Common use of Unrelated Business Income Tax Clause in Contracts

Unrelated Business Income Tax. I understand that my account is subject to the provisions of IRC Sections 511-514 relating to Unrelated Business Taxable Income (UBTI) of tax- exempt organizations. I agree that if I direct the Administrator to make an investment in my account which generates UBTI, I will be responsible for preparing or having prepared the required IRS Form 990-T tax return, an application for an Employer Identification Number (EIN) for my account, and any other documents that may be required, and to submit them to the Administrator for filing with the Internal Revenue Service at least ten (10) days prior to the date on which the return is due, along with an appropriate directive authorizing the Administrator to execute the forms on behalf of my account and to pay the applicable tax from the assets in my account. I understand that the Custodian and the Administrator do not make any determination of whether or not investments in my account generate UBTI; have no duty to and do not monitor whether or not my account has incurred UBTI; and do not prepare Form 990-T on behalf of my account. Responsibility for determining eligibility and tax consequences: I assume complete responsibility for 1) determining that I am eligible to make a contribution to my account; 2) ensuring that all contributions I make are within the limits set forth by the relevant sections of the Internal Revenue Code; and 3) the tax consequences of any contribution (including a rollover contribution) and distributions. Valuations: I understand that the assets in my Account may be required to be valued annually at the end of each calendar year. If required, I agree to provide the year end value of any illiquid and/or non-publicly traded investments, which may include without limitation limited partnerships, limited liability companies, privately held stock, REITs, BDCs, hedge funds, real estate, secured and unsecured promissory notes, and any other investments as the Custodian shall designate for valuation, by no later than January 15th of each year, with substantiation attached to support the value provided. NuView does not conduct appraisals and does not verify any values provided to it by the Account Owner, Investment Sponsor or any other investment representative. NuView may, as a courtesy, request on behalf of your Account a fair market value from the Investment Sponsor or pricing contact associated with the investment(s) within your Account requiring a value. Any fair market values furnished as a result of the request will be provided to Account Owner via Account statements and the Administrator’s online portal. When required, if NuView does not receive a fair market value for an illiquid asset annually, NuView will use the last provided fair market value or if none, the original purchase price on Account statements. NuView shall have no responsibility to obtain a fair market value from the Account Owner or the Investment Sponsor. An illiquid asset value listed in an Account statement is deemed accepted by the Account Owner, and NuView will have no liability with respect to such statement, if not disputed by the Account Owner in writing within 45 days of the statement being issued in paper or available electronic form. Electronic Communications, Signatures, and Records: I acknowledge and agree that my Account will be subject to the provisions of the Uniform Electronic Transactions Act, as passed in the state where the Custodian is organized (South Dakota Codified Law Sections 53-12 et. seq) and the federal Electronic Signature in Global and National Commerce Act (ESIGN Act, as contained in 15 U.S.C. 7001), as those laws pertain to electronic communication, electronic signatures, and electronic storage of Custodial Account records. I understand that, in lieu of the retention of the original records, NuView may cause any, or all, of their records, and records at any time in their custody, to be photographed or otherwise reproduced to permanent form, and any such photograph or representation shall have the same force and effect as the original thereof and may be admitted in evidence equally with the original if permitted by law.

