Common use of Protecting Personal Information Clause in Contracts

Protecting Personal Information. We maintain physical, electronic and procedural security measures to help safeguard the Personal Information we collect. We have internal policies governing the proper handling of Personal Information. We require third parties that provide support or marketing services on our behalf to adhere to confidentiality standards with respect to such information. Important information for Vermont residents. If you are a resident of Vermont, and for as long as you remain a resident of Vermont, the information we may share about you with other financial institutions with which we have a joint marketing agreement is limited to your name, contact information, and information about our transactions and experiences with you. Additionally, within the ▇▇▇▇▇▇ family we will not share certain information (other than information about our transactions and experiences with you) from account applications or information we receive from third parties without your authorization. To authorize the sharing of this information within the ▇▇▇▇▇▇ family, please contact us directly. If you have any questions or complaints about HFS’ use of Personal Information or about this ▇▇▇▇▇▇ Financial Services Privacy Statement, please send an email to: ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇.▇▇▇. HFS reserves the right to amend this ▇▇▇▇▇▇ Financial Services Privacy Statement at any time. We will inform you of any changes to this Privacy Statement as required by law. Responsibilities of the Clearing Agent. In general, the Clearing Agent is only responsible for those services provided at the request or direction of HFS as contemplated by the agreement between HFS and Clearing Agent (“Clearing Agreement”). The Clearing Agent will create computer-based account records on you in such name(s) and with such address(es) as HFS directs. The Clearing Agent will process orders for the purchase, sale, or transfer of securities for the account as HFS directs. The Clearing Agent is not obligated to accept orders for securities transactions for the account directly from you and will do so only in exceptional circumstances. The Clearing Agent will receive and deliver cash and securities for the account and will record such receipts and deliveries according to information provided either by HFS or as directly authorized, in writing, by you. The Clearing Agent will hold in custody securities and cash received for the account, and will collect and disburse dividends and interest and process reorganization and voting instructions with respect to securities held in custody. The Clearing Agent is responsible for the custody of cash and securities only after coming into the Clearing Agent’s physical possession or control. In connection with all of the functions that the Clearing Agent performs, the Clearing Agent maintains the books and records required by law and by business practice. The Clearing Agent will provide HFS with written reports of all transactions processed for the account to enable HFS to carry out its responsibilities under the Clearing Agreement. The Clearing Agent will assist you and HFS with any discrepancies or errors that may occur in the processing of transactions for the account. THE CLEARING AGENT DOES NOT CONTROL, AUDIT, OR OTHER­WISE SUPERVISE THE ACTIVITIES OF HFS OR HFS EMPLOYEES OR AFFILIATES. THE CLEARING AGENT DOES NOT VERIFY INFORMATION PROVIDED BY HFS REGARDING THE ACCOUNT OR TRANSACTIONS PROCESSED FOR THE ACCOUNT NOR UNDERTAKE RESPONSIBILITY FOR REVIEWING THE APPROPRIATENESS OF TRANSACTIONS ENTERED BY HFS ON YOUR BEHALF. THE CLEARING AGENT IS NOT RESPONSIBLE FOR ANY INVESTMENT ADVICE, INVESTMENT RECOMMENDATIONS, OR INVESTMENTS MANAGEMENT SERVICES THAT MAY BE PROVIDED TO YOU. The Clearing Agreement does not encompass transactions in commodity futures contracts or investments other than marketable securities that the Clearing Agent normally processes on recognized exchanges and over-the-counter markets. In furnishing its services under the Clearing Agreement, the Clearing Agent may use and rely upon the services of other clearing agencies, automatic data processing vendors, proxy processing, transfer agents, securities pricing services, and other similar organizations. This discussion addresses the basic allocation of functions regarding the handling of the account. It is not meant as a definite enumeration of every possible circumstance, but only as a general disclosure. Working on behalf of HFS, Clearing Agent recognizes the importance of protecting the confidentiality of nonpublic personal information (NPPI) that it collects about its customers. The information is used to ensure accuracy in reporting and record keeping, maintaining customer accounts, and effect requested transactions. A top priority for the Clearing Agent is to keep this information secure.

