Common use of Privacy and Confidentiality Clause in Contracts

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable to consumer accounts only), as well as our online privacy policy, which you agree to review by accessing on our homepage. In addition, we will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permission. Linking Accounts Accounts which are “linked” under the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. Security Code Credentials During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by you.

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable to consumer accounts only)policy, as well as our online privacy policy, which you agree to review by accessing on our homepagehomepage at xxxxx://xxxxxxxxxxxxxxx.xxxx/page/privacy-policy. In addition, we will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third party, such as a credit credi t bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permission. Linking Accounts Accounts which are “linked” under the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you You represent and warrant that you have authorization auth orization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. Security Code Credentials During your enrollment for the Services, you are required to select or will be assigned assigne d certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security CodesCredentials, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 daysonce per year. You agree to keep all Security Codes confidential; you agree not to disclose your Credentials to anyone and to take other reasonable precautions to ensure the safety, security and integrity of transactions conducted with your computer or mobile device (for example, do not write them down. Passwords should not be easy to guess: for example, y our name, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. NOTE: Some browser software may store user names and Credentials to facilitate the future use of a web site. For security reasons, you agree to disable this feature in your browser. Check your browser’s “Help” screen for more information on this feature. For security reasons we may disable your Credentials, for example if they are entered incorrectly several times. Passwords should not be easy to guess: for example, your name, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security CodesCredentials” will include any supplemental authentication tools that are used by you. After three unsuccessful attempts to use your Credentials, we may revoke your access to the Services. To re -establish your access to the Services, you agree to contact us at (805) 965 -5942. Contact in Event of Unauthorized Transfer If you believe any part of your Credentials, including your password, has been lost or stolen call: (000) 000-0000 Or write: American Riviera Bank P.O. Box 329 Santa Barbara, CA 93102 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Privacy and Confidentiality. All information gathered from BLOCSER respects your privacy. Please have a look at our Privacy Policy for further information. During the course of your subscription, you in connection with using may receive Confidential Information. You agree that during the Service applicability of the Terms and 5 years after termination: (a) all Confidential Information will be governed remain BLOCSER’s exclusive property except for the user’s personal data owned by the provisions respective user; (b) you and your affiliates will use Confidential Information only as is reasonably necessary for your use of our consumer privacy policy the Platform; (applicable c) you will not, and will cause your affiliates not to, directly or indirectly (including through a third party) otherwise disclose Confidential Information to consumer accounts only)any individual, company, or other third party except as well required to comply with the law; and (d) you will take all reasonable measures to protect the Confidential Information against any use or disclosure that is not expressly permitted in the Terms; and (e) you will retain Confidential Information only for so long as our online privacy policy, which you agree to review by accessing on our homepage. In addition, we will disclose information to third parties about your account or the transfers you make: • Where it its use is necessary for completing transfers; • In order the use of the Platform or to verify fulfill your statutory obligations (e.g. tax) and in all cases will delete such information upon termination or as soon as no longer required for the existence fulfilment of statutory obligations. The foregoing sentence does not restrict your right to share Confidential Information with a governmental entity that has jurisdiction over you, provided that you limit the disclosure to the minimum necessary and condition explicitly indicate the confidential nature of your account for a third partythe shared information to the governmental entity. You may not issue any press release related to the Platform, such or use our name, trademarks or logo in any way (including in promotional material) without our advance written permission or misrepresent or embellish the relationship between us in any way. We act as a credit bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permission. Linking Accounts Accounts which are “linked” under the Services must have identical owners. Any signer on data controller of any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact personal data collected on the other linked Account in Platform and transfer the absence personal data on users to you for your own use as an independent data controller. Use of this Agreement. As the personal data transferred to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service may only be used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. Security Code Credentials During your enrollment for the Services, you are required purpose to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity fulfil orders and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with providing the other components of your Security Codes, will give access agreed upon services to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to timeusers. If you choose use the personal data for other purposes, it is your responsibility to ensure sufficient legal bases as laid out by applicable law. You must keep personal data confidential at all time (the above 5 years’ term limit does not apply to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by youpersonal data).

