Common use of Collection and Use of Personal Information Clause in Contracts

Collection and Use of Personal Information. Collecting your personal information The Bank may from time to time collect financial and other information about the Customer and/or Cardholder such as: ¡ information establishing the Customer’s and/or Cardholder’s identity (for example, name, address, phone number, date of birth, etc.) and the Customer’s and/or Cardholder’s personal background; ¡ information related to Transactions arising from the Customer’s and/ or Cardholder’s relationship with and through the Bank, and from other financial institutions; ¡ information the Customer and/or Cardholder provides on an application for any of the Bank’s products and services; ¡ information for the provision of products and services; and ¡ information about financial behavior such as the Customer’s and/or Cardholder’s payment history and credit worthiness. The Bank may collect and confirm this information during the course of its relationship with the Customer and/or Cardholder. The Bank may obtain this information from a variety of sources, including from the Customer and/ or Cardholder, from service arrangements the Customer and/or Cardholder makes with or through the Bank, from credit reporting agencies and financial institutions, from registries, from references the Customer and/or Cardholder provides to the Bank and from other sources, as is necessary for the provision of the Bank’s products and services. The Customer and/or Cardholder acknowledges receipt of notice that from time to time reports about the Customer and/or Cardholder may be obtained by the Bank from credit reporting agencies, where available. Using Customer and/or Cardholder personal information This information may be used from time to time for the following purposes: ¡ to verify the Customer’s and/or Cardholder’s identity and investigate his or her personal background; ¡ to open and operate the Customer’s and/or Cardholder’s account(s) including the Account and provide products and services the Customer and/or Cardholder may request; ¡ to better understand the Customer’s and/or Cardholder’s financial situation; ¡ to determine the Customer’s and/or Cardholder’s eligibility for products and services the Bank offers; ¡ to help the Bank better understand the current and future needs of its clients; ¡ to communicate to the Customer and/or Cardholder any benefit, feature and other information about products and services the Customer and/or Cardholder has with the Bank; ¡ to help the Bank better manage its business and the Customer’s and/or Cardholder’s relationship with it; ¡ to maintain the accuracy and integrity of information held by a credit reporting agency; and ¡ as required or permitted by law. For these purposes, the Bank may: ¡ make this information available to its employees, its agents and service providers (including those persons and entities providing services under and in connection with RBC programmes described in this Agreement, such persons and entities being referred to herein as “RBC Rewards”), wherever located, who are required to maintain the confidentiality of this information; ¡ share this information with other financial institutions; and ¡ give credit, financial and other related information to credit reporting agencies who may share it with others. The service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located. Upon the Customer’s and/or Cardholder’s request, the Bank may give this information to other persons. The Bank may also use this information and share it with Royal Bank of Canada (“RBC”) companies (i) to manage its risks and operations and those of RBC companies, (ii) to comply with valid requests for information about the Customer and/or Cardholder from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies know the Customer’s and/or Cardholder’s choices under “Other uses of Customer and/or Cardholder personal information” for the sole purpose of honouring the Customer’s and/or Cardholder’s choices. The Customer and/or Cardholder acknowledges (i) that each RBC company and RBC Rewards Service Provider is bound by the laws of the jurisdiction in which it is located and of the jurisdiction(s) in which it conducts business, and accordingly

Collection and Use of Personal Information. Collecting your personal information The Bank may from time to time collect financial and other information about the Customer and/or Cardholder such as: ¡ ◾ information establishing the Customer’s and/or Cardholder’s identity (for example, name, address, phone number, date of birth, etc.) and the Customer’s and/or Cardholder’s personal background; ¡ ◾ information related to Transactions arising from the Customer’s and/ or Cardholder’s relationship with and through the Bank, and from other financial institutions; ¡ ◾ information the Customer and/or Cardholder provides on an application for any of the Bank’s products and services; ¡ ◾ information for the provision of products and services; and ¡ ◾ information about financial behavior such as the Customer’s and/or Cardholder’s payment history and credit worthiness. The Bank may collect and confirm this information during the course of its relationship with the Customer and/or Cardholder. The Bank may obtain this information from a variety of sources, including from the Customer and/ or Cardholder, from service arrangements the Customer and/or Cardholder makes with or through the Bank, from credit reporting agencies and financial institutions, from registries, from references the Customer