Common use of Balance Computation Information Clause in Contracts

Balance Computation Information. “Daily Balance Method” Dividends are calculated by the daily balance method which applies a daily periodic rate to the principle balance in the account each day. PRIVACY DISCLOSURE FACTS WHAT DOES REV FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:  Social Security number and income  Account Balances and Payment History  Credit History and Credit Scores When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons REV Federal Credit Union (REV FCU) chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does REV FCU share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you Yes Yes For joint marketing with other financial companies Yes Yes For our affiliates’ everyday business purposes— information about your transactions and experiences No We don’t share For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t share For our affiliates to market to you No We don’t share For nonaffiliates to market to you No We don’t share To limit our sharing Call Toll-free 0.000.000.0000 – and one of our Contact Center Agents will be glad to assist you. If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call Toll-free 0.000.000.0000 What We Do How does REV Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does REV Federal Credit Union We collect your personal information, for example, when you collect my personal information?  Open an account  Provide employment information  Apply for an Account and or Loan  Give us your wage statements  Use your credit or debit card  Show us your driver’s license  Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only  sharing for affiliates’ everyday business purposes—information about your creditworthiness  affiliates from using your information to market to you  sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

Balance Computation Information. “Daily Balance Method” Dividends are calculated by the daily balance method which applies a daily periodic rate to the principle balance in the account each day. PRIVACY DISCLOSURE FACTS WHAT DOES REV FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:  ◼ Social Security number and income  ◼ Account Balances and Payment History  ◼ Credit History and Credit Scores When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons REV Federal Credit Union (REV FCU) chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does REV FCU share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you Yes Yes For joint marketing with other financial companies Yes Yes For our affiliates’ everyday business purposes— information about your transactions and experiences No We don’t share For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t share For our affiliates to market to you No We don’t share For nonaffiliates to market to you No We don’t share To limit our sharing Call Toll-free 0.000.000.0000 0-000-000-0000 – and one of our Contact Center Agents will be glad to assist you. If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call Toll-free 0.000.000.0000 0-000-000-0000 What We Do How does REV Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does REV Federal Credit Union We collect your personal information, for example, when you collect my personal information?  ◼ Open an account  ◼ Provide employment information  ◼ Apply for an Account and or Loan  ◼ Give us your wage statements  ◼ Use your credit or debit card  ◼ Show us your driver’s license  ◼ Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only  ◼ sharing for affiliates’ everyday business purposes—information about your creditworthiness  ◼ affiliates from using your information to market to you  ◼ sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

Balance Computation Information. “Daily Balance Method” Dividends are calculated by the daily balance method which applies a daily periodic rate to the principle balance in the account each day. PRIVACY DISCLOSURE FACTS WHAT DOES REV TENNESSEE VALLEY FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:  Social Security number and income  Account Balances and Payment History  Credit History and Credit Scores overdraft history When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons REV Tennessee Valley Federal Credit Union (REV FCU) chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does REV FCU TVFCU share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you Yes Yes No For joint marketing with other financial companies Yes Yes For our affiliates’ everyday business purposes— information about your transactions and experiences No We don’t share Yes Yes For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t share Yes Yes For our affiliates to market to you No We don’t share Yes Yes For nonaffiliates to market to you No We don’t share Yes Yes To limit our sharing Call Tollus at (000) 000-0000 or toll free 0.000.000.0000 – and one of our Contact Center Agents will be glad to assist you(000) 000-0000. Visit us online: xxx.xxxxx.xxx/x/xxxxxx Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call Tollus (000) 000-0000 or toll-free 0.000.000.0000 (000)-000-0000 What We Do How does REV Tennessee Valley Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. How does REV Tennessee Valley Federal Credit Union collect my personal information? We collect your personal information, for example, when you collect my personal information?  Open an account  Provide employment information Make deposits or withdrawals from your  Apply for an Account and or Loan a loan account  Give us Pay for your wage statements bills  Use your credit or debit card  Show us your driver’s license  Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only  sharing Sharing for affiliates’ everyday business purposes—information about your creditworthiness  affiliates Affiliates from using your information to market to you  sharing Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

Balance Computation Information. “Daily Balance Method” Dividends are calculated by the daily balance method which applies a daily periodic rate to the principle balance in the account each day. PRIVACY DISCLOSURE FACTS WHAT DOES REV FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:  ◼ Social Security number and income  ◼ Account Balances and Payment History  ◼ Credit History and Credit Scores When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons REV Federal Credit Union (REV FCU) chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does REV FCU share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you Yes Yes For joint marketing with other financial companies Yes Yes For our affiliates’ everyday business purposes— information about your transactions and experiences No We don’t share For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t share For our affiliates to market to you No We don’t share For nonaffiliates to market to you No We don’t share To limit our sharing Call Toll-free 0.000.000.0000 – and one of our Contact Center Agents will be glad to assist you. If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call Toll-free 0.000.000.0000 What We Do How does REV Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does REV Federal Credit Union collect my personal information? We collect your personal information, for example, when you collect my personal information?  ◼ Open an account  ◼ Provide employment information  ◼ Apply for an Account and or Loan  ◼ Give us your wage statements  ◼ Use your credit or debit card  ◼ Show us your driver’s license  ◼ Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only  ◼ sharing for affiliates’ everyday business purposes—information about your creditworthiness  ◼ affiliates from using your information to market to you  ◼ sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.