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 income • Account balances and payment history • Credit history and credit scores What? 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 EECU chooses to share, and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU share? Can you limit this sharing? For our everyday business 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 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 Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you 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. To limit our sharing Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Questions Who we are Who is providing this notice? EECU What we do How does 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 EECU collect my personal information? We collect your personal information, for example, when • you open an account or deposit money • you pay your bills or apply for a loan • you 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 companies with an 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. • Nonaffiliates we share with can include 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 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies, investment, insurance, and other financial services companies. EECU - Legal - 10-09-2014

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 payment history • Credit history and credit scores account transactions When you are no longer our customer, we continue to share your information as described in this notice. What? 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 EECU Xxxxxxx Xxxxx chooses to share, ; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU Xxxxxxx Xxxxx share? Can you limit this sharing? For our everyday business purposes To 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 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 Yes Yes No We don’t share For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you Yes Yes No We don’t share 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. To limit our sharing Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Questions go to xxx.xxxxxxxxxxxx.xxx Questions? Who we are Who is providing this notice? EECU See the Xxxxxxx Xxxxx U.S. legal entities noted below. What we do How does EECU 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 EECU Xxxxxxx Xxxxx collect my personal information? We collect your personal information, for example, when you • you open an account or deposit perform transactions • make a wire transfer or tell us where to send money • you pay tell us about your bills investment or apply for a loan • you use your credit or debit card retirement portfolio We also collect your personal information from others, others such as credit bureaus, affiliates or 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 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 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 affiliates include companies with a Xxxxxxx Xxxxx or an EECU Eagle 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. • Nonaffiliates we Xxxxxxx Xxxxx does not share with nonaffiliates so they can include 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 printersmarket to you. Joint Marketing marketing A formal agreement between nonaffiliated financial companies that together to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit card companiesunions. Other important information 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, investmentplease call 000-000-0000 to opt out of this sharing. Opt-in states, insurancesuch as California and Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firm, and other financial services companiesin those states you must give your written consent before the FA can take or receive your nonpublic information. EECU - Legal - 10You can withdraw this consent at any time by contacting 000-09000-20140000.

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 social security number and income • Account balances account balance and payment history • Credit credit history and credit scores What? 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 EECU Intercam Banco Internacional Inc., chooses to share, ; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU Intercam Banco Internacional Inc., share? Can you limit this sharing? For our everyday business purposes To - 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 - 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 - information about your transactions and experiences Yes No For our affiliates’ everyday business purposes Information - information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes No No • Call 000-000-0000 or 0-000-000-0000. Our - our menu will prompt you through your choice(s).Please choice(s) • Visit us online: xxx.xxxxxxxx.xxx.xx • Send us the exclusion request that is included below Please note: If you are a new membercustomer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our membercustomer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. To limit our sharing Call 000-000-0000 (local), 0or go to xxx.xxxxxxxx.xxx.xx Questions? Mail-000-000-0000 (toll-free) in Form NO NEED TO COMPLETE if previous option was not to share your information. Leave Blank or visit xxxx.xxxXxxx any/all you want to limit: Do not share information about my creditworthiness with your affiliates for their everyday business purposes. Questions Who we are Who is providing this notice? EECU What we do How does EECU protect Do not allow your affiliates to use 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 EECU collect my personal information? We collect your personal information, for example, when • you open an account or deposit money • you pay your bills or apply for a loan • you 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 me. Do not share my personal information with nonaffiliates to market their products and services to me. [If 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 have a joint account, your choice(s) will apply to everyone on your accountaccount unless you xxxx below. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with an EECU name; financial companies such as EECU Investment Services and Texas Business Lenders Group; and nonfinancial companiesApply my choices only to me] Name: Send to: Intercam Banco Internacional Inc. xxxx@xxxxxxxx.xxx.xx Address City, such as North Texas Insurance Services. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we share with can include mortgage servicing companiesState, 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 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies, investment, insurance, and other financial services companies. EECU - Legal - 10-09-2014Zip Code: Account Number:

