Common use of Why Clause in Contracts

Why. 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 investment experience • Assets and income • Account balances and account transactions When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Xxxxxxx Xxxxx chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Xxxxxxx Xxxxx 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 Call 0-000-000-0000 or go to xxx.xxxxxxxxxxxx.xxx Who is providing this notice? See the Xxxxxxx Xxxxx U.S. legal entities noted below. How does Xxxxxxx Xxxxx 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 Xxxxxxx Xxxxx collect my personal information? We collect your personal information, for example, when you • open an account or perform transactions • make a wire transfer or tell us where to send money • tell us about your investment or retirement portfolio We also collect your personal information from others such as credit bureaus, affiliates and 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. See below for more on your rights under state law. Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Xxxxxxx Xxxxx or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Xxxxxxx Xxxxx does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Financial advisors (“FA”) may change brokerage and/or investment advisory firms and the nonpublic personal information collected by us and your FA may be provided to the new firm so your FA can continue to service your account(s). If you do not want your FA to take or receive this information, please call 000-000-0000 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firm, and in those states you must give your written consent before the FA can take or receive your nonpublic information. You can withdraw this consent at any time by contacting 000-000-0000.

Why. 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 investment experience • Assets and income • Account balances and account transactions When you are no longer our customer, we continue to share your information as described in this notice. payment history • Credit history and credit scores All financial companies need to share customersmembers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customersmembers’ personal information; , the reasons Xxxxxxx Xxxxx EECU chooses to share; , and whether you can limit this sharing. Reasons we can share your personal information Does Xxxxxxx Xxxxx share? Can you limit this sharing? For our everyday business purposes— such as to purposes 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 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 purposes Information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information purposes Information about your creditworthiness No We don’t share Yes Yes For our affiliates to market to you No We don’t share Yes Yes For nonaffiliates to market to you No We don’t Yes Yes Call 000-000-0000 or 0-000-000-0000. Our menu will prompt you through your choice(s).Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or go to xxx.xxxxxxxxxxxx.xxx visit xxxx.xxx. Who is providing this notice? See the Xxxxxxx Xxxxx U.S. legal entities noted below. EECU What we do How does Xxxxxxx Xxxxx EECU 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 Xxxxxxx Xxxxx EECU collect my personal information? We collect your personal information, for example, when • you • open an account or perform transactions • make a wire transfer or tell us where to send deposit money • tell us about you pay your investment bills or retirement portfolio apply for a loan • you use your credit or debit card We also collect your personal information from others others, such as credit bureaus, affiliates and 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—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. See below What happens when I limit sharing for more an account I hold jointly with someone else? Your choices will apply to everyone on your rights under state lawaccount. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Xxxxxxx Xxxxx or an Eagle EECU name; financial companies such as EECU Investment Services and Texas Business Lenders Group; and nonfinancial companies, such as North Texas Insurance Services. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Xxxxxxx Xxxxx does not Nonaffiliates we share with nonaffiliates so they can market to youinclude mortgage servicing companies, insurance companies, plastic card processors (credit/debit/ATM), credit reporting bureaus, data processors, investment services companies, government agencies, direct marketing companies, financial statement publishers, printers or mail houses, and check/share draft printers. Joint marketing Marketing A formal agreement between nonaffiliated financial companies to provide or that together market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Financial advisors (“FA”) may change brokerage and/or investment advisory firms and the nonpublic personal information collected by us and your FA may be provided to the new firm so your FA can continue to service your account(s). If you do not want your FA to take or receive this informationcard companies, please call 000-000-0000 to opt out of this sharing. Opt-in statesinvestment, such as California and Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firminsurance, and in those states you must give your written consent before the FA can take or receive your nonpublic information. You can withdraw this consent at any time by contacting 000-000-0000other financial services companies.