Unrelated Business Income Tax. I understand that my account Certain investments selected by the Account Holder may generate taxable income within the Account, referred to as Unrelated Business Income Tax (UBIT), as defined in sections 511 through 514 of Code. This may occur whenever the Account earns income from an investment which utilizes debt‐financing, or which is subject derived from a business regarded as not related to the provisions exempt purpose of IRC Sections 511-514 relating the IRA. An example of investments that might generate UBIT include, but are not limited to, limited partnerships that borrow money related to Unrelated Business Taxable Income (UBTI) of tax- exempt organizations. I agree that if I direct the Administrator to make an investment in my account which generates UBTIpurposes, I will be responsible for preparing or having prepared the required IRS Form 990-T tax return, an application for an Employer Identification Number (EIN) for my accountdebt‐financed real estate investments, and any other documents that brokerage accounts with margin loans being utilized for investment purposes. Such income may be required, and to submit them taxable to the Administrator extent that UBIT for filing a given taxable year exceeds the threshold amount set by the IRS, currently $1000. In such instances the IRS requires that a Form 990‐T be filed for the Account Holder’s Account along with the Internal Revenue Service at least ten (10) days prior to appropriate amount of tax. These taxes are expense of the date on which IRA and must be paid by the return is dueAccount Holder utilizing assets in the Account. The Account Holder, along with an appropriate directive authorizing the Administrator to execute the forms on behalf of my account and to pay by signing the applicable tax from the assets in my account. I Adoption Agreement related to this Agreement, affirms that he or she understand that the Custodian and does not: 1) monitor whether the Administrator do not Account generates UBIT; 2) make any determination of whether UBIT; 3) calculate UBIT for the Account; or not investments in my account generate UBTI; have no duty to and do not monitor whether or not my account has incurred UBTI; and do not 4) prepare Form 990-T on behalf of my account990‐T. If the Account has any investment which generates UBIT, the Account Holder must monitor for UBIT and, if applicable, prepare, or have prepared, the proper 990‐T tax form. Responsibility for determining eligibility and tax consequences: I assume complete responsibility for 1) determining that I am eligible to make a contribution to my account; 2) ensuring that all contributions I make are within In such case the limits set forth by the relevant sections of the Internal Revenue Code; and 3) the tax consequences of any contribution (including a rollover contribution) and distributions. Valuations: I understand that the assets in my Account may Holder will be required to have a separate employer identification number for the Account (“EIN”) which will be valued annually at used for filing the end of each calendar year990‐T form. The Custodian does not obtain such an EIN for the Account and has no obligation to obtain such EIN for the Account. If requiredthe Account Holder does not have a separate EIN for the Account (related to UBIT), I agree he or she will need to provide file an Application with the year end value of any illiquid and/or non-publicly traded investments, which may include without limitation limited partnerships, limited liability companies, privately held stock, REITs, BDCs, hedge funds, real estate, secured and unsecured promissory notes, and any other investments as IRS in order to obtain such a tax identification number. The Account Holder will need to forward the 990‐T form to the Custodian shall designate for valuationfiling, by no later than January 15th of each year, along with substantiation attached authorization to support pay any tax due from the value providedAccount. NuView does not conduct appraisals and does not verify any values provided to it by If the Account Owner, Investment Sponsor or any other investment representative. NuView may, as a courtesy, request on behalf of your Account a fair market value from Holder submits this information to the Investment Sponsor or pricing contact associated with the investment(s) within your Account requiring a value. Any fair market values furnished as a result of the request will be provided to Account Owner via Account statements and the Administrator’s online portal. When required, if NuView does not receive a fair market value Custodian for an illiquid asset annually, NuView will use the last provided fair market value or if nonefiling, the original purchase price on Account statements. NuView shall have no responsibility to obtain a fair market value from the Account Owner or the Investment Sponsor. An illiquid asset value listed in an Account statement is deemed accepted by the Account Owner, and NuView will have no liability with respect to such statement, if not disputed by the Account Owner in writing within 45 days of the statement being issued in paper or available electronic form. Electronic Communications, Signatures, and Records: I acknowledge and agree that my Account will be subject to the provisions of the Uniform Electronic Transactions Act, as passed in the state where Xxxxxx agrees the Custodian is organized (South Dakota Codified Law Sections 53-12 etunder no obligation or duty to verify the accuracy of this information. seq) and In the federal Electronic Signature in Global and National Commerce Act (ESIGN Actevent that the Account Holder fails to file form 990‐T, as contained in 15 U.S.C. 7001), as those laws pertain the Account Xxxxxx agrees to electronic communication, electronic signatures, and electronic storage of Custodial Account records. I understand that, in lieu of indemnify the retention of the original records, NuView may cause any, Custodian for any liability or all, of their records, and records at any time in their custody, expense incurred due to be photographed or otherwise reproduced failure to permanent form, and any such photograph or representation shall have the same force and effect as the original thereof and may be admitted in evidence equally with the original if permitted by lawfile.