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 income • Account balances and payment history • Credit history and credit scores score • Account balances and account transactions When you are no longer our customer, we continue to share your information as described in this notice. What? 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 EECU Xxxxxxx Xxxxx chooses to share, ; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU Raymond James share? Can you limit this sharing? For our everyday business purposes To — 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 — 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 — information about your transactions and experiences Yes No For our affiliates’ everyday business purposes Information — information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes No We don’t share To limit our sharing? Call 0001-000800-0000 or 0647-000-000-0000. Our menu will prompt you through your choice(s).Please 7378 Please note: If you are a new membercustomer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our membercustomer, we continue to share your information as described in this notice. To However, you can contact us at any time to limit our sharing sharing. Call 000800-000647-0000 (local), 0-000-000-0000 (toll-free) 7378 or visit xxxx.xxx. Questions go to xxx.xxxxxxxxxxxx.xxx Questions? Who we are Who is providing this notice? EECU See the Raymond James U.S. legal entities noted below. What we do How does EECU Raymond James 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. For more information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx How does EECU Raymond James collect my personal information? We collect your personal information, for example, when you: • you open an account or deposit perform transactions • make a wire transfer or tell us where to send money • you pay tell us about your bills investment or apply for a loan • you use your credit or debit card retirement portfolio We also collect your personal information from others, 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 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 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 affiliates include companies with a Raymond James or an EECU Eagle 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. • Nonaffiliates we Raymond James does not share with nonaffiliates so they can include 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 printersmarket to you. Joint Marketing marketing A formal agreement between nonaffiliated financial companies that together to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit card companies, investment, insuranceunions. Other important information Financial advisors may change brokerage and/or investment advisory firms, and other the nonpublic personal information collected by us and your advisor may be provided to the new firm so your advisor can continue to service your account(s). If you do not want your financial services companiesadvisor to provide this information to the new firm, please call 800-647-7378 to opt out of this sharing. EECU - Legal - 10Opt-09in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information to the new firm. You can provide or withdraw this consent at any time by contacting 800-2014647-7378.

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 income • Account account balances ● account transactions and payment history • Credit history ● Assets and credit scores checking account information What? 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’ customers' personal information, information; the reasons EECU Vibrant Credit Union chooses to share, share; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU shareVibrant Credit Union Share? Can you limit this sharing? For our everyday business purposes To ­ 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 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 Information ­ information about your transactions and experiences Yes No We don’t share For our affiliates’ everyday business purposes Information ­ information about your creditworthiness Yes Yes No We don’t share For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes No We don’t share To limit our sharing ● Call 000-000-0000 309­796­7500 or 0-000-000-0000. Our menu will prompt you through your choice(s).Please 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. To However, you can contact us at any time to limit our sharing sharing. Call 000-000-0000 (local), 0-000-000-0000 (toll-free) 309­796­7500 or visit xxxx.xxx. toll free 1­800­323­5109 or go to xxx.xxxxxxxxxxxxxxxxxx.xxx Questions Who we are Who is providing this notice? EECU Vibrant Credit Union What we do How does EECU 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 EECU Vibrant Credit Union collect my personal information? We collect your personal information, for example, when • you open you: ● Open an account or deposit money • you pay ● Pay your bills or apply for a loan • you use ● Use your credit or debit card We also collect collection your personal information from others, such as credit bureaus, affiliates 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. 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 companies with an 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. • Nonaffiliates we share with can include 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 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies, investment, insurance, and other financial services companies. EECU - Legal - 10-09-2014account­unless you tell us otherwise.

