Common use of Using Your Personal Information Clause in Contracts

Using Your Personal Information. We may use this Personal Information for the purposes communicated to you at the time of collection or in your agreement(s) with us, including to: • verify your identity and to authenticate you when you contact us or we contact you; • evaluate and process your application, account, transaction and reports; • set up your accounts and provide ongoing service; • provide you with products and services you have requested; • communicate with you, including to respond to your inquiries; • understand your product and service requirements; • market a product or service, either directly or through a service provider, partner or third party; • determine your eligibility for some of our products and services and offer them to you; • help manage and assess our risks, operations and relationship with you; • prevent, detect or investigate fraud or criminal activity; • comply with legal, regulatory, governmental and contractual requirements. We may also use your Personal Information for other purposes with your consent or as permitted or required by law. If for any reason your information is required to fulfill a different purpose then that of your original intent, we will ask for your consent before we proceed. Sharing Your Personal Information We may share your Personal Information: • with Maple Finance partnering companies • with our employees, agents, service providers and any other entities that perform services on our behalf (collectively, 'service providers'). You acknowledge that some of our service providers may be located outside of Canada and as such your Personal Information may be accessible to governmental, national security and regulatory authorities in accordance with the laws of these jurisdictions; • with other organizations or agents with whom you have arrangements and to whom you have provided consent directly; • with other financial institutions to process payments or to verify information such as your identity and income; • with payment card networks in order to operate or administer the payment card system that supports the products, services or accounts you may have with us; • to meet requests for information from regulators; • to satisfy legal, audit, insurance, self-regulatory and regulatory requirements applicable to us; • in any negotiations for the sale or assignment or proposed sale or assignment of all or part of our business or assets (including the sale of mortgages) and to our successors and assigns who may use the information for similar purposes as those described in this Agreement; • to other parties connected with your account, as applicable (e.g. guarantors, powers of attorney and other people named on the application); • to a joint account holder, including limited information about the account prior to it becoming a joint account; • where permitted or required by law. We do not sell the names or other Personal Information of our customers. We do not disclose the names or other Personal Information of our customers to other companies outside of Maple Finance without consent, unless required or permitted by law. We may use affiliates or other companies to provide services on our behalf such as data processing, account administration, analytics and marketing. Such companies will be given only the Personal Information needed to perform those services and we do not authorize them to use or disclose Personal Information for their own marketing or other purposes. We have or will have contracts in place holding these companies to the same standards of confidentiality by which we are governed.

Using Your Personal Information. We may use this Personal Information your personal information for the purposes communicated to you at the time of collection or in your agreement(s) with usseveral different purposes, including toincluding: • verify to consider your identity and to authenticate you when you contact us or we contact you; • evaluate and process your application, account, transaction and reports; • set up your accounts and provide ongoing service; • provide you with products and services you have requested; • communicate with you, including to respond to your inquiries; • understand your product and service requirements; • market application for a product or service, either directly or through a service provider, partner or third party; • determine your eligibility for some of our to enable us to provide a product or service; • to tell you about other products and services and offer them that may be of interest to you; • help manage and assess our risks, operations and relationship to assist in arrangements with youother organisations in relation to a promotion or provision of a product or service; • preventto manage accounts or perform other administrative and operational tasks (including risk management, detect systems development and testing, credit scoring and staff training, collecting debts and market or customer satisfaction research); • to consider any concerns or complaints you raise against us and/or to manage any legal action; • to prevent or investigate fraud any actual or criminal activitysuspected fraud, unlawful activity or misconduct; • comply to identify you or establish your tax status under any Australian or foreign legislation, regulation or treaty, pursuant to an agreement with legalany tax authority; • as required by relevant laws, regulatoryregulations, governmental codes of practice and contractual requirementsexternal payment systems; and • brokers and/or other related entities who may have introduced you to us. We may also disclose your personal information to related entities or business partners to enable them to tell you about a product or service that may be of interest to you. LEGAL BASIS FOR PROCESSING YOUR DATA (EEA) If you reside in the European Economic Area (EEA), we collect and process information about you only where we have a legal basis to do so under the GDPR. The legal basis we rely on depends on the services you use and how you use them. This means we collect and use your Personal Information information only where: • we need to process your data to comply with a legal obligation; • it satisfies a legitimate interest (which is not overridden by your data protection interests), such as for other purposes with your research and development, to market and promote our services, and to protect our legal rights and interests; • you give us consent or as permitted or required by lawto do so for a specific purpose. If you have consented to our use of information about you for a specific purpose, you have the right to change your mind at any reason time, but this will not affect any processing that has already taken place. Where we are using your information is required because we have a legitimate interest to fulfill a different purpose then that of your original intentdo so, we will ask for your consent before we proceed. Sharing Your Personal Information We may share your Personal Information: • with Maple Finance partnering companies • with our employees, agents, service providers and any other entities that perform services on our behalf (collectively, 'service providers'). You acknowledge that some of our service providers may