Unrelated Business Income Tax. I understand that my account Certain investments selected by the Account Holder may generate taxable income within the Account, referred to as Unrelated Business Income Tax (UBIT), as defined in sections 511 through 514 of Code. This may occur whenever the Account earns income from an investment which utilizes debt-financing, or which is subject derived from a business regarded as not related to the provisions exempt purpose of IRC Sections 511-514 relating the XXX. An example of investments that might generate UBIT include, but are not limited to, limited partnerships that borrow money related to Unrelated Business Taxable Income (UBTI) of tax- exempt organizationsinvestment purposes, debt- financed real estate investments, and brokerage accounts with margin loans being utilized for investment purposes. I agree Such income may be taxable to the extent that if I direct UBIT for a given taxable year exceeds the Administrator to make an investment in my account which generates UBTIthreshold amount set by the IRS, I will be responsible for preparing or having prepared currently $1000. In such instances the required IRS requires that a Form 990-T tax return, an application be filed for an Employer Identification Number (EIN) for my account, and any other documents that may be required, and to submit them to the Administrator for filing Account Holder’s Account along with the Internal Revenue Service at least ten (10) days prior to appropriate amount of tax. These taxes are expense of the date on which XXX and must be paid by the return is dueAccount Holder utilizing assets in the Account. The Account Holder, along with an appropriate directive authorizing the Administrator to execute the forms on behalf of my account and to pay by signing the applicable tax from the assets in my account. I Adoption Agreement related to this Agreement, affirms that he or she understand that the Custodian and does not: 1) monitor whether the Administrator do not Account generates UBIT; 2) make any determination of whether UBIT; 3) calculate UBIT for the Account; or not investments in my account generate UBTI; have no duty to and do not monitor whether or not my account has incurred UBTI; and do not 4) prepare Form 990-T. If the Account has any investment which generates UBIT, the Account Holder must monitor for UBIT and, if applicable, prepare, or have prepared, the proper 990-T on behalf of my accounttax form. Responsibility for determining eligibility and tax consequences: I assume complete responsibility for 1) determining that I am eligible to make a contribution to my account; 2) ensuring that all contributions I make are within In such case the limits set forth by the relevant sections of the Internal Revenue Code; and 3) the tax consequences of any contribution (including a rollover contribution) and distributions. Valuations: I understand that the assets in my Account may Holder will be required to have a separate employer identification number for the Account (“EIN”) which will be valued annually at used for filing the end of each calendar year990-T form. The Custodian does not obtain such an EIN for the Account and has no obligation to obtain such EIN for the Account. If requiredthe Account Holder does not have a separate EIN for the Account (related to UBIT), I agree he or she will need to provide file an Application with the year end value of any illiquid and/or nonIRS in order to obtain such a tax identification number. The Account Holder will need to forward the 990-publicly traded investments, which may include without limitation limited partnerships, limited liability companies, privately held stock, REITs, BDCs, hedge funds, real estate, secured and unsecured promissory notes, and any other investments as T form to the Custodian shall designate for valuationfiling, by no later than January 15th of each year, along with substantiation attached authorization to support pay any tax due from the value providedAccount. NuView does not conduct appraisals and does not verify any values provided to it by If the Account Owner, Investment Sponsor or any other investment representative. NuView may, as a courtesy, request on behalf of your Account a fair market value from Holder submits this information to the Investment Sponsor or pricing contact associated with the investment(s) within your Account requiring a value. Any fair market values furnished as a result of the request will be provided to Account Owner via Account statements and the Administrator’s online portal. When required, if NuView does not receive a fair market value Custodian for an illiquid asset annually, NuView will use the last provided fair market value or if nonefiling, the original purchase price on Account statements. NuView shall have no responsibility to obtain a fair market value from the Account Owner or the Investment Sponsor. An illiquid asset value listed in an Account statement is deemed accepted by the Account Owner, and NuView will have no liability with respect to such statement, if not disputed by the Account Owner in writing within 45 days of the statement being issued in paper or available electronic form. Electronic Communications, Signatures, and Records: I acknowledge and agree