Privacy and Confidentiality. All information gathered from Justwrk respects your privacy. Please have a look at our Privacy Policy for further information. During the course of your subscription, you in connection with using may receive Confidential Information. You agree that during the Service applicability of the Terms and 5 years after termination: (a) all Confidential Information will be governed remain Justwrk’s exclusive property except for the user’s personal data owned by the provisions respective user; (b) you and your affiliates will use Confidential Information only as is reasonably necessary for your use of our consumer privacy policy the Platform; (applicable c) you will not, and will cause your affiliates not to, directly or indirectly (including through a third party) otherwise disclose Confidential Information to consumer accounts only)any individual, company, or other third party except as well required to comply with the law; and (d) you will take all reasonable measures to protect the Confidential Information against any use or disclosure that is not expressly permitted in the Terms; and (e) you will retain Confidential Information only for so long as our online privacy policy, which you agree to review by accessing on our homepage. In addition, we will disclose information to third parties about your account or the transfers you make: • Where it its use is necessary for completing transfers; • In order the use of the Platform or to verify fulfill your statutory obligations (e.g. tax) and in all cases will delete such information upon termination or as soon as no longer required for the existence fulfilment of statutory obligations. The foregoing sentence does not restrict your right to share Confidential Information with a governmental entity that has jurisdiction over you, provided that you limit the disclosure to the minimum necessary and condition explicitly indicate the confidential nature of your account for a third partythe shared information to the governmental entity. You may not issue any press release related to the Platform, such or use our name, trademarks or logo in any way (including in promotional material) without our advance written permission or misrepresent or embellish the relationship between us in any way. We act as a credit bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permission. Linking Accounts Accounts which are “linked” under the Services must have identical owners. Any signer on data controller of any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact personal data collected on the other linked Account in Platform and transfer the absence personal data on users to you for your own use as an independent data controller. Use of this Agreement. As the personal data transferred to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service may only be used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. Security Code Credentials During your enrollment for the Services, you are required purpose to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity fulfil orders and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with providing the other components of your Security Codes, will give access agreed upon services to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to timeusers. If you choose use the personal data for other purposes, it is your responsibility to ensure sufficient legal bases as laid out by applicable law. You must keep personal data confidential at all time (the above 5 years’ term limit does not apply to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by youpersonal data).

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable to consumer accounts only), as well as our online privacy policy, which you agree to review by accessing on our homepage. In addition, we will disclose information to third parties about your account or the transfers you make: •  Where it is necessary for completing transfers; •  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; •  In order to comply with government agency or court orders; or •  If you give us your written permission. Linking Accounts Accounts which are “linked” under the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. Security Code Credentials During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by you.

