Common use of DO WITH YOUR PERSONAL INFORMATION Clause in Contracts

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 checking account information - credit card or other debt and credit history - payment history and transaction history When you are no longer our member, we continue to share your information as described in this notice. How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal infor- mation; the reasons Xxxxxx Heritage Federal Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal does Xxxxxx Heritage Can you information Federal Credit Union limit this share? sharing For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus Yes No For our marketing purposes – to offer our products and services to you Yes No For joint marketing with other financial companies Yes No 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 Questions? Call (000) 000-0000 or go to xxx.xxxxx.xxx What we do How does Xxxxxx Heritage 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.

DO WITH YOUR PERSONAL INFORMATION. Why? Financial companies 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, share and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information that we collect and share depend on the product or service you have with us. This information can include: - Social Security number Number and checking account information - credit card or other debt Date of Birth Address of Residence and credit history - payment history and transaction history Government Issued Identification Transaction History When you are no longer our membercustomer, we continue to share your information as described in this notice. How? All financial companies Financial Companies need to share memberscustomers’ personal information to run their everyday business. In the section below, we list the reasons financial companies Financial Companies can share their memberscustomers’ personal infor- mationinformation; the reasons Xxxxxx Heritage Federal Credit Union Sunrise Banks, N.A. chooses to share; and whether you can limit this the sharing. Reasons we can share your personal does Xxxxxx Heritage information Does Sunrise Banks, N.A. Share? Can you information Federal Credit Union limit this sharesharing? sharing For our everyday business purposes – such as to process your transactionstransaction, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus bureaus. Yes No For our marketing purposes – to offer our products and services to you you. Yes No For joint marketing with other financial companies companies. Yes No For our affiliates’ everyday business purposes – information about your transactions and experiences experiences. Yes No We don’t share For our affiliates’ everyday business purposes – purposes- information about your creditworthiness creditworthiness. No We don’t share For our affiliates to market to you you. No We don’t share For nonaffiliates non affiliates to market to you you. No We don’t share Questions? Call (0-000) -000-0000 or go to xxx.xxxxx.xxx Who we are Who is providing this notice? Sunrise Banks, N.A. What we do How does Xxxxxx Heritage Federal Credit Union Sunrise Banks, N.A. 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.

DO WITH YOUR PERSONAL INFORMATION. FACTS 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: -  Name, address, Social Security number and checking account information - credit card or other debt and credit history - payment history income  Account balances and transaction history  Credit history and credit score When you are no longer our member, we continue to do not share your information except as permitted or required by law as described in this notice. How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal infor- mationinformation; the reasons Xxxxxx Heritage Federal RelyOn Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal does Xxxxxx Heritage information: Does RelyOn Credit Union share? Can you information Federal Credit Union limit this sharemy sharing? sharing For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to and report to credit bureaus Yes No For our marketing purposes – to offer our products and services to you Yes No For joint marketing with other financial companies Yes No 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 non-affiliates’ to market to you No We don’t share For nonaffiliates to market to you No We don’t share Yes Yes Questions? Call (000) 000-0000 or go our menu will prompt you through your choice(s) Visit us online: xxx.xxxxxxxx.xxx Email us at: Xxxxxxxx@xxxxxxxx.xxx Mail the form below Mail In Form Xxxx any/all you want to xxx.xxxxx.xxx limit: Name Address City, State, Zip Member No. Mail to: RelyOn Credit Union 0000 Xxxxx Xxxxx Blvd. Dallas, TX 75325 What we do How does Xxxxxx Heritage Federal RelyOn 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 RelyOn Credit Union collect my personal information? We collect your personal information, for example, when you  Open an account or deposit money  Pay your bills or apply for a loan  You visit our website, provide us information on any online application or transaction, or information you send to us by email  Use your credit or debit card We also collect your personal information from others, including credit bureaus, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit information sharing as follows:  Sharing for affiliates’ everyday business purposes – information about your creditworthiness;  Affiliates from using your information to market to you;  Sharing for non-affiliates 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 choice will apply to everyone on your account.