and/or Cardholder provides to the Bank and from other sources, as is necessary for the provision of the Bank’s products and services. The Customer and/or Cardholder acknowledges receipt of notice that from time to time reports about the Customer and/or Cardholder may be obtained by the Bank from credit reporting agencies, where available. Using Customer and/or Cardholder personal information This information may be used from time to time for the following purposes: ¡ ◾ to verify the Customer’s and/or Cardholder’s identity and investigate his or her personal background; ¡ ◾ to open and operate the Customer’s and/or Cardholder’s account(s) including the Account and provide products and services the Customer and/or Cardholder may request; ¡ ◾ to better understand the Customer’s and/or Cardholder’s financial situation; ¡ ◾ to determine the Customer’s and/or Cardholder’s eligibility for products and services the Bank offers; ¡ ◾ to help the Bank better understand the current and future needs of its clients; ¡ ◾ to communicate to the Customer and/or Cardholder any benefit, feature and other information about products and services the Customer and/or Cardholder has with the Bank; ¡ ◾ to help the Bank better manage its business and the Customer’s and/or Cardholder’s relationship with it; ¡ ◾ to maintain the accuracy and integrity of information held by a credit reporting agency; and ¡ ◾ as required or permitted by law. For these purposes, the Bank may: ¡ ◾ make this information available to its employees, its agents and service providers (including those persons and entities providing services under and in connection with RBC programmes described in this Agreement, such persons and entities being referred to herein as “RBC Rewards” or “Caribbean Miles”), wherever located, who are required to maintain the confidentiality of this information; ¡ ◾ share this information with other financial institutions; and ¡ ◾ give credit, financial and other related information to credit reporting agencies who may share it with others. The service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located. Upon the Customer’s and/or Cardholder’s request, the Bank may give this information to other persons. The Bank may also use this information and share it with Royal Bank of Canada (“RBC”) companies (i) to manage its risks and operations and those of RBC companies, (ii) to comply with valid requests for information about the Customer and/or Cardholder from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies know the Customer’s and/or Cardholder’s choices under “Other uses of Customer and/or Cardholder personal information” for the sole purpose of honouring the Customer’s and/or Cardholder’s choices. The Customer and/or Cardholder acknowledges (i) that each RBC company and RBC Rewards Service Provider is bound by the laws of the jurisdiction in which it is located and of the jurisdiction(s) in which it conducts business, and accordinglyaccordingly (ii) that information received by an RBC company or the RBC Rewards Service Provider is necessarily subject to disclosure in accordance with the laws of such jurisdiction(s). If the Bank has the Cardholder’s relevant tax number, the Bank may use it for tax related purposes if the Cardholder holds a product generating income, and share it with the appropriate government agencies, and the Bank may also share it with credit reporting agencies as an aid to identify the Cardholder. Other uses of Cardholder personal information ◾ The Bank may use this information to promote its products and services, and promote products and services of third parties it selects, which may be of interest to the Cardholder. The Bank may communicate with the Cardholder through various channels, including telephone or email, using the contact information the Cardholder has provided. ◾ The Bank may also, where not prohibited by law, share this information with RBC companies for the purpose of referring the Cardholder to them or promoting to the Cardholder products and services which may be of interest to the Cardholder. The Bank and RBC companies may communicate with the Cardholder through various channels, including telephone or email, using the contact information the Cardholder has provided. ◾ If the Cardholder also deals with RBC companies, the Bank may, where permitted by law, consolidate this information with information they have about the Cardholder to allow the Bank and any of them to manage the Cardholder’s relationship with RBC companies and the Bank’s business. The Cardholder understands that the Bank and RBC companies are separate, affiliated corporations. RBC companies include the Bank’s parent companies, affiliates and subsidiaries, wherever located, which are engaged in the business of providing any one or more of the following services to the public: deposits, loans and other personal financial services; credit, charge and payment card services; trust and custodial services; securities and brokerage services; and insurance services. The Cardholder’s right to access their personal information The Cardholder may obtain access to the information the Bank holds about the Cardholder at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to such information or to ask questions about the Bank’s privacy policies, the Cardholder may do so now or at any time in the future by contacting the Cardholder’s branch. Our privacy policies The Cardholder may obtain more information about the Bank’s privacy policies by calling the Bank or by visiting the Bank’s website at www. xxx.xxx/xxxxxxxxxxxxxxx.