that my Account will be subject to the provisions of the Uniform Electronic Transactions Act, as passed in the state where Holder agrees the Custodian is organized (South Dakota Codified Law Sections 53under no obligation or duty to verify the accuracy of this information. In the event that the Account Holder fails to file form 990-12 et. seq) and T, the federal Electronic Signature in Global and National Commerce Act (ESIGN Act, as contained in 15 U.S.C. 7001), as those laws pertain Account Holder agrees to electronic communication, electronic signatures, and electronic storage of Custodial Account records. I understand that, in lieu of indemnify the retention of the original records, NuView may cause any, Custodian for any liability or all, of their records, and records at any time in their custody, expense incurred due to be photographed or otherwise reproduced failure to permanent form, and any such photograph or representation shall have the same force and effect as the original thereof and may be admitted in evidence equally with the original if permitted by lawfile.

Unrelated Business Income Tax. I understand that my account is subject to the provisions of IRC Sections 511-514 relating to Unrelated Business Taxable Income (UBTI) of tax- exempt organizations. I agree that if I direct the Administrator to make an investment in my account which generates UBTI, I will be responsible for preparing or having prepared the required IRS Form 990-T tax return, an application for an Employer Identification Number (EIN) for my account, and any other documents that may be required, and to submit them to the Administrator for filing with the Internal Revenue Service at least ten (10) days prior to the date on which the return is due, along with an appropriate directive authorizing the Administrator to execute the forms on behalf of my account and to pay the applicable tax from the assets in my account. I understand that the Custodian and the Administrator do not make any determination of whether or not investments in my account generate UBTI; have no duty to and do not monitor whether or not my account has incurred UBTI; and do not prepare Form 990-T on behalf of my account. Responsibility for determining eligibility and tax consequences: I assume complete responsibility for 1) determining that I am eligible to make a contribution to my account; 2) ensuring that all contributions I make are within the limits set forth by the relevant sections of the Internal Revenue Code; and 3) the tax consequences of any contribution (including a rollover contribution) and distributions. Valuations: I understand that the assets in my Account may be required to be valued annually at the end of each calendar year. If required, I agree to provide the year end value of any illiquid and/or non-publicly traded investments, which may include without limitation limited partnerships, limited liability companies, privately held stock, REITs, BDCs, hedge funds, real estate, secured and unsecured promissory notes, and any other investments as the Custodian shall designate for valuation, by no later than January 15th of each year, with substantiation attached to support the value provided. NuView does not conduct appraisals and does not verify any values provided to it by the Account Owner, Investment Sponsor or any other investment representative. NuView may, as a courtesy, request on behalf of your Account a fair market value from the Investment Sponsor or pricing contact associated with the investment(s) within your Account requiring a value. Any fair market values furnished as a result of the request will be provided to Account Owner via Account statements and the Administrator’s online portal. When required, if NuView does not receive a fair market value for an illiquid asset annually, NuView will use the last provided fair market value or if none, the original purchase price on Account statements. NuView shall have no responsibility to obtain a fair market value from the Account Owner or the Investment Sponsor. An illiquid asset value listed in an Account statement is deemed accepted by the Account Owner, and NuView will have no liability with respect to such statement, if not disputed by the Account Owner in writing within 45 days of the statement being issued in paper or available electronic form. Electronic Communications, Signatures, and Records: I acknowledge and agree that my Account will be subject to the provisions of the Uniform Electronic Transactions Act, as passed in the state where the Custodian is organized (South Dakota Codified Law Sections 53-12 et. seq) and the federal Electronic Signature in Global and National Commerce Act (ESIGN Act, as contained in 15 U.S.C. 7001), as those laws pertain to electronic communication, electronic signatures, and electronic storage of Custodial Account records. I understand that, in lieu of the retention of the original records, NuView may cause any, or all, of their records, and records at any time in their custody, to be photographed or otherwise reproduced to permanent form, and any such photograph or representation shall have the same force and effect as the original thereof and may be admitted in evidence equally with the original if permitted by law. Online