Common use of FACTS Clause in Contracts

FACTS. What does Westerra Credit Union (“Westerra”) do with your personal information? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and income • Credit history and credit scores • Account balances and payment history How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Westerra chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Westerra 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 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 We do not share For our affiliates’ everyday business purposes - information about your creditworthiness No We do not share For our affiliates to market to you No We do not share For our non-affiliates to market to you No We do not share To Limit Our Sharing >> Call 000-000-0000 or 0-000-000-0000 to speak with a financial services representative. >> 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. Questions? Call 000-000-0000 or 0-000-000-0000 Who we are Who is providing this notice? Westerra Credit Union (“Westerra”) What we do How does Westerra 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 limit collection and use of non-public personal information to the minimum required. We maintain physical, electronic, and procedural safeguards that comply with federal and state standards. How does Westerra collect my personal information? We collect your personal information, for example, when you >> Open an account or deposit money >> Pay your bills or apply for a loan >> Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates or other companies. We collect data through our Mobile apps - data is linked to your identity, but is not used for tracking purposes: • Contact Information (name, email address, phone number, physical address) • Financial Information (payment, credit and other financial information) • Location (precise location, coarse location) • Contacts • User Content (customer support) • Identifiers (User ID, Device ID) • Purchases (purchase history) • Usage Data (product interaction, advertising data) • Diagnostics (crash, performance and other diagnostic data) 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account - unless you tell us otherwise. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. >> Our affiliates include companies with the “Westerra” or “Westerra Credit Union” name that are under common control with us. Non-Affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. >> Non-affiliates we share with include government entities in response to subpoenas and other legal processes, credit bureaus, mortgage companies, companies providing servicing, processing, accounting, or similar types of functions, companies originating loans or loan applications, and insurance companies. Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. >> Our joint marketing partners include insurance companies. Other Important Information None Please contact us with any questions at: 000-000-0000 xxx.xxxxxxxxxx.xxx Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Federally Insured by NCUA Your Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.

FACTS. What does Westerra Credit Union (“Westerra”) do with your personal information? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and income • Credit history and credit scores • Account balances and payment history How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Westerra chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Westerra 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 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 We do not share For our affiliates’ everyday business purposes - information about your creditworthiness No We do not share For our affiliates to market to you No We do not share For our non-affiliates to market to you No We do not share To Limit Our Sharing >> Call 000-000-0000 or 0-000-000-0000 to speak with a financial services representative. >> 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. Questions? Call 000-000-0000 or 0-000-000-0000 Who we are Who is providing this notice? Westerra Credit Union (“Westerra”) What we do How does Westerra 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 limit collection and use of non-public personal information to the minimum required. We maintain physical, electronic, and procedural safeguards that comply with federal and state standards. How does Westerra collect my personal information? We collect your personal information, for example, when you >> Open an account or deposit money >> Pay your bills or apply for a loan >> Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates or other companies. We collect data through our Mobile apps - data is linked to your identity, but is not used for tracking purposes: • Contact Information (name, email address, phone number, physical address) • Financial Information (payment, credit and other financial information) • Location (precise location, coarse location) • Contacts • User Content (customer support) • Identifiers (User ID, Device ID) • Purchases (purchase history) • Usage Data (product interaction, advertising data) • Diagnostics (crash, performance and other diagnostic data) 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account - unless you tell us otherwise. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. >> Our affiliates include companies with the “Westerra” or “Westerra Credit Union” name that are under common control with us. Non-Affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. >> Non-affiliates we share with include government entities in response to subpoenas and other legal processes, credit bureaus, mortgage companies, companies providing servicing, processing, accounting, or similar types of functions, companies originating loans or loan applications, and insurance companies. Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. >> Our joint marketing partners include insurance companies. Other Important Information None Please contact us with any questions at: 000-000-0000 xxx.xxxxxxxxxx.xxx xxx.XxxxxxxxXX.xxx Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Federally Insured by NCUA Your Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.