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 income • Account account balances - Payment history and payment transaction history • - Credit history and credit scores mortgage rates and payments What? 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 EECU Xxxxxxxx Community Bank chooses to share, ; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU Xxxxxxxx Community Bank share? Can you limit this sharing? For our everyday business purposes To 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 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 purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes Information purposes— information about your creditworthiness Yes Yes No We don’t share For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes Call 000-000-0000 or 0-000-000-0000. Our menu will prompt you through your choice(s).Please No We don’t share - Mail the form below Please note: If you are a new membercustomer, we can begin sharing your information 30 days from the date we provided or sent this notice. When you are no longer our membercustomer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. To limit our sharing Call 000toll-000free (888) 724-(BANK) 2265 or go to xxx.xxxxxxxxxxxx.xxx Questions? ‰ 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. Name Address □ Apply my choices only to me City, State, Zip Mail To: Xxxxxxxx Community Bank XX Xxx 000 Xxxxxxxxx, Xx. 00000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Questions Who we are Who is providing this notice? EECU What we do How does EECU 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 EECU Xxxxxxxx Community Bank collect my personal information? We collect your personal information, for example, when • you open - Open an account or deposit money • you pay your bills or apply for financing - Give us your contact information or make a loan • you use wire transfer - Show your credit or debit card government issued ID We also collect your personal information from others, such as credit bureaus, affiliates 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 • - 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 companies with an 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. • Nonaffiliates we share with can include 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 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies, investment, insurance, and other financial services companies. EECU - Legal - 10-09-2014account – unless you tell us otherwise.

Why. The types of personal information we collect collect, and share depend on the product or service you have with us. This information can include: • ▪ Social Security number and income • Account Date of birth ▪ Address and Phone number ▪ Email address and Government issued identification ▪ account balances and payment history • Credit history and credit scores What? 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 EECU BlockFi chooses to share, ; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU share? Can you limit this sharing? For our everyday business purposes To purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus investigations 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 N/A 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 Yes Yes For our affiliates to market to you Yes Yes No N/A For nonaffiliates to market to you Yes Yes Yes* ▪ Call 000-000-0000 or 0-000-000-0000. Our - our menu will prompt you through your choice(s).Please choice(s) or ▪ Visit us online: xxxxxxx.xxx/xxxxxxx Please note: If you are a new membercustomer, we can begin sharing your information 30 O days from the date we sent this notice. When you are no longer our membercustomer, we continue to share your information as described in this notice. To However, you can contact us at any time to limit our sharing Call sharing. 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Questions Who we are go to xxx.xxxxxxx.xxx Who is providing this notice? EECU What we do BlockFi Inc. How does EECU BlockFi Inc. 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 EECU BlockFi Inc collect my personal information? We collect your personal information, for example, when • you open an account ■ apply for a loan or deposit money • you give us your contact information ■ pay your bills or apply for a loan • you use give us your credit or debit card income information ■ wire us funds ■ provide employment information We also collect your personal information from others, such as credit bureaus, affiliates 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 • ■ 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 companies with an EECU name; financial companies such as EECU Investment Services and Texas Business Lenders Group; and nonfinancial companies■ BlockFi Lending LLC, such as North Texas Insurance Services. BlockFi Trading LLC Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • ■ Nonaffiliates we share with can include mortgage servicing companiesfinancial, insurance companiesaccounting, plastic card processors (credit/debit/ATM)legal, credit reporting bureaus, data processors, investment services companies, government agencies, direct marketing companies, financial statement publishers, printers or mail housesmarketing, and check/share draft printers. Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card technology companies, investment, insurance, and other financial services companies. EECU - Legal - 10-09-2014