Why. 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 security number and investment experience • Assets and income • Account accounts balances and account transactions When you are no longer our customer, we continue to share your information as described in this notice. transaction history • credit history and payment history All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; , the reasons Xxxxxxx Xxxxx WaFd Bank chooses to share; , and whether you can limit this the sharing. Reasons we can share your personal information Does Xxxxxxx Xxxxx 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 We don’t share For our affiliates’ everyday business purposes— information Information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information Information about your creditworthiness No We don’t share For our affiliates to market to you No We don’t share Yes Yes For nonaffiliates to market to you No We don’t share Call our Customer Care Center at 0-000-000-0000. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 0-000-000-0000 or go to xxx.xxxxxxxxxxxx.xxx visit our website at xxx.xxxxxxxx.xxx. Who we are Who is providing this notice? See the Xxxxxxx Xxxxx U.S. legal entities noted below. WaFd Bank and its affiliated insurance company, WAFD Insurance What we do How does Xxxxxxx Xxxxx WaFd Bank 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 authorize our employees to obtain your information only when they need it to do their work and we require companies that work for us to protect your information. How does Xxxxxxx Xxxxx WaFd Bank collect my personal information? We collect your personal information, for example, when you you: • open an account or perform transactions • make a wire transfer or tell us where to send deposit money • tell us about pay your investment bills or retirement portfolio apply for a loan • use your credit or debit card We also collect your personal information from others others, such as credit bureaus, affiliates and affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only 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 law and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies What happens when I limit sharing for an account I hold jointly with a Xxxxxxx Xxxxx or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Xxxxxxx Xxxxx does not share with nonaffiliates so they can market someone else? Your choices will apply to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Financial advisors (“FA”) may change brokerage and/or investment advisory firms and the nonpublic personal information collected by you alone unless you tell us and your FA may be provided to the new firm so your FA can continue to service your account(s). If you do not want your FA to take or receive this information, please call 000-000-0000 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firm, and in those states you must give your written consent before the FA can take or receive your nonpublic information. You can withdraw this consent at any time by contacting 000-000-0000otherwise.

Why. 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 investment experience • Assets and income • Account balances and account transactions When you are no longer our customer, we continue to share your information as described in this notice. payment history • Credit history and credit scores All financial companies need to share customersmembers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customersmembers’ personal information; , the reasons Xxxxxxx Xxxxx EECU chooses to share; , and whether you can limit this sharing. Reasons we can share your personal information Does Xxxxxxx Xxxxx share? Can you limit this sharing? For our everyday business purposes— such as to purposes 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 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 purposes Information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information purposes Information about your creditworthiness No We don’t share Yes Yes For our affiliates to market to you No We don’t share Yes Yes For nonaffiliates to market to you No We don’t Yes Yes Call 000-000-0000 or 0-000-000-0000. Our menu will prompt you through your choice(s). Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or go to xxx.xxxxxxxxxxxx.xxx visit xxxx.xxx. Who is providing this notice? See the Xxxxxxx Xxxxx U.S. legal entities noted below. EECU What we do How does Xxxxxxx Xxxxx EECU 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 Xxxxxxx Xxxxx EECU collect my personal information? We collect your personal information, for example, when • you • open an account or perform transactions • make a wire transfer or tell us where to send deposit money • tell us about you pay your investment bills or retirement portfolio apply for a loan • you use your credit or debit card We also collect your personal information from others others, such as credit bureaus, affiliates and 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—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. See below What happens when I limit sharing for more an account I hold jointly with someone else? Your choices will apply to everyone on your rights under state lawaccount. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Xxxxxxx Xxxxx or an Eagle EECU name; financial companies such as EECU Investment Services and Texas Business Lenders Group; and nonfinancial companies, such as North Texas Insurance Services. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Xxxxxxx Xxxxx does not Nonaffiliates we share with nonaffiliates so they can market to youinclude mortgage servicing companies, insurance companies, plastic card processors (credit/debit/ATM), credit reporting bureaus, data processors, investment services companies, government agencies, direct marketing companies, financial statement publishers, printers or mail houses, and check/share draft printers. Joint marketing Marketing A formal agreement between nonaffiliated financial companies to provide or that together market financial products or services to you. • Our joint marketing partners may include banks credit card companies, investment, insurance, and credit unionsother financial services companies. Financial advisors You have requested EECU’s online services where you can apply for membership in EECU, open accounts, request financial products and services, conduct transactions electronically, and sign documents electronically including, but not limited to those pertaining to, financial products and services, online banking, online bill pay, and loans (collectively, “FAOnline Services”) may change brokerage and/or investment advisory firms and the nonpublic personal information collected by us and your FA may be provided to the new firm so your FA can continue to service your account(s). If By utilizing any of the Online Services, you do agree that EECU may, but is not want your FA obligated to, send any and all communications to take or receive this informationyou electronically (collectively referred to as “Electronic Communications”). We may discontinue, please call 000-000-0000 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firm, and in those states you must give your written consent before the FA can take or receive your nonpublic information. You can withdraw this consent at any time and from time to time, Electronic Communications to you and mail any communication to you at the last known address we have on file for you. Electronic Communications include, but are not limited to, information related to any of the Online Services, deposit and loan products, services and features, our decisions related to your applications, the terms and conditions that govern any deposit account or loan we make to you, and all related disclosures, notices, and communications, required by contacting 000-000-0000.law or otherwise. Electronic Communications may also include important information that you would otherwise receive from us through the mail (such as,

