Here is the converted article in markdown format:

Estonia’s KYC Requirements: Know Your Customer Questionnaire for Private Clients

In accordance with Estonia’s anti-money laundering and terrorist financing prevention laws, as well as international agreements such as FATCA, Luminor Bank AS is obligated to verify the identity of its clients. To comply with these requirements, we kindly request that you provide the following information.

Client Information

• First name and surname
• Date of birth
• Nationality
• Residential address

Source of Funds

• Average monthly income (in EUR)
• Source of funds (e.g., salary, pension, self-employed)

Bank Transactions

• Average monthly transactions in Luminor accounts (in EUR)
• Cash deposits (in EUR)
• Cash withdrawals (in EUR)
• Payments to and from foreign countries (specify countries)

Accounts in Other Banks

• Does the client have accounts in other banks? If yes, please specify bank name.

Business Information

• Company name
• Country of location
• NACE 1 and NACE 2 codes

Dividends and Income

• Dividends (in EUR)
• Rent (in EUR)
• Other income (specify)

Confidentiality and Data Processing

• The client understands that Luminor Bank AS will maintain the confidentiality of their personal data in accordance with Estonian law and our General Terms and Conditions.
• The client confirms that their data is true, accurate, and complete.

Acknowledgement

• By signing this document, the client acknowledges that they have been informed of Luminor’s Privacy Policy and Data Retention Policy.

Please return the completed questionnaire to Luminor Bank AS at Liivalaia 45, 10145 Tallinn, Estonia. If you have any questions or concerns, please contact our customer support team by phone (+372 628 3300), e-mail (info@luminor.ee), or online banking.

Date: [insert date]