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 income • Account balances and payment history • Credit history and credit scores What? 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 EECU chooses to share, and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU share? Can you limit this sharing? For our everyday business 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 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 Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes Call 000-000-0000 or 0-000-000-0000. Our menu will prompt you through your choice(s).Please 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. To limit our sharing Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Questions Who we are Who is providing this notice? EECU What we do How does 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 EECU collect my personal information? We collect your personal information, for example, when • you open an account or deposit money • you pay your bills or apply for a loan • you 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 companies with an 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. • Nonaffiliates we share with can include 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 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies, investment, insurance, and other financial services companies. TCN3S3ZFQAYU-1656369029-108 ELECTRONIC COMMUNICATIONS DISCLOSURE AND CONSENT Please read this information carefully and print and retain a copy for your reference. This document is provided in accordance with the Electronic Signatures in Global and National Commerce Act. 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, “Online Services”). By utilizing any of the Online Services, you agree that EECU - Legal - 10-09-2014may, but is not obligated to, send any and all communications to you electronically (collectively referred to as “Electronic Communications”). We may discontinue, 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 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 Number and income • Account balances and payment overdraft history • Credit history and credit scores • Employment information and income When you are no longer our member, we continue to share your information as described in this notice. What? 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 EECU Franklin-Oil Region Credit Union chooses to share, ; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU Franklin-Oil Region Credit Union share? Can you limit this sharing? For our everyday business purposes To – 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 YES NO For our marketing purposes To – to offer our products and services to you Yes No YES NO For joint marketing with other financial companies Yes No YES NO For our affiliates’ everyday business purposes Information – information about your transactions and experiences Yes No NO We don’t share For our affiliates’ everyday business purposes Information – information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes NO We don’t share For nonaffiliates to market to you Yes Yes NO We don’t share 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 go to share your information as described in this notice. To limit our sharing Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Questions Who we are Who is providing this noticexxx.xxx-xx.xxx Questions? EECU What we do How does EECU Franklin-Oil Region 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 EECU Franklin-Oil Region Credit Union collect my personal information? We collect your personal information, for example, when you • you open Open an account or deposit money make deposits or withdrawals from your account • you pay Show your bills government-issued ID or apply provide employment information • Apply for a loan • you use your credit or debit card financing We also collect your personal information from others, such as credit bureaus, affiliates 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 creditworthiness; • affiliates Affiliates from using your information to market to you you; • sharing Sharing for nonaffiliates to market to you 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 companies with an EECU name; financial companies such as EECU Investment Services and Texas Business Lenders Group; and nonfinancial companies, such as North Texas Insurance ServicesFranklin - Oil Region Credit Union has no affiliates. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we Franklin - Oil Region Credit Union does not share with our nonaffiliates so they can include 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 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies, investment, insurance, and other financial services companies. EECU - Legal - 10-09-2014.

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 payment history • Credit history and credit scores account transactions When you are no longer our customer, we continue to share your information as described in this notice. What? 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 EECU Raymond James chooses to share, ; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU Raymond James share? Can you limit this sharing? For our everyday business purposes To 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 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 Yes Yes No We don’t share For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you Yes Yes No We don’t share Call 0001-000800-0000 647-7378 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 go to share your information as described in this notice. To limit our sharing Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Questions xxx.xxxxxxxxxxxx.xxx Questions? Who we are Who is providing this notice? EECU See the Raymond James U.S. legal entities noted below. What we do How does EECU Raymond James 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 EECU Raymond James collect my personal information? We collect your personal information, for example, when you • you open an account or deposit perform transactions • make a wire transfer or tell us where to send money • you pay tell us about your bills investment or apply for a loan • you use your credit or debit card retirement portfolio We also collect your personal information from others, others such as credit bureaus, affiliates or 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 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 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 affiliates include companies with a Raymond James or an EECU Eagle 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. • Nonaffiliates we Raymond James does not share with nonaffiliates so they can include 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 printersmarket to you. Joint Marketing marketing A formal agreement between nonaffiliated financial companies that together to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit card companiesunions. Other important information 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, investmentplease call 800-647-7378 to opt out of this sharing. Opt-in states, insurancesuch as California and Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firm, and other financial services companiesin those states you must give your written consent before the FA can take or receive your nonpublic information. EECU - Legal - 10You can withdraw this consent at any time by contacting 800-09647-20147378.

