliance, for security purposes and inventory management.
Information you provide to us for the purposes of attending meetings and events.
We may use your medical information to manage our services and products to
you.
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We collect your personal information when you visit us for purposes of accident
and incident reporting. CBU will collect personal data from the injured party or
person suffering from ill health, such as, Name, Address, Age, next of kin, details of
the incident to include any relevant medical history. The data is collected as CBU
has a legal duty to document workplace incidents/accidents and to report
certain types of accidents, injuries and dangerous occurrences arising out of its
work activity to the relevant enforcing authority. Incidents and accidents will be
investigated to establish what lessons can be learned to prevent such
incidents/accidents reoccurring including introduction of additional safeguards,
procedures, information instruction and training, or any combination of these.
Monitoring is undertaken but on an anonymized basis. The information is also
retained in the event of any claims for damages.
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When you visit our website, we collect your ID-type information: cookie ID, mobile
ID, IP address which is used for real-time processing in order to generate a visitor
ID.
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Information that you provide to us and/or Correspondent banks as part of the
provision of Services to you, which depends on the nature of your engagement.
We may collect details of a minor which include name, date of birth, birth
certificate number, relationship with the applicant and any other information
relevant for the provision of our products and services. We will only process such
data where parental or legal guardian consent has been given. We will also
ensure that the processing of such data will be done in a manner that protects
and advances the rights and best interests of the child.
Related Legal Entities
Corporate entities and clients form part of our client base. These legal entities are not
data subjects (i.e., natural persons to whom personal information relates). However, as
part of our engagement with these clients, we may receive personal information about
individuals which may include but is not limited to:
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full names.
Cairo Bank Uganda is regulated by Bank of Uganda
Customer Deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 Million Shillings. Terms and Conditions Apply
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birth certificate number, national identity card number or passport number.
nationality.
date of birth
postal and business address.
residential address, telephone number and email address.
occupation or profession.
nature of ownership or control of the company.
Number of Shares in the company.
These examples are non-exhaustive, which is reflective of the varied nature of the
personal information.
Mailing lists
We also collect information to enable us improve the customers’ experience and market
our products and/or services, which may be of interest to you. For this purpose, we
collect:
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Name and contact details.
Other business information, such as job title and the company you work for.
Products and/or services that interest you.
Additional information may be collected, such as events you attend and if you
provide it to us.
3. Use of Personal Data
This privacy statement aims to give you complete and transparent information on how
CBU processes your personal data. We are committed to ensure that your personal
information is processed in a way that is compatible with the specified, explicit, and
legitimate purpose of collection.
Where personal data relates to a child, we will process the personal data only where
parental or legal guardian consent has been given. The processing of such data will be
done in a manner that protects and advances the rights and best interests of the child.
We may use personal data provided to us for any of the following purposes but are not
limited to:
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Verifying your identity information through publicly available and/or restricted
government databases to comply with applicable Know Your Customer (KYC)
requirements.
Assessing the purpose and nature of your business or principal activity, your
financial status and the capacity in which you are entering into the business
relationship with us.
Creating a record of you on our system to verify your identity, provide you with the
products and/or services you have applied for from us or from third parties on our
ecommerce platforms.
Cairo Bank Uganda is regulated by Bank of Uganda
Customer Deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 Million Shillings. Terms and Conditions Apply
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Communicate with and keep you informed about the products and/or services
you have applied for.
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Verification of age and consent where the personal data relates to a child.
Identifying you and verifying your physical address.
Identifying your source of income and similar information.
Assessing your personal financial circumstances and needs before providing
advice to you.
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Responding to any of your queries or concerns, we may record or monitor
telephone calls between us so that we can check instructions and make sure that
we are meeting our service standards.
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Carrying out credit checks and credit scoring.
To perform our obligations under a contractual arrangement with you.
Fraud prevention, detection and investigation.
Any purpose related to the prevention of financial crime, including sanctions
screening, monitoring of anti-money laundering and any financing of terrorist
activities.
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Further processing for historical, statistical or research, survey and other scientific
or business purposes where the outcomes will not be published in an identifiable
format.
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Provide aggregated data (which do not contain any information which may
identify you as an individual) to third parties for research and scientific purpose.
In business practices including to quality control, training and ensuring effective
systems operations.
To understand how you use our products and services for purposes of developing
or improving products and services.
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Administer any of our online platforms/websites.
To comply with any legal, governmental, or regulatory requirement or for use by
our lawyers in connection with any legal proceedings.
