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COOKIES POLICY

COOKIES POLICY.

Currently, our website uses cookies to provide you with the best experience possible. We, in addition to

our service providers, affiliates, agents, advertisers, or other parties in connection with the website, may

deploy cookies, web beacons, local shared objects, and other tracking technologies for various

purposes. Such shall be for business use, marketing purposes, fraud prevention, and to assist in the day-

to-day operations of the website.

a.) "Cookies" Defined. Cookies act as data that is communicated between a user's web browser and a

website or application. They are stored on your device to help track their areas of interest, provide the

best experience possible, and customize the content, products, services, offerings, and advertisements

served on the website. Most web browsers adjust to your browser's settings to decline or delete

cookies, but doing so may degrade the experience with our online services.

b.) 1-Pixel Images. Clear GIFs, pixel tags, or web beacons, which are generally 1-pixel, are transparent

images located on a webpage or in an e-mail or other trackable source and may be used on our website

in addition to any other communication offered by us. They are often used in connection with

advertisements served to you that are interacted with, whether on our website or another online service

and shared with us. This type of tracking is specifically meant to recognize users, assess traffic patterns,

and measure site or campaign engagement.

c.) Flash Cookies. Local Shared Objects, sometimes known as "flash cookies," may be stored on your

device using a media player or other software. Flash cookies are similar to cookies in terms of their

operation but may be managed in your browser in the same manner.

d.) First (1) Party & Third (3) Cookies. First (1") party cookies are stored by a domain (website)

you are visiting directly. They allow us to collect analytics data, remember preferred settings (e.g.,

language, currency, etc.), and perform related functions. Third (3) party cookies are created by

domains other than those you are visiting directly, hence its name "third (3") party." They may be used

for cross-tracking, retargeting, and ad-serving.

e.) Essential Cookies. Such cookies are technically necessary to provide website functionality. They

act as a basic form of memory, used to store the preferences selected by a user on a given website or

application. They are essential to browsing functionality and cannot be disabled by users. As an

example, an essential cookie may be used to recognize a past user from having to log in each time they

visit a new page in the same session.

f.) Performance and Function Cookies. Such cookies are used to enhance the performance and

functionality of a website but are not essential to its use. However, without these cookies, certain

functions (like videos) may become unavailable.

g.) Advertising Cookies. Such cookies are used to customize a user's ad experience on a website.

When using data collected from cookies, it can prevent the same ad from appearing multiple times in

the same session or that does not offer a pleasant experience. Advertising cookies may be used to serve

a user with related services, products, or offerings that they may have shown a level of related interest

in their past user history.

If you would like to know more about cookies and how they are used, please visit

www.allaboutcookies.org.

You can set your browser not to accept cookies, and the above website tells you how to remove cookies

from your browser. However, in a few cases, some of our website features may not function as a result.

ADVERTISEMENTS.

Our website does not show advertisements to users. This includes affiliate ads or any products and

services offered by 3rd parties.

HOW WE USE PERSONAL INFORMATION.

We may use or disclose your Personal Information for the following purpose:

-Offerings. To provide products, services, and offerings that serve the best-matched advertisements.

-Alerts. To provide e-mail alerts arki other communications regarding our products, services, and

offerings that may be of interest or that you registered to receive.

-Obligations. To carry out any obligations for paid products, services, offerings, or any obligations

under our terms and conditions or terms of use.

-Feedback. To get feedback on website improvements and generally provide an overall better

experience.

-Testing. For testing, research, and analysis, of user behavior on the website.

-Law Enforcement. To respond to law enforcement requests as required by applicable law, court order,

or governmental regulations.

-Intended Purpose. As described for the intended purpose when collecting your personal information.

-Assessment. To evaluate or conduct a merger, divestiture, restricting, reorganizing, dissolution, or

outright sale, either wholly or partially, of our assets in which your Personal Information becomes a

part of such sale.

Our usage of your Personal Information may change over time, and when such changes occur, we will

update this Privacy Policy accordingly.

SELLING PERSONAL INFORMATION.

Our policy is that we DO NOT sell your personal information. If this should change, you will be

notified and this Privacy Policy will be updated.

SHARING PERSONAL INFORMATION.

We disclose your Personal Information to 3rd parties for business purposes. The general categories of 3rd

parties that we share with are as follows:

-Our 3rd party service providers that, without their services, our website would not be able to function in

its current manner;

-Affiliated websites and businesses in an effort to bring you and our users improved services, products,

and offerings;

-Other companies, affiliate partners, and 3rd parties that help us advertise products, services, and

offerings to you, other users, and potential new customers;

-Third (3") parties to whom you, or an authorized agent on your behalf, authorized us to disclose your

Personal Information;

-Third (3) parties or affiliates in connection with a corporate transaction, such as a sale, consolidation,

or merger of our financial institution or affiliated business; and

-Other third (3) parties to comply with legal requirements or to disclose Personal Information to

government authorities per the rule of law.

In the last 12 months, it is recognized that we have disclosed the aforementioned categories of Personal

Information for business purposes.

RIGHT AND CHOICES.

