Common use of Use of Your Personal Information Clause in Contracts

Use of Your Personal Information. We may have to collect, use and share certain personal information about you for a number of reasons, including to: • operate the Visa Account • offer you reward programs or other benefits • help protect you against fraud • obtain a credit report about you from a credit reporting agency • give credit reporting agencies information about your payment history on the Visa Account • verify your billing address for Merchants • if you are enrolled in the Visa Account Updater, to provide Merchants with your new Visa Card number or expiry date Vancity has a Privacy Code that explains in more detail why we collect personal information and how we will keep it safe, how we will use it, and when we might share it with others. A copy of the Vancity Privacy Code is available: • online at xxxxxxx.xxx • at any Vancity branch • by calling 000-000-0000 or 0-000-000-0000 (1-888-Vancity) Authorized Users will be able to access material information about the Visa Account, which may include information about Transactions on the Visa Account (including the Primary Cardholder’s Transactions), the Credit Limit, the amount of credit available to them on the Visa Account, and the mailing address for the Visa Account. If the Primary Cardholder has set an individual card limit for the Authorized User, the “credit limit” on the Visa Account details to which the Authorized User has access will appear as the card limit instead of the overall Credit Limit.

Use of Your Personal Information. We may have to collect, use and share certain personal information about you for a number of reasons, including to: • operate the Visa Account • offer you reward programs or other benefits • help protect you against fraud • obtain a credit report about you from a credit reporting agency • give credit reporting agencies information about your payment history on the Visa Account • verify your billing address for Merchants • if you are enrolled in the Visa Account Updater, to provide Merchants with your new Visa Card number or expiry date Vancity Community Investment Bank has a Privacy Code that explains in more detail why we collect personal information and how we will keep it safe, how we will use it, and when we might share it with others. A copy of the Vancity Community Investment Bank Privacy Code is available: • online at xxxxxxx.xxx • at any Vancity branch xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx.xx • by calling 000-000-0000 or 0-000-000-0000 (1-888-Vancity) 0.000.000.0000 Authorized Users will be able to access material information about the Visa Account, which may include information about Transactions on the Visa Account (including the Primary Cardholder’s Transactions), the Credit Limit, the amount of credit available to them on the Visa Account, and the mailing address for the Visa Account. If the Primary Cardholder has set an individual card limit for the Authorized User, the “credit limit” on the Visa Account details to which the Authorized User has access will appear as the card limit instead of the overall Credit Limit.

Use of Your Personal Information. We may have to collect, use and share certain personal information about you for a number of reasons, including to: • operate the Visa Account • offer you reward programs or other benefits • help protect you against fraud • obtain a credit report about you from a credit reporting agency • give credit reporting agencies information about your payment history on the Visa Account • verify your billing address for Merchants • if you are enrolled in the Visa Account Updater, to provide Merchants with your new Visa Card number or expiry date Vancity has a Privacy Code that explains in more detail why we collect personal information and how we will keep it safe, how we will use it, and when we might share it with others. A copy of the Vancity Privacy Code is available: • online at xxxxxxx.xxx • at any Vancity branch • by calling 000-000-0000 000.000.0000 or 0-000-000-0000 0.000.000.0000 (1-888-Vancity1.888.Vancity) Authorized Users will be able to access material information about the Visa Account, which may include information about Transactions on the Visa Account (including the Primary Cardholder’s Transactions), the Credit Limit, the amount of credit available to them on the Visa Account, and the mailing address for the Visa Account. If the Primary Cardholder has set an individual card limit for the Authorized User, the “credit limit” on the Visa Account details to which the Authorized User has access will appear as the card limit instead of the overall Credit Limit.