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 checking income ■ Account balances and account information - credit card or other debt and credit history - payment transactions ■ Payment history and transaction history When you are no longer our membercustomer, we continue to share your information as described in this notice. How? All financial financial companies need to share memberscustomers’ personal information to run their everyday business. In the section below, we list the reasons financial financial companies can share their memberscustomers’ personal infor- mationinformation; the reasons Xxxxxx Heritage Federal Credit Union Bank of Hope chooses to share; and whether you can limit this sharing. Reasons we can share your personal does Xxxxxx Heritage information Does Bank of Hope share? Can you information Federal Credit Union limit this sharesharing? sharing For our everyday business purposes – purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus Yes No For our marketing purposes – purposes— to offer our products and services to you Yes No For joint marketing with other financial financial companies Yes No For our affiliates’ everyday business purposes – information about your transactions and experiences No We don’t share For our affiliatesaffiliates’ everyday business purposes – purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t n't share For our affiliates nonaffiliates to market to you No We don’t n't share For nonaffiliates to market to you No We don’t share Call 000.000.0000 Questions? Call (000) 000-0000 or go to xxx.xxxxx.xxx Who we are Who is providing this notice? BANK OF HOPE What we do How does Xxxxxx Heritage Federal Credit Union Bank of Hope 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 files and buildings. How does Bank of Hope collect my personal information? We collect your personal information, for example, when you ■ open an account or deposit money ■ pay your bills or apply for a loan ■ use your credit or debit card 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. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. ■ Bank of Hope does not share with our affiliates. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ■ Bank of Hope does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ■ Bank of Hope doesn’t jointly market. Other important information Illinois Residents: This policy applies to business and consumer information collected by Bank of Hope. TRUTH IN SAVINGS OTHER FEES AND CHARGES Fee Description Effective November 1, 2019 ACCOUNT FEES *NSF / **UCF Fee (Paid/Returned) - Consumer Accounts (Personal Accounts) $33 each (maximum 5 items per day) (*NSF/**UCF Fees will be waived if the consumer account is overdrawn by a total amount less than $5.) Non-Consumer Accounts (Business Accounts) $33 each *NSF - Non Sufficient Funds **UCF - Uncollected Funds - Funds not available because they are held in accordance with the Bank's Expedited Funds Availability Policy. Item Returned for Post-date/Stale-date $33 each Additional Charge for Negative Ledger Balance Plus 4% per annum on overdrawn amount Charge for Negative Available Balance for Non-Consumer Accounts (Business Accounts) Stop Payment Order (Including Post Dated Check Notice) 17% per annum on uncollected funds (UCF) $20 each if made online $33 each if made in person Deposited Items Returned $12 each Account Balance Certification $20 each Verification of Deposit $20 each Inactive/Dormant Account Same charge as active account Counter Check Issue $1 for 3 checks on one page Account Closed within 90 days from Opening (except Certificate of Deposit Accounts) $20 INDIVIDUAL RETIREMENT ACCOUNTS (IRA) FEES Transfer $15 per transfer MISCELLANEOUS CHARGES Account Statement Copy $5 per statement Checks Drawn On Us Cashed by Non-Customer $5 each Deposit Correction / Adjustment $5 each Courier Service / Messenger Service Cost per trip Electronic Federal Tax Payment $10 each Escheatment Notice $2 each Hold Mail $25 per account per month Legal Process $100 per service Photocopy from Original $1 each (minimum $5) Photocopy from Image or Microfilm $1 each (minimum $5) Statement Reconciliation $25 per hour (minimum $10) Records Research $50 per hour (minimum $10) Telephone Transfer (A written agreement may be required) $5 each if requested through Bank of Hope branch Transfer to Third Party within the Bank $10 each $2 each if requested through TeleBanking ATM/Debit Card Replacement $5 each ATM/Debit Card International Transaction 1% of transaction amount Coin Deposited / Furnished / Exchanged $0.10 per roll / $3.50 per box / $2.50 per bag Wire Transfer Email Notification Service $10 per account per month Overdraft Protection (from Checking, Interest Checking, Money Market or Savings Account) $5 per transfer Savings