Common use of Privacy and Confidentiality Clause in Contracts

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable to consumer accounts only), as well as our online privacy policy, which you agree to review by accessing on our homepage. In addition, we will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permission. Accounts which are “linked” under the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by you.

Privacy and Confidentiality. All Every person on the Credit Union’s premises has the expectation and right that their private and confidential information gathered from you in connection with using the Service will be governed protected and remain private and confidential. Thus, the Credit Union prohibits any photography, filming or recording of any type using any device that has or may have the potential to record by any means on any Credit Union premises, including at or near any ATM or other device which may display or allow determination of confidential information without the provisions Credit Union’s prior express permission. Violation of this provision shall be grounds for enforcement of all options under section titled ‘Termination or Restrictions of Accounts and Services and Standards of Conduct and Behavior’ located in this Agreement. The Credit Union’s general privacy policy is provided later in this Agreement or via a separate disclosure provided at account opening. Agreed Exception to Privacy Restrictions – Fraud or Financial Exploitation: It is agreed that fraud and financial exploitation are serious matters that can expose both members and the Credit Union to risks and losses. This particularly affects the elderly but can harm anyone. To help combat suspected fraud and financial exploitation it is agreed that the Credit Union may report such suspicions to persons (including but not limited to family members) who we in good faith believe may be Deposits to Your Account(s) and Instruments Paid and/or Cashed: Funds may be deposited to any account, in any manner that is acceptable to us. Deposits may be made by mail, in person at any of our consumer privacy policy (applicable branches having facilities to consumer accounts only)accept deposits, as well as or by direct deposit or by other electronic funds transfer allowed by us. Endorsements: You authorize us, in our online privacy policysole discretion, which you agree to review by accessing on our homepage. In additionaccept transfers, we will disclose information to third parties about your account or the transfers you make: • Where it is necessary checks, and other items for completing transfers; • In order to verify the existence and condition deposit into any of your account for a third partyaccounts if they are made payable to, such as a credit bureau or merchant; • In to the order to comply with government agency of any one or court orders; or • If you give us your written permission. Accounts which are “linked” under more owners on the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Accountaccount, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used endorsed by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Serviceall payees. You agree to change endorse all passwords items pursuant to applicable laws and regulations. If any endorsement or any other markings you or any prior endorser has made on the check cause any delay or error in processing the item for payment, you will be responsible for any loss incurred by us due to the delay or error. Substitute Checks: You agree not to deposit any substitute check or similar item that you have created, or for which any other financial institution has provided any substitute check warranties and indemnity. If you do so, you agree to indemnify us for all losses we incur in connection with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 daysthe substitute check or item. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include deposit any supplemental authentication tools that are used by yousubstitute check without our consent.

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable to consumer accounts only), as well as our online privacy policy, which you agree to review by accessing on our homepage. In addition, we will disclose information to third parties about your account or the transfers you make: •  Where it is necessary for completing transfers; •  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; •  In order to comply with government agency or court orders; or •  If you give us your written permission. Accounts which are “linked” under the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by you.

