Common use of Why Clause in Contracts

Why. 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 • Credit history and credit score • Account balances and account transactions When you are no longer our customer, we continue to share your information as described in this notice. What? 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 Xxxxxxx Xxxxx chooses to share; and whether you can limit this sharing. How? Reasons we can share your personal information Does Raymond James share? Can you 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 Yes No For our affiliates’ everyday business purposes — information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you No We don’t share To limit our sharing? Call 1-800-647-7378 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 your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 800-647-7378 or go to xxx.xxxxxxxxxxxx.xxx Questions? Who we are Who is providing this notice? See the Raymond James U.S. legal entities noted below. What we do How does Raymond James 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. For more information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx How does Raymond James collect my personal information? We collect your personal information, for example, when you: • open an account or perform transactions • make a wire transfer or tell us where to send money • tell us about your investment or retirement portfolio We also collect your personal information from others such as credit 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 — 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. See below for more on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Raymond James or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Raymond James does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Other important information Financial advisors may change brokerage and/or investment advisory firms, and the nonpublic personal information collected by us and your advisor may be provided to the new firm so your advisor can continue to service your account(s). If you do not want your financial advisor to provide this information to the new firm, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information to the new firm. You can provide or withdraw this consent at any time by contacting 800-647-7378.

Why. What? The types of personal information we collect and share depend on the product accounts or service services you have with us. This information can include: •  Name, address, Social Security number number, and income •  Account balances and transaction history  Credit history and credit score • Account balances and account transactions scores When you are no longer our customermember, we continue to will not share your information except as permitted or required by law as described in this notice. WhatHow? All financial companies need to share customersmembers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customersmembers’ personal information; the reasons Xxxxxxx Xxxxx Pacific Cascade Federal Credit Union chooses to share; and whether you can limit this sharing. How? Reasons we can share your personal information Does Raymond James Pacific Cascade Federal Credit Union share? Can you limit this sharing? For our everyday business purposes 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 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 purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes purposes— information about your creditworthiness Yes Yes No We don’t share For our non-affiliates to market to you Yes Yes For nonaffiliates to market to you No We don’t share To limit our sharing? Call 1(000) 000-8000000 or (000) 000-647-7378 Please note0000, send us an email at xxxxx@xxxxxxxxxxxxxx.xxx or write to us at: If you are a new customerPacific Cascade Federal Credit Union, we can begin sharing your information 30 days from the date we sent this notice0000 Xxx Xxxxxx, Xxxxxx, XX 00000. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 800-647-7378 or go to xxx.xxxxxxxxxxxx.xxx Questions? Who we are Who is providing this notice? See the Raymond James U.S. legal entities noted below. Pacific Cascade Federal Credit Union What we do How does Raymond James Pacific Cascade 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. For more information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx How does Raymond James collect my personal information? We collect your personal information, for example, when you: • open an account or perform transactions • make a wire transfer or tell us where to send money • tell us about your investment or retirement portfolio We also collect your restrict access to nonpublic personal information from others such as credit bureaus, affiliates or other companies. Why can’t I limit all sharing? Federal law gives about you to those employees and volunteers who need to know 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. See below for more on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Raymond James or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Raymond James does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Other important information Financial advisors may change brokerage and/or investment advisory firms, and the nonpublic personal information collected by us and your advisor may be provided to the new firm so your advisor can continue to service your account(s). If you do not want your financial advisor to provide this information to the new firm, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information to the new firm. You can provide or withdraw this consent at any time by contacting 800-647-7378.

