Common use of Reference to Employee Clause in Contracts

Reference to Employee. Following the death of the Employee, the rights and responsibilities of the Employee under this Agreement will be carried out by the Beneficiary (or if none, or no Beneficiary survives the Employee, the Employee’s estate), and any reference herein to the Employee will be deemed to be a reference to the Beneficiary (or the executor or the administrator of the Employee’s estate). FACTS WHAT DOES UMB BANK, N.A. (“UMB”) DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. 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 ▪ Account balances and account transactions ▪ Payment history and transaction history ▪ Retirement assets 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 UMB 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 No We don’t share For joint marketing with other financial companies No We don’t share 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 our affiliates to market to you No We don’t share For nonaffiliates to market to you No We don’t share Questions? Call toll-free ▇▇▇.▇▇▇.▇▇▇▇ (or if in Kansas City, call ▇▇▇.▇▇▇.▇▇▇▇). a. What we do

Reference to Employee. Following the death of the Employee, the rights and responsibilities of the Employee under this Agreement will be carried out by the Beneficiary (or if none, or no Beneficiary survives the Employee, the Employee’s surviving spouse, or, if none, the executor or administrator of the Employee’s estate), and any reference herein to the Employee will be deemed to be a reference to the Beneficiary (or the Employee’s surviving spouse, or, if none, the executor or the administrator of the Employee’s estate). FACTS WHAT DOES UMB BANK, N.A. (“UMB”) DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. 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 ▪  Account balances and account transactions ▪  Payment history and transaction history ▪  Retirement assets 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 UMB chooses to share and whether you can limit this sharing. Reasons we can share your personal information Does UMB 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 No We don’t share For joint marketing with other financial companies No We don’t share 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 our affiliates to market to you No We don’t share For nonaffiliates to market to you No We don’t share QuestionsQuestion? Call toll-free ▇▇▇.-▇▇▇.-▇▇▇▇ (or if in Kansas City, call ▇▇▇.-▇▇▇.-▇▇▇▇). a. What we dodo How does UMB 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 UMB collect my personal information? We collect your personal information, for example, when you:  Open an account or provide account information  Make deposits or take withdrawals from your account  Tell us about your investment or retirement portfolio 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. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.  UMB does not share with affiliates. Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.  UMB does not share with nonaffiliates so they can market to you. Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.  UMB doesn’t jointly market. You may have other privacy protections under applicable state laws. To the extent these state laws apply, we will comply with them when we share information about you. For California residents: We will not share information we collect about you with nonaffiliates, except as permitted by California law, including, for example to process your transactions or to maintain your account. For Vermont residents: We will not share information we collect about you with nonaffiliates, except as permitted by Vermont law, including, for example to process your transactions or to maintain your account. We value your trust. We are committed to the responsible: a) management; b) use; and