be located outside of Canada and as such your Personal Information may be accessible to governmental, national security and regulatory authorities in accordance with the laws of these jurisdictions; • with other organizations or agents with whom you have arrangements and the right to whom object to that use. However, this may mean you have provided consent directly; • with other financial institutions will no longer be able to process payments access our products or to verify information such as your identity and income; • with payment card networks in order to operate or administer the payment card system that supports the products, services or accounts you may have with us; • to meet requests for information from regulators; • to satisfy legal, audit, insurance, self-regulatory and regulatory requirements applicable to us; • in any negotiations for the sale or assignment or proposed sale or assignment of all or part of our business or assets (including the sale of mortgages) and to our successors and assigns who may use the information for similar purposes as those described in this Agreement; • to other parties connected with your account, as applicable (e.g. guarantors, powers of attorney and other people named on the application); • to a joint account holder, including limited information about the account prior to it becoming a joint account; • where permitted or required by law. We do not sell the names or other Personal Information of our customers. We do not disclose the names or other Personal Information of our customers to other companies outside of Maple Finance without consent, unless required or permitted by law. We may use affiliates or other companies to provide services on our behalf such as data processing, account administration, analytics and marketing. Such companies will be given only the Personal Information needed to perform those services and we do not authorize them to use or disclose Personal Information for their own marketing or other purposes. We have or will have contracts in place holding these companies to the same standards of confidentiality by which we are governedservices.

Using Your Personal Information. We This information may use this Personal Information be used from time to time for the purposes communicated following purposes: n to you at the time of collection or in your agreement(s) with us, including to: • verify your identity and investigate your personal background; n to authenticate you when you contact us or we contact you; • evaluate open and process operate your application, account, transaction account(s) and reports; • set up your accounts and provide ongoing service; • provide you with products and services you have requestedmay request; • communicate with you, including n to respond to your inquiries; • better understand your product and service requirementsfinancial situation; • market a product or service, either directly or through a service provider, partner or third party; • n to determine your eligibility for some of our products and services we offer; n to help us better understand the current and offer them to you; • help manage and assess our risks, operations and relationship with you; • prevent, detect or investigate fraud or criminal activity; • comply with legal, regulatory, governmental and contractual requirements. We may also use your Personal Information for other purposes with your consent or as permitted or required by law. If for any reason your information is required to fulfill a different purpose then that of your original intent, we will ask for your consent before we proceed. Sharing Your Personal Information We may share your Personal Information: • with Maple Finance partnering companies • with our employees, agents, service providers and any other entities that perform services on our behalf (collectively, 'service providers'). You acknowledge that some future needs of our service providers may be located outside of Canada clients; n to communicate to you any benefit, feature and as such your Personal Information may be accessible to governmental, national security other information about products and regulatory authorities in accordance with the laws of these jurisdictions; • with other organizations or agents with whom services you have arrangements and to whom you have provided consent directly; • with other financial institutions to process payments or to verify information such as your identity and income; • with payment card networks in order to operate or administer the payment card system that supports the products, services or accounts you may have with us; • n to meet requests for information from regulators; • to satisfy legal, audit, insurance, self-regulatory help us better manage our business and regulatory requirements applicable to your relationship with us; • in any negotiations for n to maintain the sale or assignment or proposed sale or assignment accuracy and integrity of all or part of our business or assets (including the sale of mortgages) information held by a credit reporting agency; and to our successors and assigns who may use the information for similar purposes n as those described in this Agreement; • to other parties connected with your account, as applicable (e.g. guarantors, powers of attorney and other people named on the application); • to a joint account holder, including limited information about the account prior to it becoming a joint account; • where permitted or required by law. We do not sell the names or other Personal Information of our customers. We do not disclose the names or other Personal Information of our customers to other companies outside of Maple Finance without consent, unless required or permitted by law. For these purposes, we may: n make this information available to our employees, our agents and service providers, who are required to maintain the confidentiality of this information; n share this information with other financial institutions; and n give credit, financial and other related information to credit reporting agencies who may share it with others. In the event our service provider is located outside of Canada, the service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located. Upon your request, we may give this information to other persons. We may also use affiliates this information and share it with RBC companies (i) to manage our risks and operations and those of RBC companies, (ii) to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies to provide services on our behalf such as data processingknow your choices under “Other uses of your personal information” for the sole purpose of honouring your choices. If we have your social insurance number, account administrationwe may use it for tax related purposes if you hold a product generating income and share it with the appropriate government agencies, analytics and marketing. Such companies will be given only the Personal Information needed to perform those services and we do not authorize them may also share it with credit reporting agencies as an aid to use or disclose Personal Information for their own marketing or other purposes. We have or will have contracts in place holding these companies to the same standards of confidentiality by which we are governedidentify you.