Privacy and Confidentiality. All Due to our strict privacy standards and duty to protect your privacy and confidentiality, the Credit Union prohibits any photography, filming or recording of any type by any device on any Credit Union premise including areas surrounding any ATM or other device that may display confidential information. Violations will be enforced according to our termination and limitation of services guidelines in this Agreement. Sharing and Disclosing Account Information. While we value your right to privacy and confidentiality of your personal information, there are times where your information gathered will be shared and disclosed, as follows: With joint account owners and other parties to the transaction. If you have a joint deposit account or loan account, or if you enter into a transaction or account with us that requires a guarantor or a third-party owner of pledged collateral, you specifically agree to allow us to share and disclose information pertaining to those accounts with all your joint owners and other such persons described herein. By agreeing to involve these persons in your accounts and transactions, you acknowledge and agree that you are waiving your right to privacy in this regard and that it is understood that each of you will see each other's personal, non-public information that would otherwise be held in confidence. With Third Parties. We generally do not disclose your account information to third parties except: (1) when it is necessary in processing a transaction, whether that is to pay an item or to send a notice of dishonor or nonpayment; (2) to exchange, in the normal course of business, credit information with third party financial institutions or other business entities or a third party seeks to verify the existence or condition of your account in accordance with applicable law; (3) to provide information to our regulators or law enforcement when we in good faith believe we have been a victim of a crime or we have observed suspicious activity; (4) in order to comply with a government agency inquiry, subpoena or court order or a valid attachment, garnishment, or other legal action; (5) you give us written permission; (6) to guarantee a check by a third party; (7) at account opening, account renewal, or account review; (8) when we are attempting to collect a debt owed to us; or (9) any other reasonable disclosure allowed by law and appropriate to the circumstance. You also understand and agree that we may from time to time receive credit reports and other information about you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable to consumer accounts only), as well as our online privacy policy, which you agree to review by accessing on our homepageyour accounts. In additionUpon request, we will disclose give you the name and address of each agency from which we obtain such a report. You consent and agree that we may provide pay-off or payment information to third parties about persons or entities who seek to make payments on your account or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third partybehalf, such as a credit bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permissionincluding potential “pay-offs”. Linking Accounts Accounts which are “linked” under the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. Security Code Credentials During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These This may include a customer numberaccount numbers and information necessary to process payments. Elder Abuse, logon nameFraud, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Serviceor Financial Exploitation. You agree that the Credit Union may report suspicions of elder abuse, fraud, or financial exploitation to change all passwords any persons who we in good faith believe may provide assistance and/or protections. The option to report is voluntary and imposes no obligations on the Credit Union. Inactive or Dormant Accounts. If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Rates and Fees Schedule, we may classify your account as inactive, abandoned or dormant. We reserve the right to not classify an account as either inactive or dormant if any owner has other active accounts or services with sufficient frequency so as to protect confidentialityus. Unless prohibited by applicable law, and in any event no less frequently than every 90 dayswe may charge a service fee for processing your inactive account. You agree authorize us to keep all Security Codes confidential; transfer funds from another account of yours to cover any service fees. To the extent allowed by law, we reserve the right to transfer the account funds to a general Credit Union account and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you agree not within the period specified by state law, the account will be presumed to write them downbe abandoned. Passwords should not Funds in abandoned accounts will be easy reported and remitted in accordance with applicable state law. Once funds have been turned over to guess: for examplethe state, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not we have your browser automatically remember your password. We may offer no further liability to you or require you to use additional authentication tools or methods from time to time. If for such funds and if you choose not to implement supplemental authentication toolsreclaim such funds, your access you must apply to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by youthe appropriate state agency.

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable to consumer accounts only), as well as our online privacy policy, which you agree to review by accessing on our homepagehomepage at xxx.xxx. In addition, we will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permission. Linking Accounts Accounts Shadow Access We may, in our sole discretion, make available to you the ability to grant our employees and our service providers with real- time access to your sessions in connection with the Service (“Shadow Access”). You acknowledge and agree that any Shadow Access by our employees or our service providers will only be activated upon your authorization which are “linked” under may be provided by you or on your behalf by any one of the Services must have identical ownersauthorized users on your Account. Any signer on any linked AccountOnce Shadow Access is granted, acting aloneit will be limited to the session then open by you or your authorized user, at the time of the authorization. Each new session opened will require a new authorization for Shadow Access. You acknowledge that the purpose of Shadow Access is authorized to provide assistance to you when trouble-shooting systems questions presented by you to access and use Services for any other linked Account, whether us or not that person would be authorized our service provider as it relates to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. Security Code Credentials During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You expressly agree that you will maintain a physical presence at the computer terminal to change all passwords with sufficient frequency so as to protect confidentialitywhich Shadow Access is granted, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to timethe complete duration of the session. If you choose not fail to implement supplemental authentication toolsmaintain an authorized presence during the complete duration of the session, your you assume all risk associated with unauthorized access to some your information and the Services. In addition to the protections otherwise available to us under this Agreement, you agree to indemnify and hold us, our affiliates, licensors, processors, third party contractors and vendors, and their respective directors, officers, shareholders, employees and agents, harmless from and against any and all claims, loss or all Services may be limited. The term “Security Codes” will include damage of any supplemental authentication tools that are used by younature whatsoever (including but not limited to attorneys' fees and court costs) arising directly or indirectly out of the Shadow Access.