Bond Redemption $5 each Foreign Currency Exchange for value less than US $300 $10 each $5 each Foreign Currency Exchange Cancellation NEGOTIABLE EXCHANGE INSTRUMENTS Cashier's Check for Customer $5 each WIRE TRANSFER (Correspondent bank charges may be deducted) $15 each Cashier's Check for Non-customer (On-Us check exchange only) Outgoing Wire Transfer – International in US Dollar and Korean Won $25 each Outgoing Wire Transfer – Domestic Outgoing Wire Transfer in foreign currency other than Korean Won $25 each $20 each Outgoing Wire Transfer Fax Request – Domestic or International *Outgoing Wire Transfer fee for each as listed above plus $15 each Incoming Wire Transfer $10 each Outgoing Wire Transfer Amendment / Cancellation $20 each plus beneficiary bank charge Outgoing Wire Transfer Trace $5 each TRUTH IN SAVINGS OTHER FEES AND CHARGES SAFE DEPOSIT BOX SERVICE (Available only to checking account holders with automatic charg e) Small Safe Deposit Box (Annual) 2 x 5 $50 3x5 $55 Medium Safe Deposit Box (Annual) 5 x 5 $100 3 x 10 $120 Large Safe Deposit Box (Annual) 5 x 10 $200 6 x 10 $225 7 x 10 $250 X-Large Safe Deposit Box (Annual) 10 x 10 $400 15 x 10 $450 *Box availability varies by branch locations. Safe Deposit Box Key Deposit $100 Forcible Entry At cost NIGHT DEPOSITORY Night Deposit Service (Annual) $20 Set Up Fee (Non-Refundable) $20 Key Replacement $20 CHECK COLLECTION (Incoming & Outgoing: Correspondent bank charges may be deducted) Domestic & Canadian $30 each International (other than Canadian) $80 each Tracer $5 each Account analysis fees are detailed in the applicable Account Product Disclosure. BANK OF HOPE TRUTH IN SAVINGS – ONLINE ACCOUNT OPENING PRODUCT DISCLOSURE BANK OF HOPE ONLINE CERTIFICATE OF DEPOSIT Rate APY $1,000.00 - $49,999.99 0.15% 0.15% $50,000.00 - $89,999.99 0.20% 0.20% $90,000.00 - $199,999.99 0.25% 0.25% $200,000.00 - $250,000.00 0.25% 0.25% Thank you for choosing the Bank of Hope Online Certificate of Deposit. This account allows you to earn interest at a fixed rate on the funds you leave on deposit for the term of your account. Listed below are important account features and applicable fees. Please read this disclosure for your reference. Once your application is approved and account is opened, a separate product disclosure with detailed account information will be sent to you. Minimum Opening Deposit $1,000.00 Maximum Opening Deposit $250,000.00 Term 12 Months Interest on Funds • Interest will not be compounded. • Accrual of interest begins on the business day you deposit noncash items (i.e. checks). • The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate (annual interest rate divided by 365, or 366 in a leap year) to the principal in the account each day. • Interest will be credited to your account at maturity. • If you close your account before interest is credited, you will receive the accrued interest. Rate Information • Interest rate is fixed for the term. • The minimum balance of $1,000.00 is required to obtain the stated Annual Percentage Yield (APY) and maintain the account. • The interest rate and APY indicated below are accurate as of 09/20/2021. Transaction Limitations • You may not make any deposits into your account during the term. • You may not make any partial withdrawals during the term. • You may make a deposit or withdrawal once during the grace period. If you take one of these actions, the grace period ends on that day. The grace period begins on the first day after the maturity date and lasts ten (10) calendar days. Early Withdrawal Penalty • An early withdrawal penalty may be imposed for withdrawals made prior to maturity. • The early withdrawal penalty for the 12-month term will be the amount equal to 30 days simple interest. Renewal Policy Automatic Renewal: • This account will automatically renew on the maturity date. If you choose not to renew this account, simply withdraw the funds at maturity or provide written notice within the grace period (ten calendar days). Bank of Hope may also choose not to renew the account by mailing a written notice at least 30 days prior to maturity. If the account is not renewed, interest will not accrue after the final maturity. This account is subject to the same terms and fees, unless otherwise noted above, applicable to other consumer transaction accounts as disclosed in Bank of Hope’s Deposit Account Agreement. Any changes to the above that may adversely affect the accountholder will be disclosed 30 days prior to the effective date. Other terms and fees are subject to change without prior notice except as required by law. For additional fees that may apply to the Bank of Hope Online Certificate of Deposit, please refer to Bank of Hope’s Other Fees and Charges Sheet. Revised September 20, 2021 Page 1 of 1 MEMBER