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 and income
• Credit history and credit scores
• Account balances and transaction history

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 Merrick Bank 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

For our marketing purposes—

to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes—

information about your transactions and experiences

For our affiliates’ everyday business purposes—

information about your creditworthiness

For nonaffiliates to market to you

Questions?

Call 1-800-204-5936 or go to www.merrickbank.com/privacyquestions

How does Merrick 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.

How does Merrick Bank collect my personal information?

We collect your personal information, for example, when you

• Apply for a loan or use your credit card
• Give us your income or give us your contact information
• Pay us by check

We also collect 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.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Merrick Bank does not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Merrick Bank 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.

• Merrick Bank doesn’t jointly market.

Special Notice for Vermont Residents: The information sharing practices described above are in accordance with federal law. Vermont law places additional limits on sharing information about Vermont residents so long as they remain residents of Vermont. In accordance with Vermont law, Merrick Bank will not share information we collect about Vermont residents to companies outside of Merrick Bank except: (1) As permitted by law; (2) To companies that perform marketing or other services on our behalf; (3) Name, contact and transaction and experience information (such as your account balance and payment history) to other financial institutions with which we have joint marketing agreements; or (4) With the authorization or consent of the Vermont resident. Merrick Bank also will not share non-transactional information about Vermont residents received from others within the Merrick Bank family of companies except with the authorization or consent of the Vermont resident.