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For purposes relating to the assignment, sale, or transfer of any of our businesses,
legal entities or assets, in whole or in part, as part of corporate transactions.
Keeping you informed generally about new products and services and
contacting you with offers or promotions based on how you use our third-party
products and services unless you opt out of receiving such marketing messages
(you may contact CBU at any time to opt out of receiving marketing messages).
Where you have applied for employment at CBU, we perform applicant screening
and background checks.
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Where you are a CBU employee (including contractors), we create an
employment record of you to facilitate continuous monitoring during your
employment with us.
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Where you are a CBU director, we create a record of you as a director.
Where you are a supplier to CBU, we process your personal information for due
diligence, risk assessment, administrative and payment purposes.
For security purposes when accessing any of CBU buildings/premises.
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Cairo Bank Uganda is regulated by Bank of Uganda
Customer Deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 Million Shillings. Terms and Conditions Apply
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Where you attend an event sponsored by CBU, we will be taking photos or videos
of the event. These images or videos will be used by us to share news about the
event, and may be used in press releases, printed publicly, and published on our
website.
4. Sensitive (Special Categories) Data
We may collect Special Categories of Personal Data about you (this includes details
about your race, health status, ethnic social origin, conscience, belief, genetic data,
biometric data, property details, marital status, family details including details of your
children, parents, spouse or spouses, sex or sexual orientation). We will rely on any of the
legal basis provided in clause 6 below for such collection.
5. Transfer of Personal Data
CBU may transfer your personal information for the purpose of effecting/implementing,
administering, and securing any product or service that you have applied for or for other
purpose set out in this privacy statement. We also share data with CBU controlled
affiliates, with vendors working on our behalf, when required by law or to respond to legal
process, to protect our customers, to protect lives, to maintain the security of our
products, to comply with regulatory requirements and to protect the rights and property
of CBU and its customers.
We may transfer or disclose the personal data we collect to regulatory, fiscal or
supervisory authority, correspondent banks on transaction enquiries, third party
contractors, subcontractors, and/or their subsidiaries and affiliates who provide support
to CBU in providing its services. The third party providers may use their own third party
subcontractors that have access to personal data (sub-processors). It is our policy to use
only third party providers that are bound to maintain appropriate levels of security and
confidentiality, to process personal information only as instructed by CBU, and to flow
those same obligations down to their sub-processors.
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Cross-border transfers
From time to time we may need to transfer your personal information outside Uganda.
This includes countries that do not have laws that provide specific protection to your
personal data.
Where we send your information outside Uganda, we will make sure that there is proof of
adequate data protection safeguards in the recipient country or consent from you on
transfer of your personal information.
Other Disclosures
We also may disclose your personal information where required by law, to enforce other
agreements, or to protect the rights, property, or safety of our business, our clients,
customers, employees, or others.
Cairo Bank Uganda is regulated by Bank of Uganda
Customer Deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 Million Shillings. Terms and Conditions Apply
CBU may disclose, respond, advise, exchange and communicate personal data and/or
information in the Bank’s possession relating to you outside CBU whether such personal
data and/or information is obtained after you cease to be the Bank’s customer or during
the continuance of the bank-customer relationship or before such relationship was in
contemplation, provided that such personal information is treated in confidence by the
recipient: -
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For fraud prevention, detection and investigation purposes.
To licensed credit reference agencies or any other creditor if you are in breach of
your obligations to the Bank and for assessment of credit applications and for debt
tracing.
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To licensed credit reference agencies or any other creditor for determining your
payment history.
To the Bank’s external lawyers, auditors, valuers, survey agencies, and sub-
contractors, software developers or other persons acting as agents of the Bank.
To any person who may assume the Bank’s rights within the confines of the law.
To debt collection agencies.
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Providing income tax-related information to tax authorities.
To any regulatory, fiscal or supervisory authority, any local or international law
enforcement agencies, governmental agencies so as to assist in the prevention,
detection, investigation or prosecution of criminal activities, courts or arbitration
tribunal where demand for any personal data and/or information is within the law.
To the Bank’s affiliates and their branches and offices (together and individually).
Where the Bank has a right or duty to disclose or is permitted or compelled to do
so by law.
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For purposes of exercising any power, remedy, right, authority or discretion
relevant to an existing contract with the Bank and following the occurrence of an
Event of Default, to any other person or third party as well.
