Common use of REPORTS AND OTHER INQUIRIES Clause in Contracts

REPORTS AND OTHER INQUIRIES. In order to consider a request to open an account and for other legitimate purposes, we may request information from consumer reporting agencies, account information services, our affiliates and other third parties. By submitting a request to open an account, you authorize us to obtain information about you from time to time from consumer reporting agencies, account information services, our affiliates, and other third parties. In addition, we may disclose information about your accounts to consumer reporting agencies and to other persons or agencies who, in our judgment, have a legitimate purpose. For example, we may report the status of or the closure of your account to consumer reporting agencies, our affiliates and other third parties and we may provide information in response to any subpoena, summons, court or administrative order, or other legal process. We may verify information about you when you establish a new account with us and periodically thereafter using consumer reporting agencies and other sources as we determine. We may decline to open an account or we may close an open account based on any information received that we consider adverse. We will provide you the name and address of the sources from which we obtained information as required by law and upon request unless we are otherwise prohibited from doing so. If your account is declined based on adverse information received from our source, you may request that the source provide you a free copy of the information the source supplied to us. PRIVACY POLICY The privacy and security of your information is important to us. Please refer to our Privacy Notice, and our Privacy Statement and other privacy disclosure(s) which are available in the Privacy & Security section at xxx.xxx. You specifically waive any privacy protection rights provided under the law of any foreign country or jurisdiction. Your privacy protection rights arise under the laws of the United States of America and applicable state law. COMMUNICATIONS BETWEEN US COMMUNICATION WITH YOU We may contact you for fraud prevention, account servicing or other permissible business purposes. We may contact you by mail, courier, phone (whether mobile or landline), fax, email, text message, or through our online banking service or mobile banking. You agree we may use text messaging, artificial or pre-recorded voice messages, and automatic telephone dialing systems to contact the telephone number you provide, as permitted by law.

REPORTS AND OTHER INQUIRIES. ‌ In order to consider a request to open an account and for other legitimate purposes, we may request information from consumer reporting agencies, account information services, our affiliates and other third parties. By submitting a request to open an account, you authorize us to obtain information about you from time to time from consumer reporting agencies, account information services, our affiliates, and other third parties. In addition, we may disclose information about your accounts to consumer reporting agencies and to other persons or agencies who, in our judgment, have a legitimate purpose. For example, we may report the status of or the closure of your account to consumer reporting agencies, our affiliates and other third parties and we may provide information in response to any subpoena, summons, court or administrative order, or other legal process. We may verify information about you when you establish a new account with us and periodically thereafter using consumer reporting agencies and other sources as we determine. We may decline to open an account or we may close an open account based on any information received that we consider adverse. We will provide you the name and address of the sources from which we obtained information as required by law and upon request unless we are otherwise prohibited from doing so. If your account is declined based on adverse information received from our source, you may request that the source provide you a free copy of the information the source supplied to us. PRIVACY POLICY POLICY‌ The privacy and security of your information is important to us. Please refer to our Privacy Notice, and our Privacy Statement and other privacy disclosure(s) which are available in the Privacy & Security section at xxx.xxx. You specifically waive any privacy protection rights provided under the law of any foreign country or jurisdiction. Your privacy protection rights arise under the laws of the United States of America and applicable state law. COMMUNICATIONS BETWEEN US US‌ COMMUNICATION WITH YOU YOU‌ We may contact you for fraud prevention, account servicing or other permissible business purposes. We may contact you by mail, courier, phone (whether mobile or landline), fax, email, text message, or through our online banking service or mobile banking. You agree we may use text messaging, artificial or pre-recorded voice messages, and automatic telephone dialing systems to contact the telephone number you provide, as permitted by law.