Common use of Nature of Information Collected Clause in Contracts

Nature of Information Collected. The Information we collect will vary by product and can change over time. Here are some examples of the type of Information we collect and how they relate to certain purposes. The Information we collect from time to time may include: • Information to identify you such as name, date of birth, contact information, government issued documentation details (for example, a driver’s license), and your background (for example, occupation), or biometric information (for example, your voice print for voice identification); • Information about your financial circumstances such as your income, assets, payment history and credit worthiness; • Information for the provision of products and services (for example, language, travel, lifestyle and other preferences, and information on a loyalty or reward program attached to your product); • Information relating to transactions arising from your relationship with or through us (depending on the product or service, this may include purchase details, details about how you make payments to us or use our products to make payments to others); and • Information about your browsing history and the device you use to browse our websites, mobile applications or other online communications and content and your IP address. Please see our Online Privacy Statement for more information about cookies and similar technologies. We collect Information from various sources including from you directly through applications, correspondence or other communications, through the products and services you use online and offline, from others with your consent such as credit reporting agencies and other lenders, third party databases (including registries, licensing authorities, identification services, telecom providers), references provided by you or other permitted sources. • Health Information - In certain appropriate circumstances, we or others providing services through us may ask for health information for specific services (such as insurance) or requests. This type of Information will not be used for any purpose other than to address the specific service or request. We will not request or use health information to assess a credit application. • Social Insurance Number - Disclosure of Social Insurance Numbers (SIN) to match credit bureau information is optional for credit/charge or other loan products. If you provide your SIN for a credit product, we will use it to match credit bureau/reporting agency information. This allows us to distinguish you from other individuals, particularly those with similar names, and helps ensure the accuracy of the Information collected and reported. • Date of Birth - Date of birth is required in certain circumstances to comply with “know your customer” standards, or for security reasons. It also allows us to determine your eligibility for certain products or services.

Nature of Information Collected. The Information we collect will vary by product and can change over time. Here are some examples of the type of Information we collect and how they relate to certain purposes. The Information we collect from time to time may include: • Information to identify you such as name, date of birth, contact information, government issued documentation details (for example, a driver’s license), and your background (for example, occupation), or biometric information (for example, your voice print for voice identification); • Information about your financial circumstances such as your income, assets, payment history and credit worthiness; • Information for the provision of products and services (for example, language, travel, lifestyle and other preferences, and information on a loyalty or reward program attached to your product); • Information relating to transactions arising from your relationship with or through us (depending on the product or service, this may include purchase details, details about how you make payments to us or use our products to make payments to others); and • Information about your browsing history and the device you use to browse our websites, mobile applications or other online communications and content and your IP address. Please see our Online Privacy Statement for more information about cookies and similar technologies. We collect Information from various sources including from you directly through applications, correspondence or other communications, through the products and services you use online and offline, from others with your consent such as credit reporting agencies and other lenders, third party databases (including registries, licensing authorities, identification services, telecom providers), references provided by you or other permitted sources. • Health Information - In certain appropriate circumstances, we or others providing services through us may ask for health information for specific services (such as insurance) or requests. This type of Information will not be used for any purpose other than to address the specific service or request. We will not request or use health information to assess a credit application. • Social Insurance Number - Disclosure of Social Insurance Numbers (SIN) to match credit bureau information is optional for credit/charge or other loan products. If you provide your SIN for a credit product, we will use it to match credit bureau/reporting agency information. This allows us to distinguish you from other individuals, particularly those with similar names, and helps ensure the accuracy of the Information collected and reported. • Date of Birth - Date of birth is required in certain circumstances to comply with “know your customer” standards, or for security reasons. It also allows us to determine your eligibility for certain products or services. • Email, Text Message and Other Electronic Communications - We may send customer service and marketing communications to you electronically. Examples of customer service include electronic statement, collection and other notices. We may also provide payment due, account balance, approaching credit limit, payment received and other account alerts. • Online Information - We may use online information available through the websites, mobile applications and other online communications and content that you use on its own or combined with other Information we have about you to deliver products and services, prevent fraud, update you about new features and benefits and conduct research and analysis. Please see our Online Privacy Statement for more about how we collect information online about you.

