Common use of HOW Clause in Contracts

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 information; the reasons we choose to share; and whether you can limit this sharing. Reasons we can share your personal information Does Service CU 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 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 nonaffiliates to market to you NO We Don’t Share Who is providing this notice? Service Federal Credit Union WHAT WE DO 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 only work with companies that undertake security measures that will protect your non-public 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, and other companies. 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. Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include financial companies with a Service name including Service Financial Advisors, LLC.; Service Insure, LLC.; and Service Capital, LLC. Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we share with can include insurance companies, payment networks, and credit card companies. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include payment networks and credit card companies. UCC Article 4A Disclosures regarding electronic “wholesale credit” transactions subject to Uniform Commercial Code Article 4A Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statement we provide to you. We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (“ACH”) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of New Hampshire, unless it has otherwise specified in a separate agreement that the law of some other state shall govern.

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 information; the reasons we choose MVFCU chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Service CU share? Can you limit this 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 report to credit bureaus YES NO Yes No For our marketing purposes— purposes- to offer our products and services to you YES NO Yes No For joint marketing with other financial companies YES NO Yes No For our affiliates’ everyday business purposes— purposes- information about your transactions and experiences NO We Don’t Share No No For our affiliates’ everyday business purposes— purposes- information about your creditworthiness NO No We Dodon’t Share share For our affiliates to market to you No We don’t share For nonaffiliates to market to you NO No We Dodon’t Share share QUESTIONS? Call 000.000.0000 or 907.694.4891 or write to us at: Matanuska Valley Federal Credit Union, 0000 X. Xxxxxx Street, Xxxxxx AK 99645. Who is providing this notice? Service Matanuska Valley Federal Credit Union WHAT WE DO How does MVFCU 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 only work with companies that undertake security measures that will protect your non-public also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you. How does MVFCU collect my personal information. ? We collect your personal information, for example, when you • Open open an account or deposit money • Pay your bills or apply for a loan • Use apply for any credit union service 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 or pay your bills make deposits to or withdrawals from your accounts We also collect your personal information from others, such as including credit bureaus, affiliates, and bureaus or other companies. Why can’t I limit all sharing? Federal law only gives you the right to limit only • Sharing information sharing as follows: sharing for affiliates’ everyday business purposes—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. Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include financial companies with a Service name including Service Financial Advisors, LLC.; Service Insure, LLC.; and Service Capital, LLC. Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we share with can include insurance companies, payment networks, and credit card companies. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include payment networks and credit card companies. UCC Article 4A Disclosures regarding electronic “wholesale credit” transactions subject to Uniform Commercial Code Article 4A Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statement we provide to you. We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (“ACH”) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of New Hampshire, unless it has otherwise specified in a separate agreement that the law of some other state shall govern.

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 information; the reasons we choose MVFCU chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Service CU share? Can you limit this 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 report to credit bureaus YES NO Yes No For our marketing purposes— purposes- to offer our products and services to you YES NO Yes No For joint marketing with other financial companies YES NO Yes No For our affiliates’ everyday business purposes— purposes- information about your transactions and experiences NO We Don’t Share No No For our affiliates’ everyday business purposes— purposes- information about your creditworthiness NO No We Dodon’t Share share For our affiliates to market to you No We don’t share For nonaffiliates to market to you NO No We Dodon’t Share share QUESTIONS? Call 000.000.0000 or 000.000.0000 or write to us at: Matanuska Valley Federal Credit Union, 0000 X. Xxxxxx Street, Palmer AK 99645. Who is providing this notice? Service Matanuska Valley Federal Credit Union WHAT WE DO How does MVFCU 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 only work with companies that undertake security measures that will protect your non-public also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you. How does MVFCU collect my personal information. ? We collect your personal information, for example, when you • Open open an account or deposit money • Pay your bills or apply for a loan • Use apply for any credit union service 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 or pay your bills make deposits to or withdrawals from your accounts We also collect your personal information from others, such as including credit bureaus, affiliates, and bureaus or other companies. Why can’t I limit all sharing? Federal law only gives you the right to limit only • Sharing information sharing as follows: sharing for affiliates’ everyday business purposes—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. Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include financial companies with a Service name including Service Financial Advisors, LLC.; Service Insure, LLC.; and Service Capital, LLC. Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we share with can include insurance companies, payment networks, and credit card companies. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include payment networks and credit card companies. UCC Article 4A Disclosures regarding electronic “wholesale credit” transactions subject to Uniform Commercial Code Article 4A Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statement we provide to you. We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (“ACH”) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of New Hampshire, unless it has otherwise specified in a separate agreement that the law of some other state shall govern.