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 income • Account accounts balances and transaction history • credit history and payment history • Credit history and credit scores What? 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 EECU WaFd Bank chooses to share, and whether you can limit this the sharing. How? Reasons we can share your personal information information. Does EECU WaFd Bank share? Can you limit this sharing? For our everyday business purposes To 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 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 purposes— Information about your transactions and experiences Yes No For our affiliates’ everyday business purposes purposes— Information about your creditworthiness Yes Yes No We don’t share For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes No We don’t share Call 000-000-0000 or our Customer Care Center at 0-000-000-0000. Our menu will prompt you through your choice(s).Please Please note: If you are a new membercustomer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our membercustomer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. To limit our sharing Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxxour website at xxx.xxxxxxxx.xxx. Questions Questions? Who we are Who is providing this notice? EECU WaFd Bank and its affiliated insurance company, WAFD Insurance What we do How does EECU 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 EECU WaFd Bank collect my personal information? We collect your personal information, for example, when you: • you open an account or deposit money • you pay your bills or apply for a loan • you use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates 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 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. 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 companies with an 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. • Nonaffiliates we share with can include 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 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies, investment, insurance, and other financial services companies. EECU - Legal - 10-09-2014you alone unless you tell us otherwise.

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  Checking account information  Account balances and payment transactions  Purchase history • Credit history and credit scores What 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 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 EECU Fidelity Information Services, LLC chooses to share, ; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU Fidelity Information Services, LLC share? Can you limit this sharing? For our everyday business purposes To 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 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 purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes Information purposes— information about your creditworthiness Yes Yes No We don’t share For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you Yes Yes To limit our sharing  Call 000-000-0000 or 0-000-000-0000. Our —our menu will prompt you through your choice(s).Please choice(s) Please note: If you are a new membercustomer, we can begin sharing your information 30 [30] days from the date we sent this notice. When you are no longer our membercustomer, we continue to share your information as described in this notice. To However, you can contact us at any time to limit our sharing sharing. Questions? Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx0000. Questions Page 2 Who we are Who is providing this notice? EECU Fidelity Information Services, LLC. It applies to your Kum & Go &Rewards Debit Card issued by Fidelity Information Services, LLC. What we do How does EECU 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 EECU Fidelity Information Services, LLC collect my personal information? We collect your personal information, for example, when • you open  Open an account or deposit money • you pay  Use your bills or apply for a loan • you use your credit or debit card We also collect  Give us your personal contact information from others, such as credit bureaus, affiliates or 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 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 companies with an 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. • Nonaffiliates we share with can include 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 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies, investment, insurance, and other financial services companies. EECU - Legal - 10-09-2014.

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 income income; • Account account balances and payment history history; • Credit credit history and credit scores scores. When you close your account, we continue to share information about you according to our policies. What? All financial companies need to share memberscustomers’ 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 memberscustomers’ personal information, the reasons EECU reason Three Rivers chooses to share, and whether you can limit this sharing. How? Reasons we can share your personal information information: Does EECU Three Rivers share? Can you limit this my sharing? For our everyday business purposes To – 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 To – 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 – information about your transactions and experiences Yes No We don’t share For our affiliates’ everyday business purposes Information – information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you Yes Yes No We don’t share Call 000-000-0000 0.000.000.0000 or 0-000-000-0000go to xxx.0xxxxxxxxx.xxx/xxxxxxx. 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. To limit our sharing Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Questions Who we are Who is providing this noticeQuestions? EECU What we do How does EECU 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 EECU Three Rivers collect my personal information? We collect your personal information, for example, when you • you open an account or deposit money money; • you pay your bills or apply for a loan loan; • you use your credit or debit card card. We also collect your personal information from others, such as credit bureaus, affiliates 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 • 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. 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 Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with an EECU name; financial companies such as EECU Investment Services and Texas Business Lenders Group; and nonfinancial companies, such as North Texas Insurance ServicesThree Rivers has no affiliates. Nonaffiliates Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we Three Rivers does not share with nonaffiliates so they can include 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 printersmarket to you. Joint Marketing marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companiesinclude: • Insurance providers • Investment services • Trust services The Credit Union's Website. Use of our website or linking to a site we sponsor may require the use of "cookies," which are small pieces of information a website stores on a visitor's web browser to remind the site about the user the next time the site is visited. We do not store confidential or sensitive information through the use of cookies. Our use of cookies enhances our member's on-line transactions and eases navigation through our website. For certain applications, investmentsuch as on-line transactions, insurancecookies are required to help protect the privacy of a member's transactions by, for example, terminating the session if the member forgets to log out. We collect e-mail addresses from members who request electronic services, and from users of our website who choose to provide their addresses. Security. We are committed to taking every reasonable precaution to protect individual information that you provide to us. We restrict access to nonpublic personal information about you to employees who need to know that information to provide products or services to you. We also maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal 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 financial services companiesrelevant document with us. EECU - Legal - 10The 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 disclosures electronically, then we can send all such notices and notifications, to the e-09-2014mail or 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 paragraph.