Protecting Personal Information. We maintain physical, electronic and procedural security measures to help safeguard the Personal Information we collect. We have internal policies governing the proper handling of Personal Information. We require third parties that provide support or marketing services on our behalf to adhere to confidentiality standards with respect to such information. Important information for Vermont residents. If you are a resident of Vermont, and for as long as you remain a resident of Vermont, the information we may share about you with other financial institutions with which we have a joint marketing agreement is limited to your name, contact information, and information about our transactions and experiences with you. Additionally, within the ▇▇▇▇▇▇ Alight Solutions family we will not share certain information (other than information about our transactions and experiences with you) from account applications or information we receive from third parties without your authorization. To authorize the sharing of this information within the ▇▇▇▇▇▇ Alight Solutions family, please contact us directly. If you have any questions or complaints about HFSAFS’ use of Personal Information or about this ▇▇▇▇▇▇ Alight Financial Services Solutions Privacy Statement, please send an email to: ▇▇▇▇▇▇▇.▇▇▇▇@▇▇▇▇▇▇.▇▇▇. HFS AFS reserves the right to amend this ▇▇▇▇▇▇ Alight Financial Services Solutions Privacy Statement at any time. We will inform you of any changes to this Privacy Statement as required by law. Responsibilities of the Clearing Agent. In general, the Clearing Agent is only responsible for those services provided at the request or direction of HFS as contemplated by the agreement between HFS and Clearing Agent (“Clearing Agreement”). The Clearing Agent will create computer-based account records on you in such name(s) and with such address(es) as HFS AFS directs. The Clearing Agent will process orders for the purchase, sale, or transfer of securities for the account as HFS AFS directs. The Clearing Agent is not obligated to accept orders for securities transactions for the account directly from you and will do so only in exceptional circumstances. The Clearing Agent will receive and deliver cash and securities for the account and will record such receipts and deliveries according to information provided either by HFS AFS or as directly authorized, in writing, by you. The Clearing Agent will hold in custody securities and cash received for the account, and will collect and disburse dividends and interest and process reorganization and voting instructions with respect to securities held in custody. The Clearing Agent is responsible for the custody of cash and securities only after coming into the Clearing Agent’s physical possession or control. In connection with all of the functions that the Clearing Agent performs, the Clearing Agent maintains the books and records required by law and by business practice. The Clearing Agent will provide HFS AFS with written reports of all transactions processed for the account to enable HFS AFS to carry out its responsibilities under the Clearing Agreement. The Clearing Agent will assist you and HFS AFS with any discrepancies or errors that may occur in the processing of transactions for the account. THE CLEARING AGENT DOES NOT CONTROL, AUDIT, OR OTHER­WISE OTHERWISE SUPERVISE THE ACTIVITIES OF HFS AFS OR HFS AFS EMPLOYEES OR AFFILIATES. THE CLEARING AGENT DOES NOT VERIFY INFORMATION PROVIDED BY HFS AFS REGARDING THE ACCOUNT OR TRANSACTIONS PROCESSED FOR THE ACCOUNT NOR UNDERTAKE RESPONSIBILITY FOR REVIEWING THE APPROPRIATENESS OF TRANSACTIONS ENTERED BY HFS AFS ON YOUR BEHALF. THE CLEARING AGENT IS NOT RESPONSIBLE FOR ANY INVESTMENT ADVICE, INVESTMENT RECOMMENDATIONS, OR INVESTMENTS MANAGEMENT SERVICES THAT MAY BE PROVIDED TO YOU. The Clearing Agreement does not encompass transactions in commodity futures contracts or investments other than marketable securities that the Clearing Agent normally processes on recognized exchanges and over-the-counter markets. In furnishing its services under the Clearing Agreement, the Clearing Agent may use and rely upon the services of other clearing agencies, automatic data processing vendors, proxy processing, transfer agents, securities pricing services, and other similar organizations. This discussion addresses the basic allocation of functions regarding the handling of the account. It is not meant as a definite enumeration of every possible circumstance, but only as a general disclosure. Working on behalf of HFSAFS, Clearing Agent recognizes the importance of protecting the confidentiality of nonpublic personal information (NPPI) that it collects about its customers. The information is used to ensure accuracy in reporting and record keeping, maintaining customer accounts, and effect requested transactions. A top priority for the Clearing Agent is to keep this information secure.