Access and Electronic Transactional Requests: If the Account Owner or Representative elect to receive electronic statements and online access, they will be provided access to the myNuView portal via the email address provided on your account application (or updated in writing) and a secure password designated by the Account Owner Xxxxxxxxx Educational Savings Account Adoption Agreement Longwood, FL 32750 P: (000) 000-0000 | F: (000) 000-0000 E: xxxxxxxxx@xxxxxxxxx.xxx 6 SIGNATURE AND ACKNOWLEDGEMENT (continued) or Representative. When such information is used to access the Account, NuView may rely on the provision of this information as proof of Account Owner or Representative’s identity without further inquiry or verification. Between Account Owner and NuView, Account Owner is solely and exclusively responsible for maintaining the security and confidentiality of Account Owner and Representative’s username and password and any other identifying information used to access the myNuView portal. Liability for Unauthorized Transactions: NuView will not be liable for losses caused by unauthorized access to online accounts via myNuView, including but not limited to losses caused by unauthorized transfers of assets from the Account. Account Owner or a Representative must notify Custodian and Administration if any of the Account Owner or Representative’s secure account login credentials, have been lost or stolen, or if the Account has been accessed without the Account Owner or Representative’s authority. Further, the Account Owner or Representative must notify NuView immediately at 000-000-0000 if an Account statement shows unauthorized transactions. Transactions listed in an Account statement are deemed accepted and authorized by the Account Owner, without further liability on the part of NuView with respect to such statement, or the transactions described therein, if not disputed by the Account Owner in writing within 45 days of the statement being issued in paper or electronic form. No FDIC Insurance for Investments: I recognize that investments purchased and/or held within my Account: 1) may not be insured by the Federal Deposit Insurance Corporation (FDIC); 2) are not a deposit or other obligation of, or guaranteed by, either the Custodian or the Administrator; and 3) are subject to investment risks, including possible loss of the principal amount invested. Our Privacy Policy: The Account Owner has chosen to do business with NuView. As our client, the privacy of the Account Owner’s personal non-public information is very important. NuView values its customer relationships and NuView wants the Account Owner to understand the protections NuView provides in regard to the Accounts. Information NuView May Collect: NuView collects non-public personal information about the Account Owner from the following sources to conduct business with the Account Owner: • Information NuView receives from the Account Owner on applications or other forms; and • Information about the Account Owner’s transactions with NuView, or others. Non-public personal information is non-public information about the Account Owner that NuView may obtain in connection with providing financial products or services to the Account Owner. This could include information the Account Owner gives NuView from account applications, account balances, and account history. Information NuView May Share: NuView does not sell or disclose any non-public information about the Account Owner to anyone, except as permitted by law or as specifically authorized by the Account Owner. NuView does not share non-public personal information with its affiliates or other providers without prior approval by the Account Owner. Federal law allows NuView to share information with providers that process and service the Account Owner’s accounts. All providers of services in connection with NuView have agreed to NuView’s confidentiality and security policies. If the Account Owner decides to close the Account or become an inactive customer, NuView will adhere to the privacy policies and practices as described in this notice. Confidentiality and Security: NuView restricts access to non-public personal information to those employees who need to know that information to provide products and services to the Account Owner. NuView maintains physical, electronic, and procedural guidelines that comply with federal standards to guard the Account Owner’s non-public personal information. NuView reserves the right to xxxxx e this notice and will notify the Account Owner of any changes in advance. Please contact NuView at the address and or telephone number listed on the cover page of the Account opening documents if there are any questions regarding this policy. Amendments: NuView has the right to amend this Agreement at any time pursuant to notice to me and my consent. Any amendment NuView make to comply with applicable law does not require my consent. I will be deemed to have consented to any other amendment unless, within 30 days from the date I send the amendment, I notify NuView in writing that I do not consent, that I am terminating this Agreement, and of the arrangements by which assets of Account will be transferred to a successor custodian, trustee or other account.