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy Privacy Policy, including the internet Privacy Policy (applicable to consumer accounts only)for the purpose of this Agreement collectively, as well as our online privacy policy, "Privacy Policy") which you agree to review by accessing on our homepage. Your access or use of our website constitutes your agreement to the terms and conditions of our Online Privacy Policy, and our use of information gathered about you in accordance with that policy. Our Privacy Policy may be revised from time to time. We may notify you of the changes by mail, email, or by posting a modified Privacy Policy on our website. Your continued use of our website or any Service following such notification or postings will constitute your acceptance of the revised Privacy Policy. Accordingly, please check our website regularly for revisions to the Privacy Policy. Websites linked to our website may publish separate privacy and security policies in connection with your use of their sites and services. Please refer to their rules whenever you leave our website. In addition, we will disclose information to third parties about your account accounts or the transfers you make: • Where  If it is necessary for completing transfers; • In order transfers or otherwise carrying out your instructions  If it is necessary to verify the existence and condition conditions of your account an Account for a third party, such as a credit bureau bureau, a merchant, or merchantany holder of a check issued by you through the Bill Payment Service; •  In order to comply with laws, government agency rules or orders, court orders, subpoenas or other legal process or in order to give information to any government agency or court ordersofficial having legal authority to request such information; or •  In order to provide you with information about bank products and services that we believe will be of interest to you;  If you otherwise give us your written permission; and  To the extent otherwise permitted or required by law. Linking Accounts Accounts which are “linked” under The Bank may disclose information about your account to account verification services, such as Early Warning Services, LLC, for example, if we close your account because of your unsatisfactory handling, fraud or attempted fraud or criminal activity. Information we report usually includes your name, address, Taxpayer Identification Number (TIN), driver's license number and the Services must have identical ownersdate and reason for the report. Any signer on any linked The account verification service may supply this information to others. This may adversely impact your ability to establish an account at another financial institution. AS REQUIRED BY LAW, YOU ARE HEREBY NOTIFIED THAT WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. We may also seek information about you from others, such as credit bureaus, in connection with the opening and maintaining of your Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. Security Code Credentials During approving your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the ServiceSystem, or as part of our on- going relations with you. You agree to change and hereby authorize all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by youthese transfers of information.