Why. 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; • Credit account balances and payment history; • credit history and credit score • Account balances and account transactions scores. When you are no longer our customerclose your account, we continue to share your information as described in this noticeabout you according to our policies. What? All financial companies need to share customers’ personal information to run their everyday businessbusiness – to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their customers’ personal information; , the reasons Xxxxxxx Xxxxx reason Three Rivers chooses to share; , and whether you can limit this sharing. How? Reasons we can share your personal information information: Does Raymond James Three Rivers share? Can you limit this my sharing? For our everyday business purposes — – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or and 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 Yes No We don’t share For our affiliates’ everyday business purposes — – information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you No We don’t share To limit our sharing? Call 1-800-647-7378 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 your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 800-647-7378 0.000.000.0000 or go to xxx.xxxxxxxxxxxx.xxx xxx.0xxxxxxxxx.xxx/xxxxxxx. Questions? Who we are Who is providing this notice? See the Raymond James U.S. legal entities noted below. What we do How does Raymond James Three Rivers 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. For more information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx How does Raymond James Three Rivers collect my personal information? We collect your personal information, for example, when you: you • open an account or perform transactions deposit money; • make pay your bills or apply for a wire transfer loan; • use your credit or tell us where to send money • tell us about your investment or retirement portfolio debit card. We also collect your personal information from others others, such as credit bureaus, affiliates affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: • only  sharing for affiliates’ everyday business purposes — – information about your creditworthiness • creditworthiness;  affiliates from using your information to market to you • you;  sharing for nonaffiliates to market to you you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Definitions Affiliates Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Raymond James or an Eagle nameThree Rivers has no affiliates. Nonaffiliates Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Raymond James Three Rivers does not share with nonaffiliates so they can market to you. Joint marketing marketing: A formal agreement between nonaffiliated financial companies to provide or that together market financial products or services to you. • Our joint marketing partners include: • Insurance providers • Investment services • Trust services The Credit Union's Website. Use of our website or linking to a site we sponsor may include banks require the use of "cookies," which are small pieces of information a website stores on a visitor's web browser to remind the site about the user the next time the site is visited. We do not store confidential or sensitive information through the use of cookies. Our use of cookies enhances our member's on-line transactions and credit unionseases navigation through our website. Other important information Financial advisors may change brokerage and/or investment advisory firmsFor certain applications, such as on-line transactions, cookies are required to help protect the privacy of a member's transactions by, for example, terminating the session if the member forgets to log out. We collect e-mail addresses from members who request electronic services, and the from users of our website who choose to provide their addresses. Security. We are committed to taking every reasonable precaution to protect individual information that you provide to us. We restrict access to nonpublic personal information collected about you to employees who need to know that information to provide products or services to you. We also maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Notices and "Joint Relationships". Except where expressly required by us and your advisor may be provided applicable law, we will provide all notices to the new firm so your advisor can continue person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to service your account(s)the address noted for said person on the application, agreement or other document. If you do not want your financial advisor this person (member) has agreed to provide this information receive notices and disclosures electronically, then we can send all such notices and notifications, to the new firme-mail or Internet address provided by said person. All joint owners, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California borrowers and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information guarantors agree to the new firm. You can provide receipt and sufficiency of any notice or withdraw notification sent according to this consent at any time by contacting 800-647-7378paragraph.

Why. 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 investment experience • Assets and income • Credit history and credit score • Account balances and account transactions When you are no longer our customer, we continue to share your information as described in this notice. What? 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 Xxxxxxx Xxxxx Raymond James chooses to share; and whether you can limit this sharing. How? Reasons we can share your personal information Does Raymond James share? Can you limit this sharing? For our everyday business purposes 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 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 purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes purposes— information about your creditworthiness Yes Yes No We don’t share For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you No We don’t share To limit our sharing? Call 1-800-647-7378 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 your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 800-647-7378 or go to xxx.xxxxxxxxxxxx.xxx Questions? Who we are Who is providing this notice? See the Raymond James U.S. legal entities noted below. What we do How does Raymond James 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. For more information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx How does Raymond James collect my personal information? We collect your personal information, for example, when you: you • open an account or perform transactions • make a wire transfer or tell us where to send money • tell us about your investment or retirement portfolio We also collect your personal information from others such as credit bureaus, affiliates or and other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: only • sharing for affiliates’ everyday business purposes — 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. See below for more on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Raymond James or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Raymond James does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Other important information Financial advisors (“FA”) may change brokerage and/or investment advisory firms, firms and the nonpublic personal information collected by us and your advisor FA may be provided to the new firm so your advisor FA can continue to service your account(s). If you do not want your financial advisor FA to provide take or receive this information to the new firminformation, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide to share your nonpublic information to with the FA or the new firm, and in those states you must give your written consent before the FA can take or receive your nonpublic information. You can provide or withdraw this consent at any time by contacting 800-647-7378.