Unrelated Business Income Tax. I understand that my account is subject to the provisions of IRC Sections 511-514 relating to Unrelated Business Taxable Income (UBTI) of tax- exempt organizations. I agree that if I direct the Administrator to make an investment in my account which generates UBTI, I will be responsible for preparing or having prepared the required IRS Form 990-T tax return, an application for an Employer Identification Number (EIN) for my account, and any other documents that may be required, and to submit them to the Administrator for filing with the Internal Revenue Service at least ten (10) days prior to the date on which the return is due, along with an appropriate directive authorizing the Administrator to execute the forms on behalf of my account and to pay the applicable tax from the assets in my account. I understand that the Custodian and the Administrator do not make any determination of whether or not investments in my account generate UBTI; have no duty to and do not monitor whether or not my account has incurred UBTI; and do not prepare Form 990-T on behalf of my account. Responsibility for determining eligibility and tax consequences: I assume complete responsibility for 1) determining that I am eligible to make a contribution to my account; 2) ensuring that all contributions I make are within the limits set forth by the relevant sections of the Internal Revenue Code; and 3) the tax consequences of any contribution (including a rollover contribution) and distributions. Valuations: I understand that the assets in my Account may be required to be valued annually at the end of each calendar year. If required, I agree to provide the year end value of any illiquid and/or non-publicly traded investments, which may include without limitation limited partnerships, limited liability companies, privately held stock, REITs, BDCs, hedge funds, real estate, secured and unsecured promissory notes, and any other investments as the Custodian shall designate for valuation, by no later than January 15th of each year, with substantiation attached to support the value provided. NuView does not conduct appraisals and does not verify any values provided to it by the Account Owner, Investment Sponsor or any other investment representative. NuView may, as a courtesy, request on behalf of your Account a fair market value from the Investment Sponsor or pricing contact associated with the investment(s) within your Account requiring a value. Any fair market values furnished as a result of the request will be provided to Account Owner via Account statements and the Administrator’s online portal. When required, if NuView does not receive a fair market value for an illiquid asset annually, NuView will use the last provided fair market value or if none, the original purchase price on Account statements. NuView shall have no responsibility to obtain a fair market value from the Account Owner or the Investment Sponsor. An illiquid asset value listed in an Account statement is deemed accepted by the Account Owner, and NuView will have no liability with respect to such statement, if not disputed by the Account Owner in writing within 45 days of the statement being issued in paper or available electronic form. Electronic Communications, Signatures, and Records: I acknowledge and agree that my Account will be subject to the provisions of the Uniform Electronic Transactions Act, as passed in the state where the Custodian is organized (South Dakota Codified Law Sections 53-12 et. seq) and the federal Electronic Signature in Global and National Commerce Act (ESIGN Act, as contained in 15 U.S.C. 7001), as those laws pertain to electronic communication, electronic signatures, and electronic storage of Custodial Account records. I understand that, in lieu of the retention of the original records, NuView may cause any, or all, of their records, and records at any time in their custody, to be photographed or otherwise reproduced to permanent form, and any such photograph or representation shall have the same force and effect as the original thereof and may be admitted in evidence equally with the original if permitted by law. Online Access and Electronic Transactional Requests: If the Account Owner or Representative elect to receive electronic statements and online access, they will be provided access to the myNuView portal via the email address provided on your account application (or updated in writing) and a secure password designated by the Account Owner Health Savings Account Application Longwood, FL 32750 P: (000) 000-0000 | F: (000) 000-0000 E: xxxxxxxxx@xxxxxxxxx.xxx 8 SIGNATURE AND ACKNOWLEDGEMENT (continued) or Representative. When such information