Nature of Information Collected. The Information we collect will vary by product and can change over time. Here are some examples of the type of Information we collect and how they relate to certain purposes. The Information we collect from time to time may include: • Information to identify you such as name, date of birth, contact information, government issued documentation details (for example, a driver’s license), and your background (for example, occupation), ) or biometric information (for example, your voice print for voice identification); • Information about your financial circumstances circumstances, such as your income, assets, payment history and credit worthiness; • Information for the provision of products and services (for example, language, travel, lifestyle and other preferences, and information on a loyalty or reward program attached to your product); • Information relating to transactions arising from your relationship with or through us (depending on the product or service, this may include purchase details, details about how you make payments to us or use our products to make payments to others); and • Information about your browsing history and the device you use to browse our websites, mobile applications or other online communications and content and your IP address. Please see our Online Privacy Statement for more information about cookies and similar technologies. We collect Information from various sources including from you directly through applications, correspondence or other communications, through the products and services you use online and offline, from others with your consent such as credit reporting agencies and other lenders, third party databases (including registries, licensing authorities, identification services, telecom providers), references provided by you or other permitted sources. • Health Information - In certain appropriate circumstances, we or others providing services through us may ask for health information for specific services (such as insurance) or requests. This type of Information will not be used for any purpose other than to address the specific service or request. We will not request or use health information to assess a credit application. • Social Insurance Number - Disclosure of Social Insurance Numbers (SIN) to match credit bureau information is optional for credit/charge or other loan products. If you provide your SIN for a credit product, we will use it to match credit bureau/reporting agency information. This allows us to distinguish you from other individuals, particularly those with similar names, and helps ensure the accuracy of the Information collected and reported. • Date of Birth - Date of birth is required in certain circumstances to comply with “know your customer” standards, or for security reasons. It also allows us to determine your eligibility for certain products or services.

Nature of Information Collected. The Information we collect will vary by product and can change over time. Here are some examples of the type of Information we collect and how they relate to certain purposes. The Information we collect from time to time may include: • Information to identify you such as name, date of birth, contact information, government issued documentation details (for example, a driver’s license), and your background (for example, occupation), ) or biometric information (for example, your voice print for voice identification); • Information about your financial circumstances circumstances, such as your income, assets, payment history and credit worthiness; • Information for the provision of products and services (for example, language, travel, lifestyle and other preferences, and information on a loyalty or reward program attached to your product); • Information relating to transactions arising from your relationship with or through us (depending on the product or service, this may include purchase details, details about how you make payments to us or use our products to make payments to others); and • Information about your browsing history and the device you use to browse our websites, mobile applications or other online communications and content and your IP address. Please see our Online Privacy Statement for more information about cookies and similar technologies. We collect Information from various sources including from you directly through applications, correspondence or other communications, through the products and services you use online and offline, from others with your consent such as credit reporting agencies and other lenders, third party databases (including registries, licensing authorities, identification services, telecom providers), references provided by you or other permitted sources. • Health Information - In certain appropriate circumstances, we or others providing services through us may ask for health information for specific services (such as insurance) or requests. This type of Information will not be used for any purpose other than to address the specific service or request. We will not request or use health information to assess a credit application. • Social Insurance Number - Disclosure of Social Insurance Numbers (SIN) to match credit bureau information is optional for credit/charge or other loan products. If you provide your SIN for a credit product, we will use it to match credit bureau/reporting agency information. This allows us to distinguish you from other individuals, particularly those with similar names, and helps ensure the accuracy of the Information collected and reported. • Date of Birth - Date of birth is required in certain circumstances to comply with “know your customer” standards, or for security reasons. It also allows us to determine your eligibility for certain products or services.