FACTS. What does Westerra Credit Union (“Westerra”) do with your personal information? WhyWHAT DOES MTC FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. Why? What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: •  Social Security number and income •  Account balances and payment history  Credit history and credit scores • Account balances and payment history When you are no longer our member, we continue to share your information as described in this notice. How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customersmembers’ personal information; the reasons Westerra MTC Federal Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Westerra ShareMTC Federal share? Can You Limit This Sharingyou 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 - purposes— to offer our products and services to you Yes Yes No For joint marketing with other financial companies Yes Yes No For our affiliates’ everyday business purposes - purposes— information about your transactions and experiences No We do not share No For our affiliates’ everyday business purposes - purposes— information about your creditworthiness No We do not share No For our affiliates to market to you No We do not share No For our non-affiliates to market to you No We do not share No Questions? To Limit Our Sharing >> Call speak with a Member Service Representative, please call 000-000-0000 or 0-000-000-0000 go to speak with a financial services representative. >> 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. Questions? Call 000-000-0000 or 0-000-000-0000 xxx.xxxxxxxxxx.xxx Who we are Who is providing this notice? Westerra MTC Federal Credit Union (“Westerra”) What we do How does Westerra MTC Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We limit collection and use of non-public personal information to the minimum required. We maintain physical, electronic, and procedural safeguards that comply with federal and state standards. How does Westerra MTC Federal Credit Union collect my personal information? We collect your personal information, for example, when you >>  Open an account or deposit money >>  Pay your bills or apply for a loan >>  Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates affiliates, or other companies. We collect data through our Mobile apps - data is linked to your identity, but is not used for tracking purposes: • Contact Information (name, email address, phone number, physical address) • Financial Information (payment, credit and other financial information) • Location (precise location, coarse location) • Contacts • User Content (customer support) • Identifiers (User ID, Device ID) • Purchases (purchase history) • Usage Data (product interaction, advertising data) • Diagnostics (crash, performance and other diagnostic data) Why can’t I limit all sharing? Federal law gives you the right to limit only >> Sharing  sharing for affiliates’ everyday business purposes - purposes—information about your creditworthiness >> Affiliates  affiliates from using your information to market to you >> Sharing  sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account - unless you tell us otherwise. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. >> Our affiliates include companies with the “Westerra” or “Westerra Credit Union” name that are under common control with us. Non-Affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. >> Non-affiliates we share with include government entities in response to subpoenas and other legal processes, credit bureaus, mortgage companies, companies providing servicing, processing, accounting, or similar types of functions, companies originating loans or loan applications, and insurance companies. Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. >> Our joint marketing partners include insurance companies. Other Important Information None Please contact us with any questions at: 000-000-0000 xxx.xxxxxxxxxx.xxx Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Federally Insured by NCUA Your Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agencyaccount.

FACTS. What does Westerra Credit Union (“Westerra”) do with your personal information? WhyWHAT DOES MTC FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. Why? What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: •  Social Security number and income •  Account balances and payment history  Credit history and credit scores • Account balances and payment history When you are no longer our member, we continue to share your information as described in this notice. How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customersmembers’ personal information; the reasons Westerra MTC Federal Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Westerra ShareMTC Federal share? Can You Limit This Sharingyou 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 - purposes— to offer our products and services to you Yes Yes No For joint marketing with other financial companies Yes Yes No For our affiliates’ everyday business purposes - purposes— information about your transactions and experiences No We do not share No For our affiliates’ everyday business purposes - purposes— information about your creditworthiness No We do not share No For our affiliates to market to you No We do not share No For our non-affiliates to market to you No We do not share No Questions? To Limit Our Sharing >> Call speak with a Member Service Representative, please call 000-000-0000 or 0-000-000-0000 to speak with a financial services representative. >> 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. Questions? Call 000-000-0000 or 0-000-000-0000 go xxxx.xxxxxxxxxx.xxx Who we are Who is providing this notice? Westerra MTC Federal Credit Union (“Westerra”) What we do How does Westerra