Why. 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 score • Account balances and account transactions When you are no longer our customer, we continue to share your information as described in this notice. scores What? All financial companies need to share customersmembers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customersmembers’ personal information; , the reasons Xxxxxxx Xxxxx EECU chooses to share; , and whether you can limit this sharing. How? Reasons we can share your personal information Does Raymond James EECU share? Can you limit this sharing? For our everyday business purposes — such as to 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 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 Information about your transactions and experiences Yes No For our affiliates’ everyday business purposes — information Information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you No We don’t share To limit our sharing? Yes Yes Call 1000-800000-6470000 or 0-7378 000-000-0000. Our menu will prompt you through your choice(s). Please note: If you are a new customermember, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customermember, we continue to share your information as described in this notice. However, you can contact us at any time to To limit our sharingsharing Call 000-000-0000 (local), 0-000-000-0000 (toll-free) or visit xxxx.xxx. Call 800-647-7378 or go to xxx.xxxxxxxxxxxx.xxx Questions? Questions Who we are Who is providing this notice? See the Raymond James U.S. legal entities noted below. EECU What we do How does Raymond James EECU 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. For more information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx How does Raymond James EECU collect my personal information? We collect your personal information, for example, when you: • you open an account or perform transactions • make a wire transfer or tell us where to send deposit money • tell us about you pay your investment bills or retirement portfolio apply for a loan • you use your credit or debit card We also collect your personal information from others others, such as credit bureaus, affiliates or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: 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. See below What happens when I limit sharing for more an account I hold jointly with someone else? Your choices will apply to everyone on your rights under state lawaccount. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Raymond James or an Eagle EECU name; financial companies such as EECU Investment Services and Texas Business Lenders Group; and nonfinancial companies, such as North Texas Insurance Services. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Raymond James does not Nonaffiliates we share with nonaffiliates so they can market to youinclude mortgage servicing companies, insurance companies, plastic card processors (credit/debit/ATM), credit reporting bureaus, data processors, investment services companies, government agencies, direct marketing companies, financial statement publishers, printers or mail houses, and check/share draft printers. Joint marketing Marketing A formal agreement between nonaffiliated financial companies to provide or that together market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Other important information Financial advisors may change brokerage and/or investment advisory firmscard companies, investment, insurance, and other financial services companies. TCN3S3ZFQAYU-1656369029-108 ELECTRONIC COMMUNICATIONS DISCLOSURE AND CONSENT Please read this information carefully and print and retain a copy for your reference. This document is provided in accordance with the nonpublic personal information collected by us Electronic Signatures in Global and your advisor may be provided National Commerce Act. You have requested EECU’s online services where you can apply for membership in EECU, open accounts, request financial products and services, conduct transactions electronically, and sign documents electronically including, but not limited to the new firm so your advisor can continue to service your account(sthose pertaining to, financial products and services, online banking, online bill pay, and loans (collectively, “Online Services”). If By utilizing any of the Online Services, you do agree that EECU may, but is not want your financial advisor obligated to, send any and all communications to provide this information you electronically (collectively referred to the new firmas “Electronic Communications”). We may discontinue, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information to the new firm. You can provide or withdraw this consent at any time and from time to time, Electronic Communications to you and mail any communication to you at the last known address we have on file for you. Electronic Communications include, but are not limited to, information related to any of the Online Services, deposit and loan products, services and features, our decisions related to your applications, the terms and conditions that govern any deposit account or loan we make to you, and all related disclosures, notices, and communications, required by contacting 800-647-7378.law or otherwise. Electronic Communications may also include important information that you would otherwise receive from us through the mail (such as,