Why. 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 investment experience income; • Assets and income • Account account balances and account transactions payment history; • credit history and credit scores. When you are no longer our customerclose your account, we continue to share your information as described in this notice. All financial companies need to share customers’ personal information to run their everyday businessbusiness – to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their customers’ personal information; , the reasons Xxxxxxx Xxxxx reason Three Rivers chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Xxxxxxx Xxxxx share? Can you limit this sharing? , For our everyday business purposes— purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or and report to credit bureaus Yes No For our marketing purposes— purposes – to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes— purposes – information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t share For our affiliates to market to you affiliates’ everyday business purposes – information about your creditworthiness No We don’t share For nonaffiliates to market to you No We don’t share Call 0-000-000-0000 0.000.000.0000 or go to xxx.xxxxxxxxxxxx.xxx Who is providing this notice? See the Xxxxxxx Xxxxx U.S. legal entities noted belowxxx.0xxxxxxxxx.xxx/xxxxxxx. How does Xxxxxxx Xxxxx Three Rivers 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 Xxxxxxx Xxxxx Three Rivers collect my personal information? We collect your personal information, for example, when you • open an account or perform transactions deposit money; • make pay your bills or apply for a wire transfer loan; • use your credit or tell us where to send money • tell us about your investment or retirement portfolio debit card. We also collect your personal information from others others, such as credit bureaus, affiliates and 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—purposes – information about your creditworthiness • creditworthiness;  affiliates from using your information to market to you • you;  sharing for nonaffiliates to market to you you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Affiliates Definitions Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Xxxxxxx Xxxxx or an Eagle nameThree Rivers has no affiliates. Nonaffiliates Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Xxxxxxx Xxxxx Three Rivers does not share with nonaffiliates so they can market to you. Joint marketing marketing: A formal agreement between nonaffiliated financial companies to provide or that together market financial products or services to you. • Our joint marketing partners may include banks and credit unionsinclude: • Insurance providers • Investment services • Trust services relevant document with us. Financial advisors (“FA”) may change brokerage and/or investment advisory firms and the nonpublic personal information collected by us and your FA may The notice will be provided mailed to the new firm so your FA can continue to service your account(s)address noted for said person on the application, agreement or other document. If you do not want your FA this person (member) has agreed to take receive notices and disclosures electronically, then we can send all such notices and notifications, to the e-mail or receive Internet address provided by said person. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this information, please call 000-000-0000 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firm, and in those states you must give your written consent before the FA can take or receive your nonpublic information. You can withdraw this consent at any time by contacting 000-000-0000paragraph.