Nature of Information Collected. The Information we collect will vary by product and can change over time. Here are some examples of the type of Information we collect and how they relate to certain purposes. The Information we collect from time to time may include: • (1) Information to identify you such as name, date of birth, contact information, government issued documentation details (for example, a driver’s license)license or other identification, and your background (for example, occupation), or biometric information ) as required by law; (for example, your voice print for voice identification); • 2) Financial Information about your financial circumstances such as your income, assets, payment history and credit worthiness; • (3) Information for the provision of products and services (for example, language, travel, lifestyle and other preferences, ) and information on a loyalty or reward program attached to your product); • (4) Information relating to transactions arising from your relationship with or through us (depending on the product or service, this may include purchase details, details about how you make payments to us or use our products to make payments to others); and • Information about your browsing history and the device you use to browse our websites, mobile applications or other online communications and content and your IP address. Please see our Online Privacy Statement for more information about cookies and similar technologies. We collect Information from various sources including from you directly through applications, correspondence or other communications, through the products and services you use online and offline, from others with your consent such as credit reporting agencies and other lenders, third party databases (including registries, licensing authorities, identification services, telecom providers), references provided by you or other permitted sources. • Health Information - In certain appropriate circumstances, we or others providing services through us may ask for health information Information for specific services (such as insurance) or requests. This type of Information will not be used for any purpose other than to address the specific service or request. We will not request or use health information Information to assess a credit application. • Social Insurance Number - Disclosure of Social Insurance Numbers (SIN) to match credit bureau information is optional for credit/charge or other loan productsWe will review and analyze Information in various ways. If you provide your SIN for a credit productFor example, we will use it monitor transactions using proprietary techniques to match credit bureau/reporting agency informationhelp identify transactions that may be of risk from a credit, fraud or money laundering and terrorist financing perspective. This allows us involves our understanding you and your ordinary use of our products and services in order to distinguish you from other individuals, particularly those with similar names, and helps ensure the accuracy of the Information collected and reported. • Date of Birth - Date of birth is required in certain circumstances to comply with “know your customer” standards, or for security reasonsidentify unusual activity. It also allows includes assessing Information in relation to Information from other sources including our own records to detect suspicious patterns or connections. When we promote and market to you products and services offered by us or other well established companies (“promotions”), each promotion is carefully developed to determine ensure that it meets our standards. We try to make sure these promotions reach only those customers most likely to take advantage of them. To do this, we develop lists for use by us based on Information you have provided us on your eligibility for certain applications, in surveys and other communications, Information derived from how you use our products or servicesthat may indicate purchasing preferences and lifestyle, as well as Information available from external sources including consumer reports. We may also use that Information, along with non-credit Information from external sources, to develop lists that are used by us. The lists used to send you promotions are developed under strict conditions designed to safeguard the privacy of customer information.

Nature of Information Collected. The Information we collect will vary by product and can change over time. Here are some examples of the type of Information we collect and how they relate to certain purposes. The Information we collect from time to time may include: • Information to identify you such as name, date of birth, contact information, government issued documentation details (for example, a driver’s license), and your background (for example, occupation), or biometric information (for example, your voice print for voice identification); • Information about your financial circumstances such as your income, assets, payment history and credit worthiness; • Information for the provision of products and services (for example, language, travel, lifestyle and other preferences, and information on a loyalty or reward program attached to your product); • Information relating to transactions arising from your relationship with or through us (depending on the product or service, this may include purchase details, details about how you make payments to us or use our products to make payments to others); and • Information about your browsing history and the device you use to browse our websites, mobile applications or other online communications and content and your IP address. Please see our Online Privacy Statement for more information about cookies and similar technologies. We collect Information from various sources including from you directly through applications, correspondence or other communications, through the products and services you use online and offline, from others with your consent such as credit reporting agencies and other lenders, third party databases (including registries, licensing authorities, identification services, telecom providers), references provided by you or other permitted sources. • Health Information - In certain appropriate circumstances, we or others providing services through us may ask for health information for specific services (such as insurance) or requests. This type of Information will not be used for any purpose other than to address the addressthe specific service or request. We will not request or use health information to assess a credit application. • Social Insurance Number - Disclosure of Social Insurance Numbers (SIN) to match credit bureau information is optional for credit/charge or other loan products. If you provide your SIN for a credit product, we will use it to match credit bureau/reporting agency information. This allows us to distinguish you from other individuals, particularly those with similar names, and helps ensure the accuracy of the Information collected and reported. • Date of Birth - Date of birth is required in certain circumstances to comply with “know your customer” standards, or for security reasons. It also allows us to determine your eligibility for certain products or services.