Why. 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 Number and income overdraft history • Credit history and credit score scores • Account balances Employment information and account transactions income When you are no longer our customermember, we continue to share your information as described in this notice. What? All financial companies need to share customersmembers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customersmembers’ personal information; the reasons Xxxxxxx Xxxxx Franklin-Oil Region Credit Union chooses to share; and whether you can limit this sharing. How? Reasons we can share your personal information Does Raymond James Franklin-Oil Region Credit Union share? Can you 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 and report to credit bureaus Yes No YES NO For our marketing purposes — – to offer our products and services to you Yes No YES NO For joint marketing with other financial companies Yes No YES NO For our affiliates’ everyday business purposes — – information about your transactions and experiences Yes No NO We don’t share For our affiliates’ everyday business purposes — – information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes NO We don’t share For nonaffiliates to market to you No NO We don’t share To limit our sharing? Call 1(000) 000-800-647-7378 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 your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 800-647-7378 0000 or go to xxx.xxxxxxxxxxxx.xxx xxx.xxx-xx.xxx Questions? Who we are Who is providing this notice? See the Raymond James U.S. legal entities noted below. What we do How does Raymond James Franklin-Oil Region 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. For more information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx How does Raymond James Franklin-Oil Region Credit Union collect my personal information? We collect your personal information, for example, when you: you • open Open an account or perform transactions make deposits or withdrawals from your account • make a wire transfer Show your government-issued ID or tell us where to send money provide employment information • tell us about your investment or retirement portfolio Apply for financing We also collect your personal information from others others, such as credit bureaus, affiliates affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: only • sharing Sharing for affiliates’ everyday business purposes — – information about your creditworthiness creditworthiness; • affiliates Affiliates from using your information to market to you you; • sharing Sharing for nonaffiliates to market to you you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Raymond James or an Eagle nameFranklin - Oil Region Credit Union has no affiliates. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Raymond James Franklin - Oil Region Credit Union does not share with our nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Other important information Financial advisors may change brokerage and/or investment advisory firms, and the nonpublic personal information collected by us and your advisor may be provided to the new firm so your advisor can continue to service your account(s). If you do not want your financial advisor to provide this information to the new firm, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information to the new firm. You can provide or withdraw this consent at any time by contacting 800-647-7378.

Why. The types of personal information we collect collect, and share depend on the product or service you have with us. This information can include: • ▪ Social Security number and income • Credit history Date of birth ▪ Address and credit score • Account Phone number ▪ Email address and Government issued identification ▪ account balances and account transactions When you are no longer our customer, we continue to share your information as described in this notice. payment history What? 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 Xxxxxxx Xxxxx BlockFi chooses to share; and whether you can limit this sharing. How? Reasons we can share your personal information Does Raymond James share? Can you limit this sharing? For our everyday business purposes purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus investigations Yes No For our marketing purposes purposes— to offer our products and services to you Yes No For joint marketing with other financial companies Yes No N/A For our affiliates’ everyday business purposes purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes purposes— information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes No N/A For nonaffiliates to market to you No We don’t share To limit Yes Yes* ▪ Call 000-000-0000 - our sharing? Call 1-800-647-7378 menu will prompt you through your choice(s) or ▪ Visit us online: xxxxxxx.xxx/xxxxxxx Please note: If you are a new customer, we can begin sharing your information 30 O days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 800000-647000-7378 0000 or go to xxx.xxxxxxxxxxxx.xxx Questions? Who we are xxx.xxxxxxx.xxx Who is providing this notice? See the Raymond James U.S. legal entities noted below. What we do BlockFi Inc. How does Raymond James BlockFi Inc. 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. For more information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx How does Raymond James BlockFi Inc collect my personal information? We collect your personal information, for example, when you: • open an account you ■ apply for a loan or perform transactions • make a give us your contact information ■ pay your bills or give us your income information ■ wire transfer or tell us where to send money • tell us about your investment or retirement portfolio funds ■ provide employment information We also collect your personal information from others others, such as credit bureaus, affiliates affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: • only ■ sharing for affiliates’ everyday business purposes 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. See below for more on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Raymond James or an Eagle name. ■ BlockFi Lending LLC, BlockFi Trading LLC Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Raymond James does not ■ Nonaffiliates we share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Other important information Financial advisors may change brokerage and/or investment advisory firmsfinancial, accounting, legal, marketing, and the nonpublic personal information collected by us and your advisor may be provided to the new firm so your advisor can continue to service your account(s). If you do not want your financial advisor to provide this information to the new firm, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information to the new firm. You can provide or withdraw this consent at any time by contacting 800-647-7378.technology companies