Privacy and Confidentiality. All The Financial Services Modernization Act of 1999 (Gramm Xxxxx Xxxxxx) and other industry, regulatory and legal requirements address in part how You and We must handle the nonpublic personal information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable Our customers. “Nonpublic Personal Information” is confidential information related to consumer accounts only)and about Our applicants and policyholders, including, but not limited to, financial, health and medical information such as Explanation of Benefits forms or credit card cardholder data, as well as our online lifestyles. You may have the need or the occasion to learn of such Nonpublic Personal Information in order to provide proper advice and service to applicants or policyholders of Us; however, You have a responsibility to properly control the release and use of such Nonpublic Personal Information and to prevent the unauthorized use or disclosure of such Nonpublic Personal Information. All Nonpublic Personal Information related to any insured, or to any consumer or customer (as such terms are defined under applicable state or federal privacy laws) that You obtain on behalf of or from Us or any of the companies in the NGL Insurance Group, in the performance of Your duties and obligations under this Agreement or any other agreement(s) with Us shall be held in the strictest confidence by You and Your Producers. You acknowledge receipt of a copy of Our Privacy Notice and an understanding of Our privacy policy, which you agree as well as an understanding of Your responsibilities and duties to review by accessing on our homepage. In additionadhere to Our privacy policy, we will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third party, as such as a credit bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permission. Linking Accounts Accounts which are “linked” under the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. Security Code Credentials During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods amended from time to time. If you choose not You acknowledge that You are responsible for the security of all such Nonpublic Personal Information. You are prohibited from disclosing or using any such Nonpublic Personal Information, except as necessary to implement supplemental authentication toolscarry out Your duties and obligations under Your Producer Agreement(s) with Us or as otherwise required under applicable state or federal law, your access including, without limitation, the Financial Services Modernization Act of 1999 (Gramm Xxxxx Xxxxxx) and any state law or regulation implementing the same, and You will establish procedures to some protect the security and confidentiality of such Nonpublic Personal Information. This provision survives termination of this Agreement. Producer Data Complete Section 1 for Individual/Sole Proprietor and Sections 1& 2 for Corporation / Partnership. 1 Full Name (First, Middle, Last) Male Female Social Security Number Date of Birth Business Phone ( ) Cell ( ) Fax ( ) Residential Phone ( ) Email Mailing Address (Street or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by you.P.O. Box, City, State, Zip) Residential Address (Street, City, State, Zip) PO Box Not Allowed (Required) 2 Corporation Partnership Federal Employer ID Number Agency or Firm Name (Corporation/Partnership) Name of President or Managing Partner (First, Middle, Last) (Corporations / Partnerships) Name of person to contact regarding operations (First, Middle, Last) (Corporations / Partnerships) Individual/Sole Proprietor Corporation/Partnership Same as Section 1 2a Business Phone ( ) Cell ( ) Fax ( ) Residential Phone ( ) Email Mailing Address (Street or P.O. Box, City, State, Zip) Physical Address (Street, City, State, Zip) PO Box Not Allowed *Use Black Ink

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable to consumer accounts only)policy, as well as our online privacy policy, which you agree to review by accessing on our homepagewebsite. In addition, we will disclose information to third parties about your account Account or the transfers you make: •  Where it is necessary for completing transfers; •  In order to verify the existence and condition of your account Account for a third party, such as a credit bureau or merchant; •  In order to comply with government agency or court orders; or •  If you give us your written permission. Linking Accounts Accounts which are “linked” under the Services must have identical ownersa common owner. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable)Notwithstanding the foregoing, you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. Security Code Login Credentials During Except as otherwise provided in this Agreement for business accounts, during your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, credentials will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event . We recommend no less frequently than every 90 daysonce per year. You agree to keep all Security Codes passwords confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by you. Contact In Event of Unauthorized Transfer If you believe your password has been lost or stolen: Call us at 000-000-0000 Or write us at: Bank of Marin P.O. Box 2039 Novato, CA 94948-2039 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your account without your permission. For consumer accounts, refer to the section below titled “Provisions Specific to Consumer Accounts” for more information concerning errors and unauthorized transactions. Notices and Contacting Us Written Notice You may send any notice or communication that you are required or permitted to give the Bank under this Agreement by U.S. mail, to: Bank of Marin, P.O. Box 2039, Novato, CA 94948-2039. To the extent permitted by applicable law, any such notice or communication, regardless of how delivered to us, will not be effective until we receive and have had a reasonable opportunity to act upon such notice or communication. You authorize us to, and you agree that we may, send any notice or communication to you via paper or electronic means. These include a change in terms notice, termination of a Service or Services notice, and rejection or acceptance of a payment transfer instruction. Electronic means may include e-mail (to your e-mail address, as it appears on the Bank’s records), postings on our website, and postings through our Secure Message Center, referenced below. You agree that notice or communication via electronic means will be effective and deemed delivered to you when we make the notice of communication available to you in such a manner. You agree to notify us promptly about any changes in your e-mail or mailing address. Further, you acknowledge and agree that no such change will be effective until we have had a reasonable opportunity to act upon such notice.