Bearer Share Entities and other Anonymous Ownership Entities

Any entity, including a trust, whose ownership control cannot be determined because the entity’s ownership certificates or shares are issued in bearer form.

Money Services Businesses

Entities doing business, whether or not on a regular basis or as an organized business concern, in one or more of the following capacities:

1. Currency dealer or exchanger
2. Check casher
3. Issuer of traveler's checks, money orders or stored value
4. Seller or redeemer of traveler's checks, money orders or stored value
5. Money transmitter
6. U.S. Postal Service

Bitcoin Exchange or Virtual Currency Businesses

Business entities involved in Bitcoin processing, exchanges, or virtual currency. This includes Bitcoin exchanges, software developers for Bitcoin and virtual currency, and investment companies for Bitcoin or virtual currency.

Criminal Offenders

Anyone prosecuted, convicted, or indicted for a serious crime specific to felonies and certain misdemeanors involving financial crimes, narcotics trafficking, terrorist financing, or moral turpitude determined to be outside the risk profile of the Bank.

Crowdfunding or Crowdsourcing Entities

Entities that facilitate the process of obtaining needed funds, services, ideas, or content by soliciting contributions from a large group of people rather than from traditional employees or suppliers.

Embassies, Consulates, and Diplomatic Missions

Official embassy, consular, or other diplomatic mission accounts, such as:

1. Diplomatic mission used as part of the operation of the mission, e.g. embassy, consulate, or international organization founded in international law or treaties with status of diplomatic mission
2. Personnel, e.g. Ordinary Ambassador, Extraordinary Ambassador, Consul, Consul-General, Chargé d’Affaires, First Secretary, Attaché, or other employee