6. Legal basis for the processing of personal data
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CBU will process your personal information as permitted by the applicable Data
Protection Law and its internal policies:
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For the performance of a product/service contract which you are party to.
Where processing is necessary for the purposes of legitimate business interests
pursued by CBU or by a third party within the confines of the law.
For the establishment, exercise or defense of a legal claim.
Compliance with a mandatory legal obligation to which it is subject to.
With your consent.
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Public interest.
To protect your vital interest or the vital interests of any person.
7. Direct Marketing
From time to time, we may also use your personal information to contact you for market
research or to provide you with information about other services we think would be of
Cairo Bank Uganda is regulated by Bank of Uganda
Customer Deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 Million Shillings. Terms and Conditions Apply
interest to you. You may be required to opt-in or give any other form of explicit consent
before receiving marketing messages from us. We respect your right to control your
personal data depending on which of our products you use. Therefore, at a minimum,
we will always give you the opportunity to opt-out of receiving such direct marketing or
market research communications. You may exercise this right to opt-out at any time.
8. Retention of Personal Data
CBU will retain your personal data only for as long as is necessary to achieve the purpose
for which they were collected. We may retain your personal data and/or information for
a period of up to Ten (10) years or as may be required by law and maintain specific
records management and retention policies and procedures, so that personal data are
deleted after a reasonable time according to the following retention criteria:
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Where we have an ongoing relationship with you.
To comply with a legal obligation to which it is subject.
Where retention is advisable to safeguard or improve the Bank’s legal position.
9. Your rights
You have the right (in the circumstances and under the conditions, and subject to the
exceptions, set out in applicable law to:
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Be informed that we are collecting personal data about you.
Request access to your personal information that we have on record. This right
entitles you to know whether CBU holds personal data of you and, if so, obtain
information on and a copy of those personal data.
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Request CBU to rectify any of your personal data that is incorrect or incomplete.
Object to and withdraw your consent to processing of your personal data. This
right entitles you to request that CBU no longer processes your personal data. The
withdrawal of your consent shall not affect the lawfulness of processing based on
prior consent before its withdrawal. We may also continue to process your
personal information if we have a legitimate or legal reason to do so.
Request the erasure of your personal data. This right entitles you to request the
erasure of your personal data, including where such personal data would no
longer be necessary to achieve the purposes.
Request the restriction of the processing of your personal data. This right entitles
you to request that CBU only processes your personal data in limited
circumstances, including with your consent.
Request portability of your personal data. This right entitles you to receive a copy
(in a structured, commonly used, and machine-readable format) of personal data
that you have provided to CBU, or request CBU to transmit such personal data to
another data controller in an electronic format.
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10. The Use of Cookies
We may store some information (using "cookies") on your computer when you visit our
websites. This enables us to recognize you during subsequent visits. The type of
Cairo Bank Uganda is regulated by Bank of Uganda
Customer Deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 Million Shillings. Terms and Conditions Apply
information gathered is non-personal (such as: The Internet Protocol (IP) address of your
computer, the date and time of your visit, which pages you browsed and whether the
pages have been delivered successfully. We use cookies for storing and honoring your
preferences and settings, enabling you to sign in, providing interest-based advertising,
combating fraud, analyzing how our products perform, and fulfilling other legitimate
purposes.
We may also use this data in aggregate form to develop customized services - tailored
to your individual interests and needs. Should you choose to do so, it is possible
(depending on the browser you are using), to be prompted before accepting any
cookies, or to prevent your browser from accepting any cookies at all. This will however
cause certain features of the web site not to be accessible.
11. Contact Us
Please contact our Data Protection Officer if:
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You have any questions or concerns about how CBU processes your personal
data.
ii.
You want to exercise any of your rights in relation to your personal data.
Email: feedback@cbu.co.ug
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0800 211 025 (Toll Free)
0786 650 966 (WhatsApp)
12. Amendments to this Statement
CBU reserves the right to amend or modify this privacy statement from time to time and
your continued use of our products and services constitutes your agreement to be bound
by the terms of any such amendment or variation. You can access the most current
modification to this statement will take effect from the date of notification on the CBU
website.
Cairo Bank Uganda is regulated by Bank of Uganda
Customer Deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 Million Shillings. Terms and Conditions Apply
Foreign Exchange Rates
Buying
Selling
USD
3755
3805
GBP
4969
5043
EUR
4285
4358
KES
27
31
CHF
4713
4808
Forex as of: 2026-03-19