Common use of WHAT Clause in Contracts

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 When you are no longer our customer, we continue to share your information as described in this notice. HOW? All financial companies need to share customers’ 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 Municipal Credit Union chooses to share; and whether you can 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 our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes - information about your transactions and experiences No We Don’t Share For our affiliates’ everyday business purposes - information about your creditworthiness No We Don’t Share For nonaffiliates to market to you No We Don’t Share Questions? Call Within N.Y. City & Long Island (▇▇▇) ▇▇▇-▇▇▇▇; outside N.Y. City & Long Island (▇▇▇) ▇▇▇-▇▇▇▇ Who is providing this notice? MUNICIPAL CREDIT UNION How does Municipal 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. How does Municipal Credit Union collect my personal information? We collect your personal information, for example, when you • Apply for a loan or open an account • Deposit money or withdraw money • Use your credit card or debit card We also collect your personal information from others, such as credit bureaus and other companies. 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 nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

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 • income. ✓Account balances and payment history • history. ✓Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this noticescores. HOW? All financial companies need to share 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 Municipal Northwest Federal Credit Union chooses to share; and whether you can 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 to report to credit bureaus Yes No For our marketing purposes – to offer our products and services to you Yes No For joint marketing with other financial companies Yes No We do not share For our affiliates’ everyday business purposes - information about your transactions and experiences Yes No We Don’t Share For our affiliates’ everyday business purposes - information about your creditworthiness No We Don’t Share Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you No We Don’t Share Questions? do not share To Limit Our Sharing : • Call Within N.Y. City & Long Island (▇▇▇) ▇▇▇-▇▇▇▇; outside N.Y. City & Long Island (▇▇▇) ▇▇▇-▇▇▇▇ • Visit us online ▇▇▇.▇▇▇▇▇.▇▇▇ • Mail the form at the end of this agreement Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share information as described in this notice. However, you can contact us at any time to limit sharing. Questions? Call ▇▇▇-▇▇▇-▇▇▇▇ or go to ▇▇▇.▇▇▇▇▇.▇▇▇. Who is providing this notice? MUNICIPAL CREDIT UNION Northwest Federal Credit Union How does Municipal Northwest 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. How does Municipal Northwest Federal Credit Union collect my personal information? We collect your personal information, for example, when you • Apply you. ✓Open an account or deposit money ✓Pay your bills or apply for a loan or open an account • Deposit money or withdraw money • ✓Use your credit card or debit card ✓Use your credit or debit card We also collect your personal information from others, such as credit bureaus and bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only • ✓Sharing for affiliates’ everyday business purposes – purposes–information about your creditworthiness • creditworthiness. ✓Affiliates from using your information to market to you • you. ✓Sharing for nonaffiliates 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.

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 security number and income • Account balances and payment Income Assets Risk tolerance Wire transfer instructions Transaction history • Credit history and credit scores When you are no longer our customer, we continue to share your information about you as described in this notice. HOW? All financial companies need to share customers’ 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 Municipal Credit Union Willow Tree chooses to share; and whether you can limit this sharing. For our everyday business purposes - such as to process your transactions, maintain your account(s), accounts(s) or respond to court orders and legal investigations, or report to credit bureaus . Yes No For our marketing purposes – - to offer our products and services to you Yes No We don’t share For joint marketing with other financial companies Yes No We don’t share For our affiliates’ ' everyday business purposes - information about your transactions and experiences Yes No We Don’t Share For our affiliates’ ' everyday business purposes - – information about your creditworthiness No We Dodon’t Share For nonaffiliates to market to you No We Don’t Share share Questions? Call Within N.Y. City & Long Island (▇▇▇) ▇▇▇-▇▇▇▇; outside N.Y. City & Long Island ▇▇ ▇▇▇, Deputy General Counsel and Chief Compliance Officer Willow Tree Capital Corp Advisors LLC ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇ ▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇ Who is providing this notice? MUNICIPAL CREDIT UNION Willow Tree Capital Corp Advisors LLC Willow Tree Capital Corporation How does Municipal Credit Union Willow Tree 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. How does Municipal Credit Union Willow Tree collect my personal information? We collect your personal information, for example, when you • Apply for a loan 1. Enter into an investment advisory contract 2. Seek financial advice 3. Make deposits or open an withdrawals from your account • Deposit money 4. Tell us about your investment or withdraw money • Use retirement portfolio 5. Give us your credit card or debit card employment history We may also collect your personal information from others, such as credit bureaus and bureaus, affiliates or other companies. Why can’t n't I limit all sharing? Federal law gives you the right to limit only • Sharing 1. sharing for affiliates’ everyday business purposes – purposes—information about your creditworthiness • Affiliates 2. affiliates from using your information to market to you • Sharing 3. sharing for nonaffiliates 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.