Privacy and Confidentiality. All the borrower’s personal information gathered from you in connection with using the Service will shall be governed treated as private and confidential (even when he/she is no longer our customer) and shall be guided by the provisions following principles and policies. The Company shall not reveal information or data relating to your accounts to anyone, including other companies in the group, other than in the following exceptional cases : ❖ If the information is to be given by law; ❖ If there is a duty towards the public to reveal the information; ❖ If the Company's interests require to give the information (for example, to prevent fraud) but the same will not be used by the Company as a reason for giving to anyone else, including other entities in the group, for marketing purposes without customers’ permission; ❖ If the customer ask the Company to reveal the information, or with his / her permission by acceptance of our consumer privacy policy (applicable the terms and conditions of the loan agreement, to consumer accounts only), as well as our online privacy policy, which you agree to review by accessing on our homepage. In addition, we will disclose provide such information to our associates companies when we have tie-up arrangements for providing other financial service products; ❖ If the Court / authorities so direct or required by any regulatory authority(ies) including reference agencies or CIBIL etc. ❖ If the third parties about your account or party acquires on its on without the transfers you make: • Where it is necessary for completing transfersCompany's involvement; • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; • In order to comply with government agency or court orders; or • ❖ If you give us your written permissionprovided by someone else inadvertently. Accounts which Credit reference agencies Customer are “linked” under the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not hereby informed that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time of opening a new account, the Accounts are linked Company will pass his / her account details to credit reference agencies and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained the checks the Company may undertake in this Agreement regard. The Company will provide information to credit reference agencies about the personal debts, the customer owe to it if : ❖ He/she have fallen behind with the payments ❖ The amount owed is not in dispute; and ❖ He /she have not made satisfactory proposal for repaying the debt, following the Company's formal demand. In these cases, the Company shall intimate customer in writing its plan to give information about the debts he/she owe it to credit reference agencies. At the same time, the Company shall explain to the customer the role of the credit reference agencies and the effect the information they provide can have on your ability to get credit. The Company may give credit reference agencies other information about the customer’s account if he/she has given permission to do so. The Company shall provide the customer with a copy of the information which the Company has given to the credit reference agencies about the customer, if so demanded by him/ her. Whenever loans are given, XXXXXX would explain to the customer the repayment process by way of amount, tenure and periodicity of repayment. However if the customer does not adhere to repayment schedule, a defined process in accordance with the laws of the land shall be followed for recovery of dues. The process will involve reminding the customer by sending him/her notice or by making personal visits and / or repossession of security, if any. MRHMFL staff or any person authorized to represent the company in any supplemental agreements that may collection of dues or/and security repossession shall identify himself / herself and display the authority letter issued by the MRHMFL and upon request, display his/her identity card issued by the MRHMFL or under authority of the MRHMFL. The company shall provide the customers with all the information regarding overdue. All assistance shall be required by usgiven to resolve disputes or differences regarding dues in a mutually acceptable and in an orderly manner. During your enrollment visits to customer's place for the Servicesdues collection, you are required to select or will decency and decorum shall be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by youmaintained.

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of It is our consumer privacy general policy (applicable to consumer accounts only), treat your Account Information as well as our online privacy policy, which you agree to review by accessing on our homepageconfidential. In additionHowever, we will disclose information to third parties about your account Account or the transfers transactions you make: • make in the following situations either pursuant to our Privacy Notice, Digital Privacy Policy and in the following circumstances: a. Where it is necessary for completing transfers; • transactions; b. Where it is necessary for activating additional Services; c. In order to verify the existence and condition of your account for to a third party, such as a credit bureau or merchant; • Xxxxxx; d. To a consumer reporting agency; e. To a collection agency; f. In order to comply with government a governmental agency request or inquiry or court orders; or • or, g. If you give us your written permission. Accounts For Personal Account customers, we provided our Privacy Notice to you when you opened your Account. We also provide our Privacy Notice to you annually, to the extent required by applicable law. Please review our Privacy Notice and Digital Privacy Policy carefully. You understand and agree that BMO Xxxxxx is not responsible for the use of your personal and financial information by third parties, if any, that you authorize to have access to Total Look or your personal and financial information. Our Privacy Notice and Digital Privacy Policy does not apply to third party sites from which you aggregate Account Information through Total Look. You should read the privacy policies of all the companies from which you will instruct us to aggregate Account Information. After we obtain Account Information from third party sites, that Account Information is subject to our Privacy Notice and Digital Privacy Policy. Subject to the foregoing, you are “linked” under licensing to the Bank any information, data, passwords, materials, or other information you provide through or to the Bank and the Services. We may modify, display, distribute, and create new material using such information but only to provide the Services must have identical ownersto you. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for By submitting information through the Services, you automatically agree or promise that you are required the owner of such information or you have the right to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include provide us with this information for a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by youlegitimate purpose.

