I consent to the Financial Institution, and its agents and representatives, collecting, using, and disclosing my personal information provided in connection with this Application, and any changes or additions to this information provided in the future, for the purposes of:

1. providing me, or a third party for whom I am acting, with Financial Institution products and services that I have applied for or may apply for in the future and providing information to suppliers of products and services to me or the Financial Institution in connection with providing these Financial Institution products and services;
2. understanding my needs and determining the suitability of products and services for me; determining my eligibility for these products and services;
3. establishing my identity; verifying information provided by me with third parties including my employer and other financial institutions, verifying information provided by third parties; administering the Account; and making sure my records are kept separate from others with the same name;
4. protecting me, a third party for whom I am acting, or the Financial Institution from error and fraud such as identity theft;
5. collecting a debt owed to the Financial Institution;
6. transferring or selling Financial Institution assets, such as in an acquisition, merger, loan syndication, securitization of loans, or sale of loans;
7. complying with legal requirements, including money laundering laws and regulations.

I consent to the Financial Institution, and its agents and representatives, disclosing my personal information to:

1. suppliers of products and services to me or the Financial Institution, including data service providers, cheque printers, card manufacturers, affiliates of the Financial Institution, provincial or national central Financial Institutions or trade associations, in connection with providing and administering my Account and other products and services provided to me, or a third party for whom I am acting;
2. participants in the payment and clearing systems in connection with providing or administering my Account and other products and services provided to me or a third party for whom I am acting, and to other financial institutions that I request pay cheques drawn on the Financial Institution;

If there is more than 1 Applicant, I consent to the Financial Institution disclosing information about the Account as instructed by either/any 1 of the Applicants.

If you have questions about the collection, use and disclosure of your personal information by the Financial Institution, please contact us.

I consent to the Financial Institution, its agents and representatives, disclosing my personal information to:

1. provide information to me about other products and services and special promotions; analyze my information for marketing purposes, including conducting surveys, developing and enhancing products and services, and ensuring high service standards;
2. market research firms for the purposes of analysis and/or conducting surveys; and
3. Institution affiliates and other carefully selected organizations for marketing purposes, such as providing me with information about products and services that may be of interest to me;
4. provide authorization to FirstOntario to use my email address and have consented to FirstOntario that I would like to receive electronic communications using that address. I understand that I can contact the credit union at any time and request that my email address be removed from its database. I agree to provide written communication of any such request by mailing a letter to "FirstOntario Credit Union, 970 South Service, Stoney Creek, ON L8E 6A2, Attention: Marketing" or by sending an email message to marketinghelp@FirstOntarioCU.com. I understand that it can take up to 4 weeks for my email address to be removed and that I may continue to receive email communications from the credit union until such time as the request for removal of my email address has been completely processed.