Why. 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  Credit history History and credit score • Account balances and account transactions Credit Scores When you are no longer our customer, we continue to share your information as described in this notice. WhatHow? 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 Xxxxxxx Xxxxx Equitable Bank chooses to share; and whether you can limit this sharing. How? Reasons we can share your personal information Does Raymond James Equitable Bank share? Can you limit this sharing? For our everyday business purposes 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 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 purposes— information about your transactions and experiences Yes No We don’t share For our affiliates’ everyday business purposes purposes— information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you No We don’t share To limit our sharingQuestions? Call 1000-800000-647-7378 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 your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 800-647-7378 0000 or go to xxx.xxxxxxxxxxxx.xxx Questions? Who we are Who is providing this notice? See the Raymond James U.S. legal entities noted below. xxx.xxxxxxxxxxxxxxx.xxx What we do How does Raymond James Equitable Bank 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. For more information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx How does Raymond James Equitable Bank collect my personal information? We collect your personal information, for example, when you: • open you  Open an account or perform transactions • make deposit money  Pay your bills or apply for a wire transfer loan  Use your credit or tell us where to send money • tell us about your investment or retirement portfolio debit card We also collect your personal information from others others, such as credit bureaus, affiliates affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: • only  sharing for affiliates’ everyday business purposes — 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. See below for more on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Raymond James or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Raymond James does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Other important information Financial advisors may change brokerage and/or investment advisory firms, and the nonpublic personal information collected by us and your advisor may be provided to the new firm so your advisor can continue to service your account(s). If you do not want your financial advisor to provide this information to the new firm, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information to the new firm. You can provide or withdraw this consent at any time by contacting 800-647-7378.

Why. 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 • Credit  Transaction history and credit score •  Checking account information  Account balances and account transactions  Purchase history  Risk Tolerance When you are no longer our customer, we continue to share your information as described in this notice. WhatHow? 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 Xxxxxxx Xxxxx Fidelity Information Services, LLC chooses to share; and whether you can limit this sharing. How? Reasons we can share your personal information Does Raymond James Fidelity Information Services, LLC share? Can you limit this sharing? For our everyday business purposes 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 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 purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes purposes— information about your creditworthiness Yes Yes No We don’t share For our affiliates to market to you Yes Yes For nonaffiliates to market to you No We don’t share For nonaffiliates to market to you Yes Yes To limit our sharing? sharing  Call 1000-800000-647-7378 0000—our menu will prompt you through your choice(s) Please note: If you are a new customer, we can begin sharing your information 30 [30] days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 800-647-7378 or go to xxx.xxxxxxxxxxxx.xxx Questions? Call 000-000-0000. Page 2 Who we are Who is providing this notice? See the Raymond James U.S. legal entities noted belowFidelity Information Services, LLC. It applies to your Kum & Go &Rewards Debit Card issued by Fidelity Information Services, LLC. What we do How does Raymond James Fidelity Information Services, LLC 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. For more information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx How does Raymond James Fidelity Information Services, LLC collect my personal information? We collect your personal information, for example, when you: • open you  Open an account or perform transactions • make a wire transfer or tell  Use your debit card  Give us where to send money • tell us about your investment or retirement portfolio We also collect your personal contact information from others such as credit bureaus, affiliates or other companies.  Provide account information Why can’t I limit all sharing? Federal law gives you the right to limit only: • only  sharing for affiliates’ everyday business purposes — 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. See below What happens when I limit sharing for more an account I hold jointly with someone else? Your choices will apply to everyone on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Raymond James or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Raymond James does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Other important information Financial advisors may change brokerage and/or investment advisory firms, and the nonpublic personal information collected by us and your advisor may be provided to the new firm so your advisor can continue to service your account(s). If you do not want your financial advisor to provide this information to the new firm, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information to the new firm. You can provide or withdraw this consent at any time by contacting 800-647-7378account.