Using Your Personal Information. We may use this Personal Information from time to time for the purposes communicated following purposes:  to you at the time of collection or in verify your agreement(s) with usidentity, including to: • verify checking your identity name against Canadian and foreign watch lists;  to authenticate you when you contact us or we contact youevaluate your current and ongoing creditworthiness, including by obtaining credit reports; •  to evaluate and process your application, account, transaction and reports; • set up your accounts and provide ongoing service; •  to provide you with products and services you have requested; •  to communicate with you, including to respond to your inquiries; •  to understand your product and service requirements; •  to market a product or service, either directly or through a service provider, partner or third partyan affiliate; •  to determine your eligibility for some of our products and services and offer them to you; •  to help manage and assess our risks, operations and relationship with you; • prevent, detect or investigate  to protect you and us against fraud or criminal activityand error; •  to collect amounts owing to us;  to maintain the accuracy and integrity of information held by a credit reporting agency; and  to comply with legal, regulatory, governmental and contractual requirements. We may also use your Personal Information for other purposes with your consent or as permitted or required by law. If for any reason your information is required to fulfill a different purpose then that of your original intent, we will ask for your consent before we proceed. Sharing Your Personal Information We may share your Personal Information: • with Maple Finance partnering companies •  with our employees, agents, service providers and any other entities that perform services on our behalf (collectively, 'service providers'). You acknowledge that some of our service providers may be located outside of Canada and as such your Personal Information may be accessible to governmental, national security and regulatory authorities in accordance with the laws of these jurisdictions; • with other organizations or agents with whom you have arrangements and to whom you have provided consent directly; •  with other financial institutions to process payments or to verify information such as your identity and incomeidentity; •  with payment card networks in order to operate or administer the payment card system that supports the products, services or accounts you may have with us; •  in response to a court order, search warrant or other demand or request we believe to be valid;  to meet requests for information from regulators; •  to satisfy legal, audit, insurance, self-regulatory and regulatory requirements applicable to us; •  in any negotiations for the sale or assignment or proposed sale or assignment of all or part of our business or assets (including the sale of mortgages) and to our successors and assigns who may use the information for similar purposes as those described in this Agreement; •  to other parties connected help us collect a debt or enforce an obligation owed to us by you;  with any person or organization, including an investigative body, in order to prevent, detect or suppress financial abuse, fraud, criminal activity, protect our assets and interests, assist us with any internal or external investigation into potentially illegal or suspicious activity or manage, defend or settle any actual or potential loss;  with your accountconsent (e.g., as applicable (e.g. guarantors, powers of attorney and other people named with another individual on the application); • to a joint account holder, including limited information about the account prior to it becoming a joint account); • and  where permitted or required by law. We do not sell the names or other Additional Collection, Use and Sharing of Your Personal Information of our customers. Social Insurance Number ('SIN'): We do not disclose the names or other Personal Information of our customers to other companies outside of Maple Finance without consentwill collect, unless use and share your Social Insurance Number (SIN) for income tax reporting purposes, as required or permitted by law. We require your SIN for products that earn interest or dividend income to comply with the Canada Revenue Agency’s reporting requirements. In addition, we may use affiliates or other companies ask you for your SIN to provide services on our behalf such verify and report credit information to credit bureaus and credit reporting agencies as data processing, account administration, analytics and marketingwell as to confirm your identity. Such companies will be given only the This allows us to keep your Personal Information needed to perform separate from that of other clients, particularly those services with similar names, and we do helps maintain the integrity and accuracy of your Personal Information. You may not authorize them to use refuse or disclose withdraw your consent for purposes required by law. Verification of Information: We may verify your Personal Information with credit bureaus, credit insurers, registries, financial service industry databases, investigative bodies, your employer, personal references and other lenders. Credit Consent: If you have a line of credit, loan, mortgage, guarantee or any other credit facility with us, we may use, obtain, verify, share and exchange credit and other information about you with others (including credit bureaus, mortgage insurers, creditor insurers, registries and other persons with whom you may have financial dealings, as well as any other person as may be permitted or required by law) at the time of your application, at any time during the application process and on an ongoing basis while you are a client, for their own marketing or other purposes. We have or will have contracts in place holding these companies to the same standards purposes of confidentiality by which we are governedevaluating your current and ongoing creditworthiness and maintaining your credit history.