This Section describes your rights and choices regarding how we collect, share, use, and protect your

Personal Information, how to exercise those rights, and limits and exceptions to your rights and

choices.

a.) Exceptions. The rights and choices in this Section do not apply to you if the information being

collected is:

-Aggregate consumer information;

-Deidentified Personal Information; and

-Publicly available information.

b.) Access to Information. If the above exceptions do not apply, and you have not made this request

more than twice in a 12-month period, you have the right to request that we disclose certain

information to you about our collection and use of your Personal Information over the past 12 months

from the date we receive your request. Once we receive and confirm your request on your behalf, we

will disclose it to you or your representative:

-The categories of Personal Information we collect;

-The categories of sources for the Personal Information we collect;

-Our business or commercial purpose for collecting or selling such Personal Information;

-The categories of third parties to whom we sold or disclosed the category of Personal Information for

a business or commercial purpose;

-The business or commercial purpose for which we sold or disclosed the category of Personal

Information; and

-The specific pieces of Personal Information we collected about you in a form that you can take with

you (also called a "Data Portability Request").

c.) Deletion (Erasure) Request Rights. You have the right to request that we delete any of your

Personal Information that we collect from you and retain, subject to certain exceptions. Once we

receive and verify your request, we will delete and direct our service providers to delete your Personal

Information from our records unless an exception applies. We may deny your deletion request if

retaining the Personal Information is necessary for us or our service providers to:

-Complete the transaction for which we collected the Personal Information, provide a good or service

that you requested, take actions reasonably anticipated within the context of our ongoing business

relationship with you, or otherwise perform our contract with you;

-Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or

prosecute thos

those for such activity;

uvity,

-Debug to identify and d repair ento

r errors that impair existing intended functionality;

-Exercise free speech, or exercise another right provided by law;

-Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that

adheres to all other applicable ethics and privacy laws when the businesses' deletion of the Personal

Information is likely to render impossible or seriously impair the achievement of such research if you

previously provided informed consent.

-Enable solely internal and lawful uses

such Personal Information that are compatible with the

context in which you provided it.

d.) Exercising Access, Data Portability, and Deletion Rights. To exercise the access, data portability,

deletion rights, or any other rights mentioned herein, a consumer or a consumer's authorized agent may

submit a verifiable request to us by using the contact details mentioned herein.

e.) Requests. You may only make a verifiable consumer request for access or data portability in

relation to this Section. We cannot respond to your request or provide you with Personal Information if

we cannot verify your identity or authority to make the request and confirm the Personal Information is

related to you.

Making a verifiable consumer request does not require you to create an account with us. We will only

use Personal Information provided via a verifiable consumer request to verify the requestor's identity or

authority to make the request.

f.) Authorized Agent. An authorized agent is any person or legal entity registered with the Secretary of

State or similar office that you have authorized to act on your behalf. If a request is made by an

authorized agent acting on your behalf, we may require the following:

-Submission of evidence by you with your permission for the authorized agent to submit a verifiable

request on your behalf;

-For you to directly acknowledge, via electronic communication, that the authorized agent is allowed to

act on your behalf;

-Require the authorized agent to verify their identity; or

-For a power of attorney document to be submitted that is signed in accordance with state law.

We reserve the right to deny a request from an agent that does not submit proof that they have been

authorized by you to act on your behalf and cannot verify their own identity to us.

g.) Response Timing and Format. As required under privacy laws, we agree to respond to any

verifiable consumer request within 45 days of its receipt. If we require more time, with a maximum of

90 days, we will inform you, in writing, of the reason. Such notification will be by e-mail unless there

is another preferred communication method provided.

If applicable, the response we provide will also explain the reasons we cannot comply with a request.

For data portability requests, we will select a format to provide your Personal Information that is

readily useable and should allow you to transmit the Personal Information from one entity to another

entity without hindrance.

No fee will be charged to process or respond to your verifiable consumer request.

h.) Right of Non-Discrimination. We do not discriminate against you for exercising any of your rights

in this Privacy Policy and under applicable laws. Unless permitted by law, we will not:

-Deny you goods or services;

-Charge you different prices or rates for goods, services, and offerings, including through granting

discounts or other benefits, imposing penalties; or

-Provide you with a different level of quality of goods or services.

CHANGES AND AMENDMENTS.

We reserve the right to amend this Privacy Policy at our discretion and at any time. When we make

changes to this Privacy Policy, we agree to notify you by e-mail or other preferred communication

methods.

LINKING TO 3RD PARTIES.

We may provide links to 3rd party sources such as websites, applications, content, or software ("3rd

Parties"). When you use a link online to visit 3rd Parties, you will be subject to their privacy policy and

the jurisdiction of governing law. It is recommended to familiarize yourself with its terms and

disclosures regarding your Personal Information. We are not responsible for the handling of your

Personal Information when using, accessing, or visiting 3rd Parties.

SECURITY & PROTECTION.

We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to

protect and limit access to Personal Information. This includes device safeguards used in accordance

with industry standards.

It is understood by you that the Personal Information you submit to us electronically may not be secure

when it is transmitted to us. Specifically, we recommend that you do not use unsecured or public

channels to communicate sensitive or confidential information.

CONTACT.

If you have any questions or comments about this Privacy Policy, the ways in which we collect and use

your Personal Information, your choices, or your rights regarding such use, or wish to exercise your

rights, please do not hesitate to contact us using the details mentioned in this Privacy Policy.

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