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 • Income • Member Account Number, Account Balance and Payment History • Account Transactions and Checking Account Information • Address • Birthday • Beacon Score • Contact Information (i.e., email and phone number) When you are no longer a member, we continue to share your information as described in this notice. What? 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 your personal information; the reasons SAFE Federal Credit Union chooses to share; and whether you can limit this sharing. How? Reasons we can share your personal information Does SAFE Federal Credit Union share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus YES NO For our marketing purposes— to offer our products and services to you YES YES For joint marketing with other financial companies YES YES For our affiliates’ everyday business purposes— information about your transactions and experiences NO NO For our affiliates’ everyday business purposes— information about your creditworthiness NO NO For our affiliates to market to you YES YES For nonaffiliates to market to you NO NO 55 • Call the Member Service Center at 0.000.000.0000 or 0.000.000.0000 • Visit us online: xxx.xxxxxxx.xxx

Why. The types of personal information that we collect, collect and share depend on the product or service you have with us. This information can include: • Social Security Number • Income • Member Account Number, Account Balance and Payment Date of Birth Address of Residence and Government Issued Identification Transaction History • Account Transactions and Checking Account Information • Address • Birthday • Beacon Score • Contact Information (i.e., email and phone number) When you are no longer a memberour customer, we may continue to share your information as described in this notice. What? All financial companies Financial Companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies Financial Companies can share your their customers’ personal information; the reasons SAFE Federal Credit Union Sunrise Banks, N.A. chooses to share; and whether you can limit this the sharing. How? Reasons we can share your personal information Does SAFE Federal Credit Union shareSunrise Banks, N.A. Share? Can you limit this sharing? For our everyday business purposes— purposes – such as to process your transactionstransaction, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus YES NO bureaus. Yes No For our marketing purposes— purposes – to offer our products and services to you YES YES you. Yes No For joint marketing with other financial companies YES YES companies. Yes No For our affiliates’ everyday business purposes— purposes – information about your transactions and experiences NO NO experiences. Yes No For our affiliates’ everyday business purposes— purposes- information about your creditworthiness NO NO creditworthiness. No We don’t share For our affiliates to market to you YES YES you. No We don’t share For nonaffiliates non affiliates to market to you NO NO 55 • you. No We don’t share Call the Member Service Center at 0.000.000.0000 or 0.000.000.0000 • Visit us online: xxx.xxxxxxx.xxx000-000-0000 Questions? Who we are Who is providing this notice? Sunrise Banks, N.A.

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 • Income account balances and payment history • Member Account Number, Account Balance credit history and Payment History • Account Transactions and Checking Account Information • Address • Birthday • Beacon Score • Contact Information (i.e., email and phone number) When you are no longer a member, we continue to share your information as described in this notice. credit scores What? All financial companies need to share customersmembers’ personal information to run their everyday businessbusinesses. In the section below, we list the reasons financial companies can share your their members’ personal information; , the reasons SAFE Federal Credit Union MSUFCU chooses to share; , and whether you can limit this sharing. How? Reasons we can share your personal information Does SAFE Federal Credit Union MSUFCU 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 Yes No For our marketing purposes— purposes – to offer our products and services to you YES YES Yes Yes For joint marketing with other financial companies YES YES Yes Yes For our affiliates’ everyday business purposes— purposes – information about your transactions and experiences NO NO No We don’t share For our affiliates’ everyday business purposes— purposes – information about your creditworthiness NO NO For our affiliates to market to you YES YES No We don’t share For nonaffiliates to market to you NO NO 55 No We don’t share • Call the Member Service Center at 0.000.000.0000 000-000-0000 or 0.000.000.0000 000-000-0000 — a member service representative will assist you with your opt-out preferences. • Visit us online: xxx.xxxxxxx.xxxonline at xxx.xxxxxx.xxx, log in to your account via ComputerLine, select the “Messages” option at the top of your screen and leave a secure message.