Collection and Use of Personal Information. Collecting your personal information The Bank may from time to time collect financial and other information about the Customer and/or Cardholder such as: ¡ information establishing the Customer’s and/or Cardholder’s identity (for example, name, address, phone number, date of birth, etc.) and the Customer’s and/or Cardholder’s personal background; ¡ information related to Transactions arising from the Customer’s and/ or Cardholder’s relationship with and through the Bank, and from other financial institutions; ¡ information the Customer and/or Cardholder provides on an application for any of the Bank’s products and services; ¡ information for the provision of products and services; and ¡ information about financial behavior such as the Customer’s and/or Cardholder’s payment history and credit worthiness. The Bank may collect and confirm this information during the course of its relationship with the Customer and/or Cardholder. The Bank may obtain this information from a variety of sources, including from the Customer and/ or Cardholder, from service arrangements the Customer and/or Cardholder makes with or through the Bank, from credit reporting agencies and financial institutions, from registries, from references the Customer and/or Cardholder provides to the Bank and from other sources, as is necessary for the provision of the Bank’s products and services. The Customer and/or Cardholder acknowledges receipt of notice that from time to time reports about the Customer and/or Cardholder may be obtained by the Bank from credit reporting agencies, where available. Using Customer and/or Cardholder personal information This information may be used from time to time for the following purposes: ¡ to verify the Customer’s and/or Cardholder’s identity and investigate his or her personal background; ¡ to open and operate the Customer’s and/or Cardholder’s account(s) including the Account and provide products and services the Customer and/or Cardholder may request; ¡ to better understand the Customer’s and/or Cardholder’s financial situation; ¡ to determine the Customer’s and/or Cardholder’s eligibility for products and services the Bank offers; ¡ to help the Bank better understand the current and future needs of its clients; ¡ to communicate to the Customer and/or Cardholder any benefit, feature and other information about products and services the Customer and/or Cardholder has with the Bank; ¡ to help the Bank better manage its business and the Customer’s and/or Cardholder’s relationship with it; ¡ to maintain the accuracy and integrity of information held by a credit reporting agency; and ¡ as required or permitted by law. For these purposes, the Bank may: ¡ make this information available to its employees, its agents and service providers (including those persons and entities providing services under and in connection with RBC programmes described in this Agreement, such persons and entities being referred to herein as “RBC Rewards”), wherever located, who are required to maintain the confidentiality of this information; ¡ share this information with other financial institutions; and ¡ give credit, financial and other related information to credit reporting agencies who may share it with others. The service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located. Upon the Customer’s and/or Cardholder’s request, the Bank may give this information to other persons. The Bank may also use this information and share it with Royal Bank of Canada (“RBC”) companies (i) to manage its risks and operations and those of RBC companies, (ii) to comply with valid requests for information about the Customer and/or Cardholder from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies know the Customer’s and/or Cardholder’s choices under “Other uses of Customer and/or Cardholder personal information” for the sole purpose of honouring the Customer’s and/or Cardholder’s choices. The Customer and/or Cardholder acknowledges (i) that each RBC company and RBC Rewards Service Provider is bound by the laws of the jurisdiction in which it is located and of the jurisdiction(s) in which it conducts business, and accordinglyaccordingly (ii) that information received by an RBC company or the RBC Rewards Service Provider is necessarily subject to disclosure in accordance with the laws of such jurisdiction(s). If the Bank has the Cardholder’s relevant tax number, the Bank may use it for tax related purposes if the Cardholder holds a product generating income, and share it with the appropriate government agencies, and the Bank may also share it with credit reporting agencies as an aid to identify the Cardholder. Other uses of Cardholder personal