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 • income. ✓Account balances and payment history • history. ✓Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this noticescores. HOW? All financial companies need to share 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 Municipal Northwest Federal Credit Union chooses to share; and whether you can 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 to report to credit bureaus Yes No For our marketing purposes – to offer our products and services to you Yes No For joint marketing with other financial companies Yes No We do not share For our affiliates’ everyday business purposes - information about your transactions and experiences Yes No We Don’t Share For our affiliates’ everyday business purposes - information about your creditworthiness No We Don’t Share Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you No We Don’t Share Questions? do not share To Limit Our Sharing : • Call Within N.Y. City & Long Island (▇▇▇) ▇▇▇-▇▇▇▇; outside N.Y. City & Long Island (▇▇▇) ▇▇▇-▇▇▇▇ • Visit us online ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ • Mail the form at the end of this agreement Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share information as described in this notice. However, you can contact us at any time to limit sharing. Questions? Call ▇▇▇-▇▇▇-▇▇▇▇ or go to ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. Who is providing this notice? MUNICIPAL CREDIT UNION Northwest Federal Credit Union How does Municipal Northwest 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. How does Municipal Northwest Federal Credit Union collect my personal information? We collect your personal information, for example, when you • Apply you. ✓Open an account or deposit money ✓Pay your bills or apply for a loan or open an account • Deposit money or withdraw money • ✓Use your credit card or debit card ✓Use your credit or debit card We also collect your personal information from others, such as credit bureaus and bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only • ✓Sharing for affiliates’ everyday business purposes – purposes–information about your creditworthiness • creditworthiness. ✓Affiliates from using your information to market to you • you. ✓Sharing for nonaffiliates 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.

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 security number and income • Account balances and payment ■ Income ■ Assets ■ Risk tolerance ■ Wire transfer instructions ■ Transaction history • Credit history and credit scores When you are no longer our customer, we continue to share your information about you as described in this notice. HOW? All financial companies need to share customers’ 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 Municipal Credit Union K▇▇▇▇▇▇ ▇▇▇▇▇ chooses to share; and whether you can limit this sharing. For our everyday business purposes - such as to process your transactions, maintain your account(s), accounts(s) or respond to court orders and legal investigations, or report to credit bureaus . Yes No For our marketing purposes – - to offer our products and services to you Yes No No For joint marketing with other financial companies Yes No No For our affiliates’ everyday business purposes - information about your transactions and experiences No We Don’t Share No For our affiliates’ everyday business purposes - – information about your creditworthiness No We Don’t Share For nonaffiliates to market to you No We Don’t Share Questions? Call Within N.Y. City & Long Island (▇▇▇) ▇▇▇-R▇▇▇▇; outside N.Y. City & Long Island (▇ ▇▇▇) ▇▇▇-▇▇▇▇ Chief Compliance Officer, 212.782.3840 Who is providing this notice? MUNICIPAL CREDIT UNION K▇▇▇▇▇▇ ▇▇▇▇▇ Capital Holdings LLC How does Municipal Credit Union K▇▇▇▇▇▇ ▇▇▇▇▇ 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. How does Municipal Credit Union K▇▇▇▇▇▇ ▇▇▇▇▇ collect my personal information? We collect your personal information, for example, when you • Apply for a loan or open ■ Enter into an account • Deposit money or withdraw money • Use investment advisory contract ■ Give us your credit card or debit card We also collect your personal information from others, such as credit bureaus and other companies. employment history 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 nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

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 employment information assets and income • Account account balances and payment transaction history • Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice. HOW? All financial companies need to share customers’ 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 Municipal Credit Union chooses Fidelity Investments and the Fidelity Funds (hereinafter referred to as “Fidelity”) choose to share; , and whether you can 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 our products and services to you Yes No For joint marketing with other financial companies Yes No We don’t share For our affiliates’ everyday business purposes - — information about your transactions and experiences Yes No We Don’t Share Fidelity Private Credit Fund | Subscription Agreement 15 For our affiliates’ everyday business purposes - — information about your creditworthiness No We Dodon’t Share share For nonaffiliates to market to you No We Dodon’t Share Questionsshare QUESTIONS? Call Within N.Y. City & Long Island (8▇▇.▇▇▇) ▇▇▇-.▇▇▇▇; outside N.Y. City & Long Island (▇▇▇) ▇▇▇-▇▇▇▇ . If we serve you through an investment professional, please contact them directly. Specific Internet addresses, mailing addresses, and telephone numbers are listed on your statements and other correspondence. Who is providing this notice? MUNICIPAL CREDIT UNION Companies owned by Fidelity Investments and using the Fidelity name to provide financial services to customers, and the Fidelity Funds. A list of companies is located at the end of this notice. How does Municipal Credit Union Fidelity 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. How does Municipal Credit Union Fidelity collect my personal information? We collect your personal information, for example, when you • Apply for a loan or open •open an account • Deposit money or withdraw money • Use direct us to buy/sell your credit card securities •provide account information or debit card give us your contact information •tell us about your investment portfolio We also collect your personal information from others, such as credit bureaus and bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only • Sharing •sharing for affiliates’ everyday business purposes – — information about your creditworthiness • Affiliates •affiliates from using your certain information to market to you • Sharing •sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.