Why. 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 investment experience • Assets account balances - Payment history and income • Account balances transaction history - Credit history and account transactions When you are no longer our customer, we continue to share your information as described in this notice. mortgage rates and payments All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Xxxxxxx Xxxxx Xxxxxxxx Community Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Xxxxxxx Xxxxx 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 We don’t share For joint marketing with other financial companies Yes No We don’t share 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 Yes Yes For nonaffiliates to market to you No We don’t share - Mail the form below If you are a new customer, we can begin sharing your information 30 days from the date we provided or sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 0toll-000-000-0000 free (888) 724-(BANK) 2265 or go to xxx.xxxxxxxxxxxx.xxx Who is providing this notice? See the Xxxxxxx Xxxxx U.S. legal entities noted ‰ Mail-in Form If you have a joint account, your choice(s) will apply to everyone on your account unless you xxxx below. Xxxx any/all you want to limit: □ Do not allow your affiliates to use my personal information to market to me. □ Apply my choices only to me City, State, Zip Mail To: Xxxxxxxx Community Bank XX Xxx 000 Xxxxxxxxx, Xx. 00000-0000 How does Xxxxxxx Xxxxx Xxxxxxxx Community Bank 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 Xxxxxxx Xxxxx Xxxxxxxx Community Bank collect my personal information? We collect your personal information, for example, when you • open - Open an account or perform transactions • apply for financing - Give us your contact information or make a wire transfer or tell us where to send money • tell us about - Show your investment or retirement portfolio government issued ID We also collect your personal information from others others, such as credit bureaus, affiliates and 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. See below What happens when I limit sharing for more an account I hold jointly with someone else? Your choices will apply to everyone on your rights under state law. Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Xxxxxxx Xxxxx or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Xxxxxxx Xxxxx does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Financial advisors (“FA”) may change brokerage and/or investment advisory firms and the nonpublic personal information collected by account – unless you tell us and your FA may be provided to the new firm so your FA can continue to service your account(s). If you do not want your FA to take or receive this information, please call 000-000-0000 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firm, and in those states you must give your written consent before the FA can take or receive your nonpublic information. You can withdraw this consent at any time by contacting 000-000-0000otherwise.

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 investment experience • Assets and income •  Transaction history  Checking account information  Account balances and account transactions  Purchase history  Risk Tolerance When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Xxxxxxx Xxxxx Fidelity Information Services, LLC chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Xxxxxxx Xxxxx 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 No For joint marketing with other financial companies Yes No 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 Yes Yes To limit our sharing  Call 0-000-000-0000 or go 0000—our menu will prompt you through your choice(s) Please note: If you are a new customer, we can begin sharing your information [30] days from the date we sent this notice. When you are no longer our customer, we continue to xxx.xxxxxxxxxxxx.xxx share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call 000-000-0000. Who is providing this notice? See the Xxxxxxx Xxxxx U.S. legal entities noted belowFidelity Information Services, LLC. It applies to your Kum & Go &Rewards Debit Card issued by Fidelity Information Services, LLC. How does Xxxxxxx Xxxxx Fidelity Information Services, LLC 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 Xxxxxxx Xxxxx Fidelity Information Services, LLC collect my personal information? We collect your personal information, for example, when you • open  Open an account or perform transactions • make a wire transfer or tell  Use your debit card  Give us where to send money • tell us about your investment or retirement portfolio We also collect your personal contact information from others such as credit bureaus, affiliates and other companies.  Provide account information 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. See below What happens when I limit sharing for more an account I hold jointly with someone else? Your choices will apply to everyone on your rights under state law. Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Xxxxxxx Xxxxx or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Xxxxxxx Xxxxx does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Financial advisors (“FA”) may change brokerage and/or investment advisory firms and the nonpublic personal information collected by us and your FA may be provided to the new firm so your FA can continue to service your account(s). If you do not want your FA to take or receive this information, please call 000-000-0000 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firm, and in those states you must give your written consent before the FA can take or receive your nonpublic information. You can withdraw this consent at any time by contacting 000-000-0000account.