Privacy and Confidentiality. All information gathered from (a) Uber, UTI, and their Affiliates will comply with the terms and conditions of the Privacy Notice, currently available at <xxxxx://xxxxxxx.xxxx.xxx/policy>, including in their collection, use and processing of your Personal Data. This includes your location data, which you must provide to enable the Driver App to receive Requests and record your Transportation Services. (b) You must comply with all Applicable Law governing data protection and privacy in connection with using the Service will be governed by the provisions of our consumer privacy policy Transportation Services and your activities under this Agreement. (applicable to consumer accounts only), as well as our online privacy policy, which you c) You agree to review by accessing on our homepage. In addition, we will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permission. Accounts which are “linked” under the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence performance of this Agreement, you may receive from Uber, UTI, or their Affiliates confidential information of Uber, UTI, or their Affiliates, or about third parties (“Confidential Information”). As Confidential Information includes Personal Data, Uber Data, Rider information (e.g., name and address), and other non-public information that is either expressly designated as confidential or that you reasonably should know should be treated as confidential. You agree that you will not use, disclose, publish, or retain Confidential Information except as necessary to commercial accounts fulfil your obligations under this Agreement, as necessary to provide Transportation Services, or as required by Applicable Law. (as applicable)d) Nothing in this section prevents you from separately contacting a Rider using information you have obtained outside of Confidential Information, or establishing a separate business relationship with a Rider, outside of this Agreement. (e) You are responsible for maintaining the integrity of information relating to your access to and use of the Driver App, including any password, login, or key information. To ensure the safety and security of the Uber Rides Platform and your Driver Account, you represent and warrant at all times that you have authorization from the Account owner will not share your password, login, or key account information with any third party. If you think anyone has obtained improper access to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access your account, login credentials, or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for the Servicespersonal information, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating notify Uber and to change your identity and electronic communications in password immediately so that Uber may take appropriate steps to secure your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the ServiceDriver Account. You agree to change all passwords with sufficient frequency so as to protect confidentialitythat Uber, UTI, and in their Affiliates are not responsible for any event no less frequently than every 90 dayslosses arising from your sharing of account credentials with a third party, including phishing. You can visit <xxxx.xxxx.xxx> for more information about securing your account. (f) You agree to keep all Security Codes confidential; that Uber and its Affiliates may contact you agree not to write them down. Passwords should not be easy to guess: for exampleby email, your children’s telephone or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include text message (including by an automatic telephone dialling system) at any supplemental authentication tools that are used of the contact information provided by you, or on your behalf, in connection with your Driver Account.

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of ‌ It is our consumer privacy general policy (applicable to consumer accounts only), treat your Account Information as well as our online privacy policy, which you agree to review by accessing on our homepageconfidential. In additionHowever, we will disclose information to third parties about your account Account or the transfers transactions you make: • make in the following situations either pursuant to our Privacy Notice, Digital Privacy Policy and in the following circumstances: a. Where it is necessary for completing transfers; • transactions; b. Where it is necessary for activating additional Services; c. In order to verify the existence and condition of your account for to a third party, such as a credit bureau or merchant; • Xxxxxx; d. To a consumer reporting agency; e. To a collection agency; f. In order to comply with government a governmental agency request or inquiry or court orders; or • or, g. If you give us your written permission. Accounts For Personal Account customers, we provided our Privacy Notice to you when you opened your Account. We also provide our Privacy Notice to you annually, to the extent required by applicable law. Please review our Privacy Notice and Digital Privacy Policy carefully. You understand and agree that BMO Harris is not responsible for the use of your personal and financial information by third parties, if any, that you authorize to have access to Total Look or your personal and financial information. Our Privacy Notice and Digital Privacy Policy does not apply to third party sites from which you aggregate Account Information through Total Look. You should read the privacy policies of all the companies from which you will instruct us to aggregate Account Information. After we obtain Account Information from third party sites, that Account Information is subject to our Privacy Notice and Digital Privacy Policy. Subject to the foregoing, you are “linked” under licensing to the Bank any information, data, passwords, materials, or other information you provide through or to the Bank and the Services. We may modify, display, distribute, and create new material using such information but only to provide the Services must have identical ownersto you. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for By submitting information through the Services, you automatically agree or promise that you are required the owner of such information or you have the right to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include provide us with this information for a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by youlegitimate purpose.

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable to consumer accounts only), as well as our online privacy policy, which you agree to review by accessing on our homepagehomepage at xxx.xxx. In addition, we will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permission. Accounts We may, in our sole discretion, make available to you the ability to grant our employees and our service providers with real- time access to your sessions in connection with the Service (“Shadow Access”). You acknowledge and agree that any Shadow Access by our employees or our service providers will only be activated upon your authorization which are “linked” under may be provided by you or on your behalf by any one of the Services must have identical ownersauthorized users on your Account. Any signer on any linked AccountOnce Shadow Access is granted, acting aloneit will be limited to the session then open by you or your authorized user, at the time of the authorization. Each new session opened will require a new authorization for Shadow Access. You acknowledge that the purpose of Shadow Access is authorized to provide assistance to you when trouble-shooting systems questions presented by you to access and use Services for any other linked Account, whether us or not that person would be authorized our service provider as it relates to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You expressly agree that you will maintain a physical presence at the computer terminal to change all passwords with sufficient frequency so as to protect confidentialitywhich Shadow Access is granted, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to timethe complete duration of the session. If you choose not fail to implement supplemental authentication toolsmaintain an authorized presence during the complete duration of the session, your you assume all risk associated with unauthorized access to some your information and the Services. In addition to the protections otherwise available to us under this Agreement, you agree to indemnify and hold us, our affiliates, licensors, processors, third party contractors and vendors, and their respective directors, officers, shareholders, employees and agents, harmless from and against any and all claims, loss or all Services may be limited. The term “Security Codes” will include damage of any supplemental authentication tools that are used by younature whatsoever (including but not limited to attorneys' fees and court costs) arising directly or indirectly out of the Shadow Access.