MTC Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We limit collection and use of non-public personal information to the minimum required. We maintain physical, electronic, and procedural safeguards that comply with federal and state standards. How does Westerra MTC Federal Credit Union collect my personal information? We collect your personal information, for example, when you >>  Open an account or deposit money >>  Pay your bills or apply for a loan >>  Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates or other companies. We collect data through our Mobile apps - data is linked to your identity, but is not used for tracking purposes: • Contact Information (name, email address, phone number, physical address) • Financial Information (payment, credit and other financial information) • Location (precise location, coarse location) • Contacts • User Content (customer support) • Identifiers (User ID, Device ID) • Purchases (purchase history) • Usage Data (product interaction, advertising data) • Diagnostics (crash, performance and other diagnostic data) Why can’t I limit all sharing? Federal law gives you the right to limit only >> Sharing  sharing for affiliates’ everyday business purposes - purposes—information about your creditworthiness >> Affiliates  affiliates from using your information to market to you >> Sharing  sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account - unless you tell us otherwise. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. >> Our affiliates include companies with the “Westerra” or “Westerra Credit Union” name that are under common control with us. Non-Affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. >> Non-affiliates we share with include government entities in response to subpoenas and other legal processes, credit bureaus, mortgage companies, companies providing servicing, processing, accounting, or similar types of functions, companies originating loans or loan applications, and insurance companies. Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. >> Our joint marketing partners include insurance companies. Other Important Information None Please contact us with any questions at: 000-000-0000 xxx.xxxxxxxxxx.xxx Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Federally Insured by NCUA Your Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agencyaccount.

FACTS. What does Westerra Credit Union (“Westerra”) do with your personal information? WhyWHAT DOES CENTERSTONE INVESTORS TRUST DO WITH YOUR PERSONAL INFORM XXXXX? Financial companies choose how they share your personal information. Federal law gives Why? consumers the right to limit some some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? How? The types of personal information we collect and share depend depends on the product or service that you have with us. This information can include: • Social Security number and income wire transfer instructions • Credit account transactions and transaction history • investment experience and credit scores • Account balances and payment purchase history How? When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share members’ customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ customers ' personal information; the reasons Westerra CENTERSTONE INVESTORS TRUST chooses to share; and whether you can limit this sharing. Reasons we can share your personal information information: Does Westerra ShareCENTERSTONE INVESTORS TRUST share information? Can You Limit This Sharingyou 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 bureaus. YES NO For our marketing purposes - purposes- to offer our products and services to you Yes Yes you. NO We don't share For joint marketing with other financial companies Yes Yes companies. NO We don't share For our affiliates’ ' everyday businesspurposes -information about your transactions and records. NO We don't share For our affiliates' everyday business purposes - information about your transactions and experiences No credit worthiness. NO We do not don't share For our affiliates’ everyday business purposes - information about your creditworthiness No We do not share For our affiliates nonaffiliates to market to you No NO We do not don't share For our nonQUESTIONS? Calll-402-affiliates to market to you No We do not share To Limit Our Sharing >> Call 000493-000-0000 or 0-000-000-0000 to speak with a financial services representative. >> 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. Questions? Call 000-000-0000 or 0-000-000-0000 Who we are Who is providing this notice? Westerra Credit Union (“Westerra”) 4603 CENTERSTONEINVESTORSTRUST What we do do: How does Westerra CENTERSTONE INVESTORS TRUST 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 limit collection Our service providers are held accountable for adhering to strict policies and use procedures to prevent any misuse of non-public your nonpublic personal information to the minimum required. We maintain physical, electronic, and procedural safeguards that comply with federal and state standardsinformation. How does Westerra CENTERSTONE INVESTORS TRUST collect my personal information? We collect your personal informationinformation , for example, when you >> Open • open an account or deposit money >> Pay • direct us to buy securities or direct us to sell your bills or apply for a loan >> Use securities • seek advice about your credit or debit card investments We also collect your personal information from others, such as credit bureaus, affiliates affiliates, or other companies. We collect data through our Mobile apps - data is linked to your identity, but is not used for tracking purposes: • Contact Information (name, email address, phone number, physical address) • Financial Information (payment, credit and other financial information) • Location (precise location, coarse location) • Contacts • User Content (customer support) • Identifiers (User ID, Device ID) • Purchases (purchase history) • Usage Data (product interaction, advertising data) • Diagnostics (crash, performance and other diagnostic data) Why can’t n't I limit all sharing? Federal law gives you the right to limit only >> Sharing only: • sharing for affiliates’ ' everyday business purposes - information about your creditworthiness >> Affiliates creditworthiness. • affiliates from using your information to market to you >> Sharing you. • sharing for non-affiliates 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 - unless you tell us otherwise. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. >> Our affiliates include companies with the “Westerra” or “Westerra Credit Union” name that are under common control with us• CENTERSTONEINVESTORS TRUST has no affiliates. Non-Affiliates Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. >> Non-affiliates we • CENTERSTONE INVESTORS TRUSTdoes not share with include government entities in response to subpoenas and other legal processes, credit bureaus, mortgage companies, companies providing servicing, processing, accounting, or similar types of functions, companies originating loans or loan applications, and insurance companies. Joint Marketing A formal agreement between non-affiliated financial companies that together nonaffiliates so they can market financial products or services to you. >> Our joint marketing partners include insurance companies. Other Important Information None Please contact us with any questions at: 000-000-0000 xxx.xxxxxxxxxx.xxx Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Federally Insured by NCUA Your Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.

FACTS. What does Westerra Credit Union (“Westerra”) do with your personal informationWHAT DOES MTC FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • ◼ Social Security number and income • ◼ Account balances and payment history ◼ Credit history and credit scores • Account balances and payment history When you are no longer our member, we continue to share your information as described in this notice. How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customersmembers’ personal information; the reasons Westerra MTC Federal Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Westerra ShareMTC Federal share? Can You Limit This Sharingyou 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 - purposes— to offer our products and services to you Yes Yes No For joint marketing with other financial companies Yes Yes No For our affiliates’ everyday business purposes - purposes— information about your transactions and experiences No We do not share No For our affiliates’ everyday business purposes - purposes— information about your creditworthiness No We do not share No For our affiliates to market to you No We do not share No For our non-affiliates to market to you No We do not share No Questions? To Limit Our Sharing >> Call speak with a Member Service Representative, please call 000-000-0000 or 0-000-000-0000 go to speak with a financial services representative. >> 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. Questions? Call 000-000-0000 or 0-000-000-0000 xxx.xxxxxxxxxx.xxx Who we are Who is providing this notice? Westerra MTC Federal Credit Union (“Westerra”) What we do How does Westerra MTC Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We limit collection and use of non-public personal information to the minimum required. We maintain physical, electronic, and procedural safeguards that comply with federal and state standards. How does Westerra MTC Federal Credit Union collect my personal information? We collect your personal information, for example, when you >> ◼ Open an account or deposit money >> ◼ Pay your bills or apply for a loan >> ◼ Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates affiliates, or other companies. We collect data through our Mobile apps - data is linked to your identity, but is not used for tracking purposes: • Contact Information (name, email address, phone number, physical address) • Financial Information (payment, credit and other financial information) • Location (precise location, coarse location) • Contacts • User Content (customer support) • Identifiers (User ID, Device ID) • Purchases (purchase history) • Usage Data (product interaction, advertising data) • Diagnostics (crash, performance and other diagnostic data) Why can’t I limit all sharing? Federal law gives you the right to limit only >> Sharing ◼ sharing for affiliates’ everyday business purposes - purposes—information about your creditworthiness >> Affiliates ◼ affiliates from using your information to market to you >> Sharing ◼ sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account - unless you tell us otherwise. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. >> Our affiliates include companies with the “Westerra” or “Westerra Credit Union” name that are under common control with us. Non-Affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. >> Non-affiliates we share with include government entities in response to subpoenas and other legal processes, credit bureaus, mortgage companies, companies providing servicing, processing, accounting, or similar types of functions, companies originating loans or loan applications, and insurance companies. Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. >> Our joint marketing partners include insurance companies. Other Important Information None Please contact us with any questions at: 000-000-0000 xxx.xxxxxxxxxx.xxx Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Federally Insured by NCUA Your Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agencyaccount.