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 investment experience • Assets Income  Account Balances and income • Account balances Payment History  Credit History and account transactions Credit Scores When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Xxxxxxx Xxxxx Equitable Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Xxxxxxx Xxxxx 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 We don’t share 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 0-000-000-0000 or go to xxx.xxxxxxxxxxxx.xxx Who is providing this notice? See the Xxxxxxx Xxxxx U.S. legal entities noted below. xxx.xxxxxxxxxxxxxxx.xxx How does Xxxxxxx Xxxxx Equitable Bank 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 Xxxxxxx Xxxxx Equitable Bank collect my personal information? We collect your personal information, for example, when you • open  Open an account or perform transactions • make deposit money  Pay your bills or apply for a wire transfer loan  Use your credit or tell us where to send money • tell us about your investment or retirement portfolio debit card We also collect your personal information from others others, such as credit bureaus, affiliates and 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. See below for more on your rights under state law. Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Xxxxxxx Xxxxx or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Xxxxxxx Xxxxx does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Financial advisors (“FA”) may change brokerage and/or investment advisory firms and the nonpublic personal information collected by us and your FA may be provided to the new firm so your FA can continue to service your account(s). If you do not want your FA to take or receive this information, please call 000-000-0000 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firm, and in those states you must give your written consent before the FA can take or receive your nonpublic information. You can withdraw this consent at any time by contacting 000-000-0000.

Why. The types of personal information we collect and share depend on the product products or service you have with us. This information can include: • ● Social Security number and investment experience • account balances ● account transactions and payment history ● Assets and income • Account balances and checking account transactions When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share customers’ members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ ' personal information; information; the reasons Xxxxxxx Xxxxx Vibrant Credit Union chooses to share; share; and whether you can limit this sharing. Reasons we can share your personal information Does Xxxxxxx Xxxxx share? Can you limit this sharing? For our everyday business purposes— purposes ­ such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— purpose ­ to offer our products and services to you Yes No Yes For joint marketing with other financial companies Yes No Yes For our affiliates’ everyday business purposes— purposes ­ information about your transactions and experiences Yes No We don’t share For our affiliates’ everyday business purposes— purposes ­ information about your creditworthiness No We don’t share For our affiliates to market to you No We don’t share Yes Yes For nonaffiliates to market to you No We don’t share To limit our sharing ● Call 0-000-000-0000 309­796­7500 or toll free 1­800­323­5109 or ● Visit us online: xxxxxxxxxxxxxxxxxx.xxx/xxxxxxx Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 309­796­7500 or toll free 1­800­323­5109 or go to xxx.xxxxxxxxxxxx.xxx xxx.xxxxxxxxxxxxxxxxxx.xxx Who is providing this notice? See the Xxxxxxx Xxxxx U.S. legal entities noted below. Vibrant Credit Union How does Xxxxxxx Xxxxx Vibrant 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 restrict access to information about you to those employees who need to know that information to provide products or services to you. How does Xxxxxxx Xxxxx Vibrant Credit Union collect my personal information? We collect your personal information, for example, when you • open you: ● Open an account or perform transactions • make deposit money ● Pay your bills or apply for a wire transfer loan ● Use your credit or tell us where to send money • tell us about your investment or retirement portfolio debit card We also collect collection your personal information from others others, such as credit bureaus, affiliates and affiliates, or other companies. companies Why can’t I limit all sharing? Federal law gives you the right to limit only • sharing only: ● Sharing for affiliates’ ' everyday business purposes—information purposes­information 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. See below What happens when I limit sharing for more an account I hold jointly with someone else? Your choices will apply to everyone on your rights under state law. Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Xxxxxxx Xxxxx or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Xxxxxxx Xxxxx does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Financial advisors (“FA”) may change brokerage and/or investment advisory firms and the nonpublic personal information collected by account­unless you tell us and your FA may be provided to the new firm so your FA can continue to service your account(s). If you do not want your FA to take or receive this information, please call 000-000-0000 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firm, and in those states you must give your written consent before the FA can take or receive your nonpublic information. You can withdraw this consent at any time by contacting 000-000-0000otherwise.