Nature of Information Collected. The Information we collect will vary by product and can change over time. Here are some examples of the type of Information we collect and how they relate to certain purposes. The Information we collect from time to time may include: • Information to identify you such as name, date of birth, contact information, government issued documentation details (for example, a driver’s license), and your background (for example, occupation), or biometric information (for example, your voice print for voice identification); • Information about your financial circumstances circumstances, such as your income, assets, payment history and credit worthiness; • Information for the provision of products and services (for example, language, travel, lifestyle and other preferences, and information on a loyalty or reward program attached to your product); • Information relating to transactions arising from your relationship with or through us (depending on the product or service, this may include purchase details, details about how you make payments to us or use our products to make payments to others); and • Information about your browsing history and the device you use to browse our websites, mobile applications or other online communications and content and your IP address. Please see our Online Privacy Statement for more information about cookies and similar technologies. We collect Information from various sources including from you directly through applications, correspondence or other communications, through the products and services you use online and offline, from others with your consent such as credit reporting agencies and other lenders, third party databases (including registries, licensing authorities, identification services, telecom providers), references provided by you or other permitted sources. • Health Information - In certain appropriate circumstances, we or others providing services through us may ask for health information for specific services (such as insurance) or requests. This type of Information will not be used for any purpose other than to address the addressthe specific service or request. We will not request or use health information to assess a credit application. • Social Insurance Number - Disclosure of Social Insurance Numbers (SIN) to match credit bureau information is optional for credit/charge or other loan products. If you provide your SIN for a credit product, we will use it to match credit bureau/reporting agency information. This allows us to distinguish you from other individuals, particularly those with similar names, and helps ensure the accuracy of the Information collected and reported. • Date of Birth - Date of birth is required in certain circumstances to comply with “know your customer” standards, or for security reasons. It also allows us to determine your eligibility for certain products or services. • Email, Text Message and Other Electronic Communications - We may send customer service and marketing communications to you electronically. Examples of customer service include electronic statement, collection and other notices. We may also provide payment due, account balance, approaching credit limit, payment received and other account alerts. • Online Information - We may use online information available through the websites, mobile applications and other online communications and content that you use on its own or combined with other Information we have about you to deliver products and services, prevent fraud, update you about new features and benefits and conduct research and analysis. Please see our Online Privacy Statement for more about how we collect information online about you.

Nature of Information Collected. The Information we collect will vary by product and can change over time. Here are some examples of the type of Information we collect and how they relate to certain purposes. The Information we collect from time to time may include: • Information to identify you such as name, date of birth, contact information, government issued documentation details (for example, a driver’s license), and your background (for example, occupation), or biometric information (for example, your voice print for voice identification); • Information about your financial circumstances circumstances, such as your income, assets, payment history and credit worthiness; • Information for the provision of products and services (for example, language, travel, lifestyle and other preferences, and information on a loyalty or reward program attached to your product); • Information relating to transactions arising from your relationship with or through us (depending on the product or service, this may include purchase details, details about how you make payments to us or use our products to make payments to others); and • Information about your browsing history and the device you use to browse our websites, mobile applications or other online communications and content and your IP address. Please see our Online Privacy Statement for more information about cookies and similar technologies. We collect Information from various sources including from you directly through applications, correspondence or other communications, through the products and services you use online and offline, from others with your consent such as credit reporting agencies and other lenders, third party databases (including registries, licensing authorities, identification services, telecom providers), references provided by you or other permitted sources. • Health Information - In certain appropriate circumstances, we or others providing services through us may ask for health information for specific services (such as insurance) or requests. This type of Information will not be used for any purpose other than to address the specific service or request. We will not request or use health information to assess a credit application. • Social Insurance Number - Disclosure of Social Insurance Numbers (SIN) to match credit bureau information is optional for credit/charge or other loan products. If you provide your SIN for a credit product, we will use it to match credit bureau/reporting agency information. This allows us to distinguish you from other individuals, particularly those with similar names, and helps ensure the accuracy of the Information collected and reported. • Date of Birth - Date of birth is required in certain circumstances to comply with “know your customer” standards, or for security reasons. It also allows us to determine your eligibility for certain products or services. • Email, Text Message and Other Electronic Communications - We may send customer service and marketing communications to you electronically. Examples of customer service include electronic statement, collection and other notices. We may also provide payment due, account balance, approaching credit limit, payment received and other account alerts. • Online Information - We may use online information available through the websites, mobile applications and other online communications and content that you use on its own or combined with other Information we have about you to deliver products and services, prevent fraud, update you about new features and benefits and conduct research and analysis. Please see our Online Privacy Statement for more about how we collect information online about you.