Common use of AUTHORIZATION TO COLLECT AND SHARE DATA Clause in Contracts

AUTHORIZATION TO COLLECT AND SHARE DATA. You agree that we may collect, transmit, store and use technical, location, and login or other information about you and your use of the Cards though Samsung Pay. You acknowledge that (i) Samsung, the provider of Samsung Pay technology that supports the Cards in Samsung Pay, as well as Samsung’s sub-contractors, agents, and affiliates, and (ii) the applicable payment network branded on your Card (e.g., MasterCard International Incorporated and its affiliate Maestro, American Express, or Visa, U.S.A., Inc. and its affiliate Interlink) as well as such network’s sub-contractors, agents, and affiliates, will have access to certain details of your transactions made with merchants via use of your Cards through Samsung Pay. We will use, share and protect your personal information in accordance with our PlainsCapital Bank Privacy Policy applicable to your Card account. You acknowledge that the use and disclosure of any personal information provided by you directly to Samsung, the applicable payment network branded on your Card, or other third parties supporting Samsung Pay, will be governed by such party’s privacy policy and not the PlainsCapital Bank Privacy Policy. Merchants may present to you certain discounts, rebates or other benefits (e.g., free shipping) (“Offers”) in Samsung Pay. Such Offers are subject to certain terms and conditions and may change at any time without notice to you. We will not be liable for any loss or damage as a result of any interaction between you and a merchant with respect to such Offers. Subject to applicable law and your Deposit Agreement, all matters, including delivery of good and services, returns, and warranties, are solely between you and the applicable merchants. You acknowledge that we do not endorse or warrant the merchants that are accessible through Samsung Pay or the Offers that they provide.

AUTHORIZATION TO COLLECT AND SHARE DATA. You agree that we may collect, transmit, store and use technical, location, and login or other information about you and your use of the Cards though Samsung Apple Pay. You acknowledge that (i) SamsungApple, the provider of Samsung Apple Pay technology that supports the Cards in Samsung Apple Pay, as well as SamsungApple’s sub-sub- contractors, agents, and affiliates, and (ii) the applicable payment network branded on your Card (e.g., MasterCard International Incorporated and its affiliate Maestro, American Express, or Visa, U.S.A., Inc. and its affiliate Interlink) as well as such network’s sub-contractors, agents, and affiliates, will have access to certain details of your transactions made with merchants via use of your Cards through Samsung Apple Pay. We will use, share and protect your personal information in accordance with our PlainsCapital Bank Privacy Policy applicable to your Card account. You acknowledge that the use and disclosure of any personal information provided by you directly to SamsungApple, the applicable payment network branded on your Card, or other third parties supporting Samsung Apple Pay, will be governed by such party’s privacy policy and not the PlainsCapital Bank Privacy Policy. Merchants may present to you certain discounts, rebates or other benefits (e.g., free shipping) (“Offers”) in Samsung Apple Pay. Such Offers are subject to certain terms and conditions and may change at any time without notice to you. We will not be liable for any loss or damage as a result of any interaction between you and a merchant with respect to such Offers. Subject to applicable law and your Deposit Agreement, all matters, including delivery of good and services, returns, and warranties, are solely between you and the applicable merchants. You acknowledge that we do not endorse or warrant the merchants that are accessible through Samsung Apple Pay or the Offers that they provide.

AUTHORIZATION TO COLLECT AND SHARE DATA. You agree that we may collect, transmit, store and use technical, location, and login or other information about you and your use of the Cards though Samsung Google Pay. You acknowledge that (i) SamsungGoogle, the provider of Samsung Google Pay technology that supports the Cards in Samsung Google Pay, as well as SamsungGoogle’s sub-sub- contractors, agents, and affiliates, and (ii) the applicable payment network branded on your Card (e.g., MasterCard International Incorporated and its affiliate Maestro, American Express, or Visa, U.S.A., Inc. and its affiliate Interlink) as well as such network’s sub-contractors, agents, and affiliates, will have access to certain details of your transactions made with merchants via use of your Cards through Samsung Google Pay. We will use, share and protect your personal information in accordance with our PlainsCapital Bank Privacy Policy applicable to your Card account. You acknowledge that the use and disclosure of any personal information provided by you directly to SamsungGoogle, the applicable payment network branded on your Card, or other third parties supporting Samsung Google Pay, will be governed by such party’s privacy policy and not the PlainsCapital Bank Privacy Policy. Merchants may present to you certain discounts, rebates or other benefits (e.g., free shipping) (“Offers”) in Samsung Google Pay. Such Offers are subject to certain terms and conditions and may change at any time without notice to you. We will not be liable for any loss or damage as a result of any interaction between you and a merchant with respect to such Offers. Subject to applicable law and your Deposit Agreement, all matters, including delivery of good and services, returns, and warranties, are solely between you and the applicable merchants. You acknowledge that we do not endorse or warrant the merchants that are accessible through Samsung Google Pay or the Offers that they provide.