FACTS. What does Westerra Credit Union (“Westerra”) do with your personal information? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and income • Credit history and credit scores • Account balances and payment history How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Westerra chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Westerra 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 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 We do not share For our affiliates’ everyday business purposes - information about your creditworthiness No We do not share For our affiliates to market to you No We do not share For our non-affiliates to market to you No We do not share To Limit Our Sharing >> Call 000-000-0000 or 0-000-000-0000 to speak with a financial services representative. >> 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. Questions? Call 000-000-0000 or 0-000-000-0000 Who we are Who is providing this notice? What we do Westerra Credit Union (“Westerra”) What we do How does Westerra 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 limit collection and use of non-public personal information to the minimum required. We maintain physical, electronic, and procedural safeguards that comply with federal and state standards. How does Westerra collect my personal information? We collect your personal information, for example, when you >> Open an account or deposit money >> Pay your bills or apply for a loan >> Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates or other companies. We collect data through our Mobile apps - data is linked to your identity, but is not used for tracking purposes: • Contact Information (name, email address, phone number, physical address) • Financial Information (payment, credit and other financial information) • Location (precise location, coarse location) • Contacts • User Content (customer support) • Identifiers (User ID, Device ID) • Purchases (purchase history) • Usage Data (product interaction, advertising data) • Diagnostics (crash, performance and other diagnostic data) 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account - unless you tell us otherwise. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. >> Our affiliates include companies with the “Westerra” or “Westerra Credit Union” name that are under common control with us. Non-Affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. >> Non-affiliates we share with include government entities in response to subpoenas and other legal processes, credit bureaus, mortgage companies, companies providing servicing, processing, accounting, or similar types of functions, companies originating loans or loan applications, and insurance companies. Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. >> Our joint marketing partners include insurance companies. Other Important Information None Please contact us with any questions at: 000-000-0000 xxx.xxxxxxxxxx.xxx Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Federally Insured by NCUA Your Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.

FACTS. What does Westerra Credit Union (“Westerra”) do with your personal information? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and income • Credit history and credit scores • Account balances and payment history How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Westerra chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Westerra 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 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 We do not share For our affiliates’ everyday business purposes - information about your creditworthiness No We do not share For our affiliates to market to you No We do not share For our non-affiliates to market to you No We do not share To Limit Our Sharing >> Call 000-000-0000 or 0-000-000-0000 to speak with a financial services representative. >> 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. Questions? Call 000-000-0000 or 0-000-000-0000 Who we are Who is providing this notice? Westerra Credit Union (“Westerra”) What we do How does Westerra 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 limit collection and use of non-public personal information to the minimum required. We maintain physical, electronic, and procedural safeguards that comply with federal and state standards. How does Westerra collect my personal information? We collect your personal information, for example, when you >> Open an account or deposit money >> Pay your bills or apply for a loan >> Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates or other companies. We collect data through our Mobile apps - data is linked to your identity, but is not used for tracking purposes: • Contact Information (name, email address, phone number, physical address) • Financial Information (payment, credit and other financial information) • Location (precise location, coarse location) • Contacts • User Content (customer support) • Identifiers (User ID, Device ID) • Purchases (purchase history) • Usage Data (product interaction, advertising data) • Diagnostics (crash, performance and other diagnostic data) 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account - unless you tell us otherwise. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. >> Our affiliates include companies with the “Westerra” or “Westerra Credit Union” name that are under common control with us. Non-Affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. >> Non-affiliates we share with include government entities in response to subpoenas and other legal processes, credit bureaus, mortgage companies, companies providing servicing, processing, accounting, or similar types of functions, companies originating loans or loan applications, and insurance companies. Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. >> Our joint marketing partners include insurance companies. Other Important Information None • 27 • • 26 • Please contact us with any questions at: 000-000-0000 xxx.xxxxxxxxxx.xxx Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government xxx.XxxxxxxxXX.xxx Federally Insured by NCUA Your Savings savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agencygovernment agency.