FDIC BANK OF HOPE TRUTH IN SAVINGS – ONLINE ACCOUNT OPENING PRODUCT DISCLOSURE BANK OF HOPE ONLINE MONEY MARKET Thank you for choosing the Bank of Hope Online Money Market. This account offers competitive interest rates and convenient access to the funds in your account. We trust the account you have selected will meet your banking needs. Listed below are important account features and applicable fees. Please read and keep this disclosure for future reference. Minimum Opening Deposit $1,000.00 Maximum Opening Deposit $250,000.00 Service/Transaction Charge • $10.00 monthly service charge. • $10.00 per debit that exceeds six (6) withdrawals and/or transfers each monthly statement period, to another account at Bank of Hope or to a third party by means of a preauthorized or automatic transfer, check, draft, point‐of‐sale by ATM/Debit card, telephone(including data transmission) and/or Online/Internet Banking or similar orders. How to Waive the Service Charge Maintain $1,000.00 average daily balance per statement period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. How to Reduce the Service Charge $3.00 credit towards your monthly service charge when enrolled in eStatement. Interest Rate Information Your interest rate and annual percentage yield (APY) may change daily. At our discretion we may change the interest rate for your account at any time. There will be no limit to the amount of the change. The interest rate and APY indicated on this disclosure are accurate as of 12/14/2020. If your daily balance ranges between: Rate APY $ 0.01 ‐ $ 49,999.99 0.01% 0.01% $ 50,000.00 ‐ $ 99,999.99 0.01% 0.01% $ 100,000.00 ‐ $ 249,999.99 0.05% 0.05% $ 250,000.00 ‐ $ 250,000.00 0.10% 0.10% Interest Compounding and Crediting Frequency • Interest will not be compounded, and accrued interest will be credited to your account monthly. • The daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account at the end of each day. We will use an interest accrual basis of 365 (or 366 in a leap year) for each day in the year. • Accrual of interest begins on the business day you deposit noncash items (for example, checks). • Accrued interest is forfeited if the account is closed before the interest is credited to the account. • Fees may reduce earnings on the account. Bank of Hope reserves the right to change your account to a product more suitable for your needs based on account activities. This account is subject to the same terms and fees, unless otherwise noted above, applicable to other consumer transaction accounts as disclosed in Bank of Hope’s Deposit Account Agreement. Any changes to the above that may adversely affect the accountholder will be disclosed 30 days prior to the effective date. Other terms and fees are subject to change without prior notice except as required by law. For additional fees that may apply to the Bank of Hope Online Money Market, please refer to Bank of Hope’s Other Fees and Charges Sheet.

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 Number and checking account information - credit card or other debt and credit history - payment income • Transaction history and transaction account balances • Transaction or loss history and payment history When you are no longer our membercustomer, we continue to share your information as described in this notice. How? All financial companies need to share memberscustomers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their memberscustomers’ personal infor- mationinformation; the reasons Xxxxxx Heritage Federal Credit Union PATRIOT BANK, N.A. chooses to share; and whether you can limit this sharing. How? Does PATRIOT Can you limit this Reasons we can share your personal does Xxxxxx Heritage Can you information Federal Credit Union limit this shareBANK, N.A. sharing? sharing share For our everyday business purposes – — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus Yes No YES NO For our marketing purposes – — to offer our products and services to you Yes No NO We Don’t Share For joint marketing with other financial companies Yes No NO We Don’t Share For our affiliates’ everyday business purposes – — information about your transactions and experiences No experiences. NO We doDon’t share Share For our affiliates’ everyday business purposes – — information about your creditworthiness No NO We doDon’t share Share For our affiliates to market to you No NO We doDon’t share Share For nonaffiliates to market to you No NO We doDon’t share Share Questions? Call 1-888-PATRIOT (000) 0-000-0000 000-0000) or go to xxx.xxxxx.xxx xxx.XxxxXxxxxxx.xxx Privacy Policy for Consumers Who we are Who is providing this notice? PATRIOT BANK, N.A. What we do How does Xxxxxx Heritage Federal Credit Union PATRIOT BANK, N.A. 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.