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable to consumer accounts only)policy, as well as our online privacy policy, which you agree to review by accessing on our homepagewebsite. In addition, we will disclose information to third parties about your account Account or the transfers you make: •  Where it is necessary for completing transfers; •  In order to verify the existence and condition of your account Account for a third party, such as a credit bureau or merchant; •  In order to comply with government agency or court orders; or •  If you give us your written permission. Accounts which are “linked” under the Services must have identical ownersa common owner. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable)Notwithstanding the foregoing, you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During Except as otherwise provided in this Agreement for business accounts, during your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, credentials will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event . We recommend no less frequently than every 90 daysonce per year. You agree to keep all Security Codes passwords confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by you. If you believe your password has been lost or stolen: You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your account without your permission. For consumer accounts, refer to the section below titled “Provisions Specific to Consumer Accounts” for more information concerning errors and unauthorized transactions. You may send any notice or communication that you are required or permitted to give the Bank under this Agreement by U.S. mail, to: Bank of Marin, P.O. Box 2039, Novato, CA 94948-2039. To the extent permitted by applicable law, any such notice or communication, regardless of how delivered to us, will not be effective until we receive and have had a reasonable opportunity to act upon such notice or communication. You authorize us to, and you agree that we may, send any notice or communication to you via paper or electronic means. These include a change in terms notice, termination of a Service or Services notice, and rejection or acceptance of a payment transfer instruction. Electronic means may include e-mail (to your e-mail address, as it appears on the Bank’s records), postings on our website, and postings through our Secure Message Center, referenced below. You agree that notice or communication via electronic means will be effective and deemed delivered to you when we make the notice of communication available to you in such a manner. You agree to notify us promptly about any changes in your e-mail or mailing address. Further, you acknowledge and agree that no such change will be effective until we have had a reasonable opportunity to act upon such notice.