is used to access the Account, NuView may rely on the provision of this information as proof of Account Owner or Representative’s identity without further inquiry or verification. Between Account Owner and NuView, Account Owner is solely and exclusively responsible for maintaining the security and confidentiality of Account Owner and Representative’s username and password and any other identifying information used to access the myNuView portal. Liability for Unauthorized Transactions: NuView will not be liable for losses caused by unauthorized access to online accounts via myNuView, including but not limited to losses caused by unauthorized transfers of assets from the Account. Account Owner or a Representative must notify Custodian and Administration if any of the Account Owner or Representative’s secure account login credentials, have been lost or stolen, or if the Account has been accessed without the Account Owner or Representative’s authority. Further, the Account Owner or Representative must notify NuView immediately at 000-000-0000 if an Account statement shows unauthorized transactions. Transactions listed in an Account statement are deemed accepted and authorized by the Account Owner, without further liability on the part of NuView with respect to such statement, or the transactions described therein, if not disputed by the Account Owner in writing within 45 days of the statement being issued in paper or electronic form. No FDIC Insurance for Investments: I recognize that investments purchased and/or held within my Account: 1) may not be insured by the Federal Deposit Insurance Corporation (FDIC); 2) are not a deposit or other obligation of, or guaranteed by, either the Custodian or the Administrator; and 3) are subject to investment risks, including possible loss of the principal amount invested. Our Privacy Policy: The Account Owner has chosen to do business with NuView. As our client, the privacy of the Account Owner’s personal non-public information is very important. NuView values its customer relationships and NuView wants the Account Owner to understand the protections NuView provides in regard to the Accounts. Information NuView May Collect: NuView collects non-public personal information about the Account Owner from the following sources to conduct business with the Account Owner: • Information NuView receives from the Account Owner on applications or other forms; and • Information about the Account Owner’s transactions with NuView, or others. Non-public personal information is non-public information about the Account Owner that NuView may obtain in connection with providing financial products or services to the Account Owner. This could include information the Account Owner gives NuView from account applications, account balances, and account history. Information NuView May Share: NuView does not sell or disclose any non-public information about the Account Owner to anyone, except as permitted by law or as specifically authorized by the Account Owner. NuView does not share non-public personal information with its affiliates or other providers without prior approval by the Account Owner. Federal law allows NuView to share information with providers that process and service the Account Owner’s accounts. All providers of services in connection with NuView have agreed to NuView’s confidentiality and security policies. If the Account Owner decides to close the Account or become an inactive customer, NuView will adhere to the privacy policies and practices as described in this notice. Confidentiality and Security: NuView restricts access to non-public personal information to those employees who need to know that information to provide products and services to the Account Owner. NuView maintains physical, electronic, and procedural guidelines that comply with federal standards to guard the Account Owner’s non-public personal information. NuView reserves the right to revise this notice and will notify the Account Owner of any changes in advance. Please contact NuView at the address and or telephone number listed on the cover page of the Account opening documents if there are any questions regarding this policy. Amendments: NuView has the right to amend this Agreement at any time pursuant to notice to me and my consent. Any amendment NuView make to comply with applicable law does not require my consent. I will be deemed to have consented to any other amendment unless, within 30 days from the date I send the amendment, I notify NuView in writing that I do not consent, that I am terminating this Agreement, and of the arrangements by which assets of Account will be transferred to a successor custodian, trustee or other account.