information ¡ The Bank may use this information to promote its products and services, and promote products and services of third parties it selects, which may be of interest to the Cardholder. The Bank may communicate with the Cardholder through various channels, including telephone or email, using the contact information the Cardholder has provided. ¡ The Bank may also, where not prohibited by law, share this information with RBC companies for the purpose of referring the Cardholder to them or promoting to the Cardholder products and services which may be of interest to the Cardholder. The Bank and RBC companies may communicate with the Cardholder through various channels, including telephone or email, using the contact information the Cardholder has provided. ¡ If the Cardholder also deals with RBC companies, the Bank may, where permitted by law, consolidate this information with information they have about the Cardholder to allow the Bank and any of them to manage the Cardholder’s relationship with RBC companies and the Bank’s business. The Cardholder understands that the Bank and RBC companies are separate, affiliated corporations. RBC companies include the Bank’s parent companies, affiliates and subsidiaries, wherever located, which are engaged in the business of providing any one or more of the following services to the public: deposits, loans and other personal financial services; credit, charge and payment card services; trust and custodial services; securities and brokerage services; and insurance services. The Cardholder may choose not to have the information shared or used for any of these “Other Uses of Your Personal Information” by sending a written notice to the main branch, and the Cardholder will not be refused credit or other services just for this reason. The Cardholder’s right to access their personal information The Cardholder may obtain access to the information the Bank holds about the Cardholder at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to such information or to ask questions about the Bank’s privacy policies, the Cardholder may do so now or at any time in the future by contacting the Cardholder’s branch. Our privacy policies The Cardholder may obtain more information about the Bank’s privacy policies by calling the Bank or by visiting the Bank’s website at xxx.xxx.xxx/ privacysecurity.

Collection and Use of Personal Information. Collecting your personal information The Bank may from time to time collect financial and other information about the Customer and/or Cardholder such as: ¡ ◾ information establishing the Customer’s and/or Cardholder’s identity (for example, name, address, phone number, date of birth, etc.) and the Customer’s and/or Cardholder’s personal background; ¡ ◾ information related to Transactions arising from the Customer’s and/ or Cardholder’s relationship with and through the Bank, and from other financial institutions; ¡ ◾ information the Customer and/or Cardholder provides on an application for any of the Bank’s products and services; ¡ ◾ information for the provision of products and services; and ¡ ◾ information about financial behavior such as the Customer’s and/or Cardholder’s payment history and credit worthiness. The Bank may collect and confirm this information during the course of its relationship with the Customer and/or Cardholder. The Bank may obtain this information from a variety of sources, including from the Customer and/ or Cardholder, from service arrangements the Customer and/or Cardholder makes with or through the Bank, from credit reporting agencies and financial institutions, from registries, from references the Customer and/or Cardholder provides to the Bank and from other sources, as is necessary for the provision of the Bank’s products and services. The Customer and/or Cardholder acknowledges receipt of notice that from time to time reports about the Customer and/or Cardholder may be obtained by the Bank from credit reporting agencies, where available. Using Customer and/or Cardholder personal information This information may be used from time to time for the following purposes: ¡ ◾ to verify the Customer’s and/or Cardholder’s identity and investigate his or her personal background; ¡ ◾ to open and operate the Customer’s and/or Cardholder’s account(s) including the Account and provide products and services the Customer and/or Cardholder may request; ¡ ◾ to better understand the Customer’s and/or Cardholder’s financial situation; ¡ ◾ to determine the Customer’s and/or Cardholder’s eligibility for products and services the Bank offers; ¡ ◾ to help the Bank better understand the current and future needs of its clients; ¡ ◾ to communicate to the Customer and/or Cardholder any benefit, feature