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy (applicable to consumer accounts only)policy, as well as our online privacy policy, which you agree to review by accessing on our homepagehomepage at xxxxx://xxxxxxxxxxxxxxx.xxxx/page/privacy-policy. In addition, we will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third party, such as a credit credi t bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permission. Accounts which are “linked” under the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you You represent and warrant that you have authorization auth orization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for the Services, you are required to select or will be assigned assigne d certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security CodesCredentials, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 daysonce per year. You agree to keep all Security Codes confidential; you agree not to disclose your Credentials to anyone and to take other reasonable precautions to ensure the safety, security and integrity of transactions conducted with your computer or mobile device (for example, do not write them down. Passwords should not be easy to guess: for example, y our name, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. NOTE: Some browser software may store user names and Credentials to facilitate the future use of a web site. For security reasons, you agree to disable this feature in your browser. Check your browser’s “Help” screen for more information on this feature. For security reasons we may disable your Credentials, for example if they are entered incorrectly several times. Passwords should not be easy to guess: for example, your name, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security CodesCredentials” will include any supplemental authentication tools that are used by you. After three unsuccessful attempts to use your Credentials, we may revoke your access to the Services. To re -establish your access to the Services, you agree to contact us at (805) 965 -5942. If you believe any part of your Credentials, including your password, has been lost or stolen call: (000) 000-0000 Or write: American Riviera Bank P.O. Box 329 Santa Barbara, CA 93102 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Privacy and Confidentiality. All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy Privacy Policy, including the internet Privacy Policy (applicable to consumer accounts only)for the purpose of this Agreement collectively, as well as our online privacy policy, "Privacy Policy") which you agree to review by accessing on our homepage. Your access or use of our website constitutes your agreement to the terms and conditions of our Online Privacy Policy, and our use of information gathered about you in accordance with that policy. Our Privacy Policy may be revised from time to time. We may notify you of the changes by mail, email, or by posting a modified Privacy Policy on our website. Your continued use of our website or any Service following such notification or postings will constitute your acceptance of the revised Privacy Policy. Accordingly, please check our website regularly for revisions to the Privacy Policy. Websites linked to our website may publish separate privacy and security policies in connection with your use of their sites and services. Please refer to their rules whenever you leave our website. In addition, we will disclose information to third parties about your account accounts or the transfers you make: • Where  If it is necessary for completing transfers; • In order transfers or otherwise carrying out your instructions  If it is necessary to verify the existence and condition conditions of your account an Account for a third party, such as a credit bureau bureau, a merchant, or merchantany holder of a check issued by you through the Bill Payment Service; •  In order to comply with laws, government agency rules or orders, court orders, subpoenas or other legal process or in order to give information to any government agency or court ordersofficial having legal authority to request such information; or •  In order to provide you with information about bank products and services that we believe will be of interest to you;  If you otherwise give us your written permission; and  To the extent otherwise permitted or required by law. Accounts which are “linked” under The Bank may disclose information about your account to account verification services, such as Early Warning Services, LLC, for example, if we close your account because of your unsatisfactory handling, fraud or attempted fraud or criminal activity. Information we report usually includes your name, address, Taxpayer Identification Number (TIN), driver's license number and the Services must have identical ownersdate and reason for the report. Any signer on any linked The account verification service may supply this information to others. This may adversely impact your ability to establish an account at another financial institution. AS REQUIRED BY LAW, YOU ARE HEREBY NOTIFIED THAT WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. We may also seek information about you from others, such as credit bureaus, in connection with the opening and maintaining of your Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During approving your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the ServiceSystem, or as part of our on- going relations with you. You agree to change and hereby authorize all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by youthese transfers of information.

Privacy and Confidentiality. All For a full statement of the policies and procedures governing the privacy and security of information gathered you submit to Citi Private Bank or that Citi Private Bank collects about you review the enclosed link: Citi Private Bank Privacy for Consumers (xxxxx://xxx.xxxxxxxxxxx.xxxxxxxx.xxx/privacy.htm). The Citi Private Bank Privacy for Consumers discusses the type of information we may collect from or about you, how we collect such information, and whether and how we disclose this information to any companies within the Citibank family, to service providers, or to third parties. The Citi Private Bank Privacy for Consumers also describes the data protection methods Citi Private Bank employs to help keep your personal information secure. You can communicate electronically with us through a Web site Message Center, which will use secure (i.e., encrypted) e-mail (“Citi Private Bank Web Mail”). Information about the use of Citi Private Bank Web Mail, the Message Center, and the method of encrypting or otherwise securing Citi Private Bank Web Mail sent by or to you in connection with using the Service will be governed available on the Web site. E-mail sent outside of the Web site (“external e-mail”) is not encrypted. You should, therefore, never send any personal or identifying information, such as account numbers, Social Security numbers, notice of change of address, instructions to change or confirm your User Information or any Third Party User Information, or other identification numbers, passwords, etc., to us via external e-mail. We will not be responsible for any loss or damage that arises from interception by third parties of any information you send to us via external e-mail. We may also send you information relating to your accounts and your use of the provisions Web site, including regulatory communications and information about Services and products that we believe may be of our consumer privacy policy interest to you, via external e-mail. We will provide you with a User Name and a secure means of authenticating your identity, which may be a password, digital certificate, "smart card" or other identifier (applicable your User Name, together with your other identity authentication information, is referred to consumer accounts onlyas your “User Information”), as well as our online privacy policyto help protect the security of your account data, which you agree to review by accessing on our homepagesafeguard. In addition, we We will disclose information provide separate User Information (“Third Party User Information”) for each Third Party User to third parties about your account or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; • In order to comply with government agency or court orders; or • If you give us your written permission. Accounts which are “linked” under the Services must have identical owners. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that whom you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give granted access to your Accounts through accounts. Your User Information is your private entry key into the ServiceWeb site. You should never share it with anyone, including any Third Party Users. Identifier requirements and procedures for changing your User Information from time to time will be provided on the Web site. We will not be responsible for any breach of security caused by your failure to maintain the confidentiality of your User Information or any Third Party User Information. We reserve the right to change your User Information at any time by giving notice to you. You agree to change notify us immediately in the event of the loss or theft of any or all passwords with sufficient frequency so as to protect confidentialityof your User Information or any Third Party User Information, and or if you believe the confidentiality of all or any of your User Information or any Third Party User Information has been compromised in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; way, or if you agree not to write them down. Passwords should not be easy to guess: for example, your children’s learn about a possible or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to actual unauthorized use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by youof the Services.

