Common use of Using Your Personal Information Clause in Contracts

Using Your Personal Information. We may use this Personal Information for the purposes communicated to you at the time of collection or in your agreement(s) with us, including to: • verify your identity and to authenticate you when you contact us or we contact you; • evaluate and process your application, account, transaction and reports; • set up your accounts and provide ongoing service; • provide you with products and services you have requested; • communicate with you, including to respond to your inquiries; • understand your product and service requirements; • market a product or service, either directly or through a service provider, partner or third party; • determine your eligibility for some of our products and services and offer them to you; • help manage and assess our risks, operations and relationship with you; • prevent, detect or investigate fraud or criminal activity; • comply with legal, regulatory, governmental and contractual requirements. We may also use your Personal Information for other purposes with your consent or as permitted or required by law. If for any reason your information is required to fulfill a different purpose then that of your original intent, we will ask for your consent before we proceed. We may share your Personal Information: • with Maple Finance partnering companies • with our employees, agents, service providers and any other entities that perform services on our behalf (collectively, 'service providers'). You acknowledge that some of our service providers may be located outside of Canada and as such your Personal Information may be accessible to governmental, national security and regulatory authorities in accordance with the laws of these jurisdictions; • with other organizations or agents with whom you have arrangements and to whom you have provided consent directly; • with other financial institutions to process payments or to verify information such as your identity and income; • with payment card networks in order to operate or administer the payment card system that supports the products, services or accounts you may have with us; • to meet requests for information from regulators; • to satisfy legal, audit, insurance, self-regulatory and regulatory requirements applicable to us; • in any negotiations for the sale or assignment or proposed sale or assignment of all or part of our business or assets (including the sale of mortgages) and to our successors and assigns who may use the information for similar purposes as those described in this Agreement; • to other parties connected with your account, as applicable (e.g. guarantors, powers of attorney and other people named on the application); • to a joint account holder, including limited information about the account prior to it becoming a joint account; • where permitted or required by law. We do not sell the names or other Personal Information of our customers. We do not disclose the names or other Personal Information of our customers to other companies outside of Maple Finance without consent, unless required or permitted by law. We may use affiliates or other companies to provide services on our behalf such as data processing, account administration, analytics and marketing. Such companies will be given only the Personal Information needed to perform those services and we do not authorize them to use or disclose Personal Information for their own marketing or other purposes. We have or will have contracts in place holding these companies to the same standards of confidentiality by which we are governed.

Using Your Personal Information. We may use this Personal Information from time to time for the purposes communicated following purposes:  to you at the time of collection or in verify your agreement(s) with usidentity, including to: • verify checking your identity name against Canadian and foreign watch lists;  to authenticate you when you contact us or we contact youevaluate your current and ongoing creditworthiness, including by obtaining credit reports; •  to evaluate and process your application, account, transaction and reports; • set up your accounts and provide ongoing service; •  to provide you with products and services you have requested; •  to communicate with you, including to respond to your inquiries; •  to understand your product and service requirements; •  to market a product or service, either directly or through a service provider, partner or third partyan affiliate; •  to determine your eligibility for some of our products and services and offer them to you; •  to help manage and assess our risks, operations and relationship with you; • prevent, detect or investigate  to protect you and us against fraud or criminal activityand error; •  to collect amounts owing to us;  to maintain the accuracy and integrity of information held by a credit reporting agency; and  to comply with legal, regulatory, governmental and contractual requirements. We may also use your Personal Information for other purposes with your consent or as permitted or required by law. If for any reason your information is required to fulfill a different purpose then that of your original intent, we will ask for your consent before we proceed. We may share your Personal Information: • with Maple Finance partnering companies •  with our employees, agents, service providers and any other entities that perform services on our behalf (collectively, 'service providers'). You acknowledge that some of our service providers may be located outside of Canada and as such your Personal Information may be accessible to governmental, national security and regulatory authorities in accordance with the laws of these jurisdictions; • with other organizations or agents with whom you have arrangements and to whom you have provided consent directly; •  with other financial institutions to process payments or to verify information such as your identity and incomeidentity; •  with payment card networks in order to operate or administer the payment card system that supports the products, services or accounts you may have with us; •  in response to a court order, search warrant or other demand or request we believe to be valid;  to meet requests for information from regulators; •  to satisfy legal, audit, insurance, self-regulatory and regulatory requirements applicable to us; •  in any negotiations for the sale or assignment or proposed sale or assignment of all or part of our business or assets (including the sale of mortgages) and to our successors and assigns who may use the information for similar purposes as those described in this Agreement; •  to other parties connected help us collect a debt or enforce an obligation owed to us by you;  with any person or organization, including an investigative body, in order to prevent, detect or suppress financial abuse, fraud, criminal activity, protect our assets and interests, assist us with any internal or external investigation into potentially illegal or suspicious activity or manage, defend or settle any actual or potential loss;  with your accountconsent (e.g., as applicable (e.g. guarantors, powers of attorney and other people named with another individual on the application); • to a joint account holder, including limited information about the account prior to it becoming a joint account); • and  where permitted or required by law. We do not sell the names or other Personal Information of our customers. We do not disclose the names or other Personal Information of our customers to other companies outside of Maple Finance without consent, unless required or permitted by law. We may use affiliates or other companies to provide services on our behalf such as data processing, account administration, analytics and marketing. Such companies will be given only the Personal Information needed to perform those services and we do not authorize them to use or disclose Personal Information for their own marketing or other purposes. We have or will have contracts in place holding these companies to the same standards of confidentiality by which we are governed.