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 • credit history  Account transactions and overdraft history  Account balances and payment transaction history • Credit history and credit scores What? When you are no longer our customer, we continue to share your information as described in this notice. 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 EECU Brookline Bank chooses to share, ; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU share? Brookline Bank Can you limit this information share? sharing? For our everyday business purposes To — 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 — 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 — information about your transactions and experiences Yes No For our affiliates’ everyday business purposes Information — information about your creditworthiness Yes Yes No We don’t share For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you Yes Yes No We don’t share Questions? Call 000-000-0000 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 go to share your information as described in this notice. To limit our sharing Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Questions Who we are Who is providing this notice? EECU xxx.XxxxxxxxxXxxx.xxx BBM 7205 F 09/18 What we do How does EECU Brookline 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 regularly test and assess our information security measures, train employees and adopt enhancements as necessary to protect your information. How does EECU Brookline Bank collect my personal information? We collect your personal information, for example, when • you  open an account or deposit money • you pay your bills or apply for a loan • you  use your credit or debit card or provide account and contact information  make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates bureaus 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 companies with an 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. • Nonaffiliates we share with can include 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 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies, investment, insurance, and other financial services companies. EECU - Legal - 10-09-2014.

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 • Income  Account balances Balances and payment history • Payment History  Credit history History and credit scores WhatCredit 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 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 EECU Equitable Bank chooses to share, ; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU Equitable Bank share? Can you limit this sharing? For our everyday business purposes To 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 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 purposes— information about your transactions and experiences Yes No We don’t share For our affiliates’ everyday business purposes Information purposes— information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you Yes Yes No We don’t share Questions? 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 go to share your information as described in this notice. To limit our sharing Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Questions Who we are Who is providing this notice? EECU xxx.xxxxxxxxxxxxxxx.xxx What we do How does EECU 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 EECU Equitable Bank collect my personal information? We collect your personal information, for example, when • you open  Open an account or deposit money • you pay  Pay your bills or apply for a loan • you use  Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates 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 •  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 companies with an 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. • Nonaffiliates we share with can include 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 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies, investment, insurance, and other financial services companies. EECU - Legal - 10-09-2014.

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 • credit history  Account transactions and overdraft history  Account balances and payment transaction history • Credit history and credit scores What? When you are no longer our customer, we continue to share your information as described in this notice. 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 EECU Brookline Bank chooses to share, ; and whether you can limit this sharing. How? Reasons we can share your personal information Does EECU share? Brookline Bank Can you limit this information share? sharing? For our everyday business purposes To — 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 — 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 — information about your transactions and experiences Yes No For our affiliates’ everyday business purposes Information — information about your creditworthiness Yes Yes No We don’t share For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you Yes Yes No We don’t share Questions? Call 000-000-0000 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 go to share your information as described in this notice. To limit our sharing Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Questions Who we are Who is providing this notice? EECU xxx.XxxxxxxxxXxxx.xxx BBM 7205 F 02/20 What we do How does EECU Brookline 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 regularly test and assess our information security measures, train employees and adopt enhancements as necessary to protect your information. How does EECU Brookline Bank collect my personal information? We collect your personal information, for example, when • you  open an account or deposit money • you pay your bills or apply for a loan • you  use your credit or debit card or provide account and contact information  make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates bureaus 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 companies with an 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. • Nonaffiliates we share with can include 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 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies, investment, insurance, and other financial services companies. EECU - Legal - 10-09-2014.