Privacy and Confidentiality. All We will keep any information gathered from you in connection your direct debit authority confidential (including information about your bank or financial institution account or credit card). We will only disclose it: • when we need to, in order to carry out the direct debit • if we are required to do so by law, court order or by the order of a tribunal, or • if we are asked to do so to assist an investigation into an alleged incorrect debit. • We will collect and use your personal information in accordance with using our Privacy Policy (available at www. xxxxxxx.xxx.xx) and the Service Privacy Act 1988 (Cth). You may access your personal information by contacting us. By entering into this Direct Debit Request you: • acknowledge and agree that the debit amount will be governed debited from your account as specified by your Membership Confirmation Email or Membership Application Form, this Agreement and your Workout Membership Agreement. • represent to us that your bank account details have been verified against a recent bank statement to ensure accuracy of the details provided and your bank or financial institution account permits direct debits. If uncertain you should contact your financial institution. • acknowledge that is your responsibility to ensure that there is sufficient cleared funds in the nominated account by the provisions of our consumer privacy policy due date to enable the direct debit to be honoured on the debit date. Direct debits normally occur overnight; however transactions can take up to three (applicable to consumer accounts only)3) business days depending on your financial institution. You acknowledge and agree that sufficient funds will remain in the nominated account until the direct debit amount has been debited from the account and that if there are insufficient funds available, as well as our online privacy policy, which you agree that Workout Indooroopilly will not be held responsible for any fees and charges that may be charged by your financial institution. • acknowledge that there may be a delay in processing if there is a public or bank holiday on the day, or any day after the debit date. Any payments that fall due on any of those days will be processed on the next business day. • represent that all bank or financial account or credit card holders have signed and agreed to review the direct debit arrangement. You also acknowledge and agree that: • Workout Indooroopilly may vary the debit amount of the payments from time to time as provided for in the Workout Indooroopilly Membership Terms & Conditions. • the total amount billed will be for the specified period for this and/or subsequent agreements and/or amendments. • Workout Indooroopilly will provide 14 days’ notice if proposing to vary the terms of the debit arrangements (and we may do so earlier if you agree). • You may cancel your direct debit arrangement by accessing on our homepagecalling us or writing to us at least 10 business days before the due date of your next payment. In addition• If you notify us of the cancellation, we will disclose information use reasonable endeavours to third parties about cancel any pending direct debits as soon as practicable. • You must notify us as soon as practicable if you cancel your account direct debit arrangement by notifying your bank or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; • In order to comply with government agency or court orders; or financial institution. • If you want to change your bank account, credit card or personal details, you must give us a new authority at least 10 business days before the due date of your written permissionnext payment. Accounts which You must arrange an alternative payment method if your direct debit arrangement is cancelled. If you believe that money has been debited incorrectly, or if you have any questions about changing or cancelling your direct debit arrangements, please call or email Workout Indooroopilly. If no resolution is forthcoming you are “linked” under the Services must have identical ownersadvised to contact your financial institution. Any signer on any linked AccountYou acknowledge that if a debit is returned by your financial institution as unpaid, acting alone, is authorized by you to access and use Services will be responsible for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent fees and warrant that you have authorization from the Account owner to engage in charges for each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are unsuccessful debit in addition to any others contained in this Agreement or in financial institution charges and collection fees, including and not limited to any supplemental agreements that may be required solicitor fees and collection agent fees appointed by usWorkout Indooroopilly. During your enrollment for the Services, you are required You authorise Workout Indooroopilly to select or will be assigned certain numbers, codes, marks, signs, public keys attempt to re-process any unsuccessful payments as advised by Workout Indooroopilly. Any dishonour fee or other means of authenticating your identity bank fees and electronic communications in your name. These charges may include a customer number, logon name, and password. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so apply also apply as to protect confidentiality, and in any event no less frequently than every 90 days. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used instructed by youWorkout Indooroopilly.