Why. 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 • Credit credit history  Account transactions and credit score • overdraft history  Account balances and account transactions transaction history When you are no longer our customer, we continue to share your information as described in this notice. What? 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 Xxxxxxx Xxxxx Brookline Bank chooses to share; and whether you can limit this sharing. How? Reasons we can share your personal information Does Raymond James share? Brookline Bank Can you limit this information share? 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 Yes No For our affiliates’ everyday business purposes — information about your creditworthiness Yes Yes No We don’t share For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you No We don’t share To limit our sharingQuestions? Call 1-800-647-7378 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 your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 800-647-7378 000.000.0000 or go to xxx.xxxxxxxxxxxx.xxx Questions? Who we are Who is providing this notice? See the Raymond James U.S. legal entities noted below. xxx.XxxxxxxxxXxxx.xxx BBM 7205 F 02/20 What we do How does Raymond James Brookline Bank 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. For more We regularly test and assess our information security measures, train employees and adopt enhancements as necessary to protect your information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx . How does Raymond James Brookline Bank collect my personal information? We collect your personal information, for example, when you: • you  open an account or perform transactions • apply for a loan  use your debit card or provide account and contact information  make a wire transfer deposits or tell us where to send money • tell us about withdrawals from your investment or retirement portfolio account We also collect your personal information from others others, such as credit bureaus, affiliates bureaus or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: • 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. See below for more on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Raymond James or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Raymond James does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Other important information Financial advisors may change brokerage and/or investment advisory firms, and the nonpublic personal information collected by us and your advisor may be provided to the new firm so your advisor can continue to service your account(s). If you do not want your financial advisor to provide this information to the new firm, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information to the new firm. You can provide or withdraw this consent at any time by contacting 800-647-7378.

Why. 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 • Credit credit history  Account transactions and credit score • overdraft history  Account balances and account transactions transaction history When you are no longer our customer, we continue to share your information as described in this notice. What? 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 Xxxxxxx Xxxxx Brookline Bank chooses to share; and whether you can limit this sharing. How? Reasons we can share your personal information Does Raymond James share? Brookline Bank Can you limit this information share? 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 Yes No For our affiliates’ everyday business purposes — information about your creditworthiness Yes Yes No We don’t share For our affiliates to market to you Yes Yes No We don’t share For nonaffiliates to market to you No We don’t share To limit our sharingQuestions? Call 1-800-647-7378 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 your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 800-647-7378 000.000.0000 or go to xxx.xxxxxxxxxxxx.xxx Questions? Who we are Who is providing this notice? See the Raymond James U.S. legal entities noted below. xxx.XxxxxxxxxXxxx.xxx BBM 7205 F 09/18 What we do How does Raymond James Brookline Bank 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. For more We regularly test and assess our information security measures, train employees and adopt enhancements as necessary to protect your information, please visit xxxxxxxxxxxx.xxx/xxxxxxx_xxxxxxxx . How does Raymond James Brookline Bank collect my personal information? We collect your personal information, for example, when you: • you  open an account or perform transactions • apply for a loan  use your debit card or provide account and contact information  make a wire transfer deposits or tell us where to send money • tell us about withdrawals from your investment or retirement portfolio account We also collect your personal information from others others, such as credit bureaus, affiliates bureaus or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: • 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. See below for more on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a Raymond James or an Eagle name. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Raymond James does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you. • Our joint marketing partners may include banks and credit unions. Other important information Financial advisors may change brokerage and/or investment advisory firms, and the nonpublic personal information collected by us and your advisor may be provided to the new firm so your advisor can continue to service your account(s). If you do not want your financial advisor to provide this information to the new firm, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information to the new firm. You can provide or withdraw this consent at any time by contacting 800-647-7378.