and other information about products and services the Customer and/or Cardholder has with the Bank; ¡ ◾ to help the Bank better manage its business and the Customer’s and/or Cardholder’s relationship with it; ¡ ◾ to maintain the accuracy and integrity of information held by a credit reporting agency; and ¡ ◾ as required or permitted by law. For these purposes, the Bank may: ¡ ◾ make this information available to its employees, its agents and service providers (including those persons and entities providing services under and in connection with RBC programmes described in this Agreement, such persons and entities being referred to herein as “RBC Rewards”), wherever located, who are required to maintain the confidentiality of this information; ¡ ◾ share this information with other financial institutions; and ¡ ◾ give credit, financial and other related information to credit reporting agencies who may share it with others. The service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located. Upon the Customer’s and/or Cardholder’s request, the Bank may give this information to other persons. The Bank may also use this information and share it with Royal Bank of Canada (“RBC”) companies (i) to manage its risks and operations and those of RBC companies, (ii) to comply with valid requests for information about the Customer and/or Cardholder from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies know the Customer’s and/or Cardholder’s choices under “Other uses of Customer and/or Cardholder personal information” for the sole purpose of honouring the Customer’s and/or Cardholder’s choices. The Customer and/or Cardholder acknowledges (i) that each RBC company and RBC Rewards Service Provider is bound by the laws of the jurisdiction in which it is located and of the jurisdiction(s) in which it conducts business, and accordinglyaccordingly (ii) that information received by an RBC company or the RBC Rewards Service Provider is necessarily subject to disclosure in accordance with the laws of such jurisdiction(s). If the Bank has the Cardholder’s relevant tax number, the Bank may use it for tax related purposes if the Cardholder holds a product generating income, and share it with the appropriate government agencies, and the Bank may also share it with credit reporting agencies as an aid to identify the Cardholder. Other uses of Cardholder personal information ◾ The Bank may use this information to promote its products and services, and promote products and services of third parties it selects, which may be of interest to the Cardholder. The Bank may communicate with the Cardholder through various channels, including telephone or email, using the contact information the Cardholder has provided. ◾ The Bank may also, where not prohibited by law, share this information with RBC companies for the purpose of referring the Cardholder to them or promoting to the Cardholder products and services which may be of interest to the Cardholder. The Bank and RBC companies may communicate with the Cardholder through various channels, including telephone or email, using the contact information the Cardholder has provided. ◾ If the Cardholder also deals with RBC companies, the Bank may, where permitted by law, consolidate this information with information they have about the Cardholder to allow the Bank and any of them to manage the Cardholder’s relationship with RBC companies and the Bank’s business. The Cardholder understands that the Bank and RBC companies are separate, affiliated corporations. RBC companies include the Bank’s parent companies, affiliates and subsidiaries, wherever located, which are engaged in the business of providing any one or more of the following services to the public: deposits, loans and other personal financial services; credit, charge and payment card services; trust and custodial services; securities and brokerage services; and insurance services. The Cardholder may choose not to have the information shared or used for any of these “Other Uses of Your Personal Information” by sending a written notice to the main branch, and the Cardholder will not be refused credit or other services just for this reason. The Cardholder’s right to access their personal information The Cardholder may obtain access to the information the Bank holds about the Cardholder at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to such information or to ask questions about the Bank’s privacy policies, the Cardholder may do so now or at any time in the future by contacting the Cardholder’s branch. Our privacy policies The Cardholder may obtain more information about the Bank’s privacy policies by calling the Bank or by visiting the Bank’s website at xxx.xxx.xxx/ privacysecurity.