Using Your Personal Information. We This information may use this Personal Information be used from time to time for the purposes communicated following purposes: ◼ to you at the time of collection or in your agreement(s) with us, including to: • verify your identity and investigate your personal background; ◼ to authenticate you when you contact us or we contact you; • evaluate open and process operate your application, account, transaction account(s) and reports; • set up your accounts and provide ongoing service; • provide you with products and services you have requestedmay request; • communicate with you, including ◼ to respond to your inquiries; • better understand your product and service requirementsfinancial situation; • market a product or service, either directly or through a service provider, partner or third party; • ◼ to determine your eligibility for some of our products and services we offer; ◼ to help us better understand the current and offer them to you; • help manage and assess our risks, operations and relationship with you; • prevent, detect or investigate fraud or criminal activity; • comply with legal, regulatory, governmental and contractual requirements. We may also use your Personal Information for other purposes with your consent or as permitted or required by law. If for any reason your information is required to fulfill a different purpose then that of your original intent, we will ask for your consent before we proceed. Sharing Your Personal Information We may share your Personal Information: • with Maple Finance partnering companies • with our employees, agents, service providers and any other entities that perform services on our behalf (collectively, 'service providers'). You acknowledge that some future needs of our service providers may be located outside of Canada clients; ◼ to communicate to you any benefit, feature and as such your Personal Information may be accessible to governmental, national security other information about products and regulatory authorities in accordance with the laws of these jurisdictions; • with other organizations or agents with whom services you have arrangements and to whom you have provided consent directly; • with other financial institutions to process payments or to verify information such as your identity and income; • with payment card networks in order to operate or administer the payment card system that supports the products, services or accounts you may have with us; • ◼ to meet requests for information from regulators; • to satisfy legal, audit, insurance, self-regulatory help us better manage our business and regulatory requirements applicable to your relationship with us; • in any negotiations for ◼ to maintain the sale or assignment or proposed sale or assignment accuracy and integrity of all or part of our business or assets (including the sale of mortgages) information held by a credit reporting agency; and to our successors and assigns who may use the information for similar purposes ◼ as those described in this Agreement; • to other parties connected with your account, as applicable (e.g. guarantors, powers of attorney and other people named on the application); • to a joint account holder, including limited information about the account prior to it becoming a joint account; • where permitted or required by law. We do not sell the names or other Personal Information of our customers. We do not disclose the names or other Personal Information of our customers to other companies outside of Maple Finance without consent, unless required or permitted by law. For these purposes, we may: ◼ make this information available to our employees, our agents and service providers, who are required to maintain the confidentiality of this information; ◼ share this information with other financial institutions; and ◼ give credit, financial and other related information to credit reporting agencies who may share it with others. In the event our service provider is located outside of Canada, the service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located. Upon your request, we may give this information to other persons. We may also use affiliates this information and share it with RBC companies (i) to manage our risks and operations and those of RBC companies, (ii) to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies to provide services on our behalf such as data processingknow your choices under “Other uses of your personal information” for the sole purpose of honouring your choices. If we have your social insurance number, account administrationwe may use it for tax related purposes if you hold a product generating income and share it with the appropriate government agencies, analytics and marketing. Such companies will be given only the Personal Information needed to perform those services and we do not authorize them may also share it with credit reporting agencies as an aid to use or disclose Personal Information for their own marketing or other purposes. We have or will have contracts in place holding these companies to the same standards of confidentiality by which we are governedidentify you.