Common use of Transaction Limitation on All Accounts Clause in Contracts

Transaction Limitation on All Accounts. No member may withdraw any amount on deposit below the amount of their primary or contingent liability to the Credit Union if they are delinquent as borrower, co-maker, or guarantor, without the Credit Union’s written permission. Further, if your account(s) are pledged to us to secure any loan obligation, then you must pay, or, with our permission, renew the loan before any principal or dividends may be withdrawn or transferred. If we allow you to renew a loan secured by such a pledge, you may be required to renew any pledged account or leave the funds on deposit with us until the loan is paid or we specifically release the funds. Rev 06/2017 FACTS WHAT DOES SRP FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: ◼ Social Security number and income ◼ Account balances and payment history ◼ Transaction history and credit history When you are no longer our member, we continue to share your information as described in this notice. How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons SRP Federal Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does SRP Federal Credit Union 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 Yes No For our affiliates’ everyday business purposes— information about your creditworthiness No We don't share For our affiliates to market to you No We don't share For nonaffiliates to market to you No We don't share Questions? Call 000.000.0000 or go to xxx.xxxxxx.xxx Who we are Who is providing this notice? SRP Federal Credit Union and SRP Insurance Services, LLC. What we do How does SRP Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does SRP Federal Credit Union collect my personal information? We collect your personal information, for example, when you ◼ Open an account or deposit money ◼ Pay your bills or apply for a loan ◼ Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only ◼ Sharing for affiliates’ everyday business purposes—information about your creditworthiness ◼ Affiliates from using your information to market to you ◼ Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. ◼ Our affiliates include financial companies, such as SRP Insurance Services, LLC. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ◼ SRP Federal Credit Union does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ◼ Our joint marketing partners include insurance, investment, and financial services companies.

Transaction Limitation on All Accounts. No member may withdraw any amount on deposit below the amount of their primary or contingent liability to the Credit Union if they are delinquent as borrower, co-maker, or guarantor, without the Credit Union’s 's written permission. Further, if your account(s) are pledged to us to secure any loan obligation, then you must pay, or, with our permission, renew the loan before any principal or dividends may be withdrawn or transferred. If we allow you to renew a loan secured by such a pledge, you may be required to renew any pledged account or leave the funds on deposit with us until the loan is paid or we specifically release the funds. Rev 06/2017 PRIVACY DISCLOSURE FACTS WHAT DOES SRP FORT XXXXX FEDERAL CREDIT UNION (FBFCU) DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: ◼  Social Security number and income ◼  Income  Account balances and payment history ◼ Transaction history balances, transaction history, and credit information  Payment history  Assets and investment experience  When you are no longer our membercustomer, we continue to share your information as described in this notice. How? All financial companies need to share memberscustomers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their memberscustomers’ personal information; the reasons SRP Fort Xxxxx Federal Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does SRP Federal Credit Union FBFCU 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 Yes No We don’t share For our affiliates’ everyday business purposes— information about your creditworthiness No We don't n’t share For our non-affiliates to market to you No We don't share For nonaffiliates to market to you No We don't n’t share Questions? : Call 000.000.0000 0.000.000.0000 or go to xxx.xxxxxx.xxx xxx.XxxxXxxxxXXX.xxx Who we are Who is providing this notice? SRP Fort Xxxxx Federal Credit Union and SRP Insurance Services, LLC. What we do How does SRP Fort Xxxxx Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to those employees for whom access is appropriate. How does SRP Fort Xxxxx Federal Credit Union collect my personal information? We collect your personal information, for example, when you ◼  Open an account or deposit money ◼ Pay your bills or apply  Apply for a loan ◼  Use your credit or debit card  Pay your bills  Make deposits or withdrawals from your account  Show your government-issued ID We also collect your personal information from others, such as credit bureaus, affiliates, insurance companies or other companies. companies Why can’t I limit all sharing? Federal law gives you the right to limit only ◼ Sharing sharing for affiliates’ everyday business purposes—information about your creditworthiness ◼ Affiliates affiliates from using your information to market to you ◼ Sharing sharing for nonaffiliates non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing See below for an account I hold jointly with someone else? Your choices will apply to everyone more on your accountrights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. ◼ Our  Fort Xxxxx Federal Credit Union has no affiliates. Non-affiliates include financial companies, such as SRP Insurance Services, LLC. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ◼ SRP  Fort Xxxxx Federal Credit Union does not share with nonaffiliates non- affiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ◼  Our joint marketing partners include insuranceinsurance companies, investmentinvestment companies and direct marketing companies Other important information Notices and “Joint Relationships." Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person (member) has agreed to receive notices and financial services companiesdisclosures electronically, then we can send all such notices and notifications, to the e-mail or Internet address provided by said person; or we shall post or otherwise give notice by posting a notice, providing a link or using such other electronic methods authorized under applicable laws and/or regulations. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.

Transaction Limitation on All Accounts. No member may withdraw any amount on deposit below the amount of their primary or contingent liability to the Credit Union if they are delinquent as borrower, co-maker, or guarantor, without the Credit Union’s written permission. Further, if your account(s) are pledged to us to secure any loan obligation, then you must pay, or, with our permission, renew the loan before any principal or dividends may be withdrawn or transferred. If we allow you to renew a loan secured by such a pledge, you may be required to renew any pledged account or leave the funds on deposit with us until the loan is paid or we specifically release the funds. Rev 06/2017 PRIVACY DISCLOSURE FACTS WHAT DOES SRP FEDERAL US COMMUNITY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. Why? What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: ◼ Social Security number and income transaction history ◼ Account account balances and payment history ◼ Transaction credit history and credit history scores When you are no longer our member, we continue to share your information as described in this notice. How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons SRP Federal US Community Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does SRP Federal US Community Credit Union 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 Yes No We don't share For our affiliates’ everyday business purposes— information about your creditworthiness No We don't share For our affiliates to market to you No We don't share For nonaffiliates to market to you No We don't share Questions? Call 000.000.0000 000-000-0000 or go to xxx.xxxxxx.xxx xxx.xxxxx.xxx PRIVACY DISCLOSURE Who we are Who is providing this notice? SRP Federal US Community Credit Union and SRP Insurance Services, LLC. What we do How does SRP Federal US Community Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does SRP Federal US Community Credit Union 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 deposit money or pay your bills ◼ use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only ◼ Sharing sharing for affiliates’ everyday business 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. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. ◼ Our affiliates include financial companies, such as SRP Insurance Services, LLC. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ◼ SRP Federal Credit Union does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ◼ Our joint marketing partners include insurance, investment, and financial services companies.