Collection and Use of Personal Information. Collecting your personal information The Bank may from time to time collect financial and other information about the Customer and/or Cardholder such as: ¡ information establishing the Customer’s and/or Cardholder’s identity (for example, name, address, phone number, date of birth, etc.) and the Customer’s and/or Cardholder’s personal background; ¡ information related to Transactions arising from the Customer’s and/ or Cardholder’s relationship with and through the Bank, and from other financial institutions; ¡ information the Customer and/or Cardholder provides on an application for any of the Bank’s products and services; ¡ information for the provision of products and services; and ¡ information about financial behavior such as the Customer’s and/or Cardholder’s payment history and credit worthiness. The Bank may collect and confirm this information during the course of its relationship with the Customer and/or Cardholder. The Bank may obtain this information from a variety of sources, including from the Customer and/ or Cardholder, from service arrangements the Customer and/or Cardholder makes with or through the Bank, from credit reporting agencies and financial institutions, from registries, from references the Customer and/or Cardholder provides to the Bank and from other sources, as is necessary for the provision of the Bank’s products and services. The Customer and/or Cardholder acknowledges receipt of notice that from time to time reports about the Customer and/or Cardholder may be obtained by the Bank from credit reporting agencies, where available. Using Customer and/or Cardholder personal information This information may be used from time to time for the following purposes: ¡ to verify the Customer’s and/or Cardholder’s identity and investigate his or her personal background; ¡ to open and operate the Customer’s and/or Cardholder’s account(s) including the Account and provide products and services the Customer and/or Cardholder may request; ¡ to better understand the Customer’s and/or Cardholder’s financial situation; ¡ to determine the Customer’s and/or Cardholder’s eligibility for products and services the Bank offers; ¡ to help the Bank better understand the current and future needs of its clients; ¡ to communicate to the Customer and/or Cardholder any benefit, feature and other information about products and services the Customer and/or Cardholder has with the Bank; ¡ to help the Bank better manage its business and the Customer’s and/or Cardholder’s relationship with it; ¡ to maintain the accuracy and integrity of information held by a credit reporting agency; and ¡ as required or permitted by law. For these purposes, the Bank may: ¡ make this information available to its employees, its agents and service providers (including those persons and entities providing services under and in connection with RBC programmes described in this Agreement, such persons and entities being referred to herein as “RBC Rewards” or “Caribbean Miles”), wherever located, who are required to maintain the confidentiality of this information; ¡ share this information with other financial institutions; and ¡ give credit, financial and other related information to credit reporting agencies who may share it with others. The service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located. Upon the Customer’s and/or Cardholder’s request, the Bank may give this information to other persons. The Bank may also use this information and share it with Royal Bank of Canada (“RBC”) companies (i) to manage its risks and operations and those of RBC companies, (ii) to comply with valid requests for information about the Customer and/or Cardholder from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies know the Customer’s and/or Cardholder’s choices under “Other uses of Customer and/or Cardholder personal information” for the sole purpose of honouring the Customer’s and/or Cardholder’s choices. The Customer and/or Cardholder acknowledges (i) that each RBC company and RBC Rewards Service Provider is bound by the laws of the jurisdiction in which it is located and of the jurisdiction(s) in which it conducts business, and accordinglyaccordingly (ii) that information received by an RBC company or the RBC Rewards Service Provider is necessarily subject to disclosure in accordance with the laws of such jurisdiction(s). If the Bank has the Cardholder’s relevant tax number, the Bank may use it for tax related purposes if the Cardholder holds a product generating income, and share it with the appropriate government agencies, and the Bank may also share it with credit reporting agencies as an aid to identify the Cardholder. Other uses of Cardholder personal information ¡ The Bank may use this information to promote its products and services, and promote products and services of third parties it selects, which may be of interest to the Cardholder. The Bank may communicate with the Cardholder through various channels, including telephone or email, using the contact information the Cardholder has provided. ¡ The Bank may also, where not prohibited by law, share this information with RBC companies for the purpose of referring the Cardholder to them or promoting to the Cardholder products and services which may be of interest to the Cardholder. The Bank and RBC companies may communicate with the Cardholder through various channels, including telephone or email, using the contact information the Cardholder has provided. ¡ If the Cardholder also deals with RBC companies, the Bank may, where permitted by law, consolidate this information with information they have about the Cardholder to allow the Bank and any of them to manage the Cardholder’s relationship with RBC companies and the Bank’s business. The Cardholder understands that the Bank and RBC companies are separate, affiliated corporations. RBC companies include the Bank’s parent companies, affiliates and subsidiaries, wherever located, which are engaged in the business of providing any one or more of the following services to the public: deposits, loans and other personal financial services; credit, charge and payment card services; trust and custodial services; securities and brokerage services; and insurance services. The Cardholder’s right to access their personal information The Cardholder may obtain access to the information the Bank holds about the Cardholder at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to such information or to ask questions about the Bank’s privacy policies, the Cardholder may do so now or at any time in the future by contacting the Cardholder’s branch. Our privacy policies The Cardholder may obtain more information about the Bank’s privacy policies by calling the Bank or by visiting the Bank’s website at www. xxx.xxx/xxxxxxxxxxxxxxx.