MRV Banks Privacy Policy

Customer Access Portal

Facts

What does MRV Banks 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:

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 MRV Banks chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information:	Does MRV Banks 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.	Yes	No
For joint marketing with other financial companies.	No	We don't share
For our affiliates’ everyday business purposes— information about your transactions and experiences.	Yes	No
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 non-affiliates to market to you.	No	We don't share.
Have any Questions? Call us at 855-444-2679 or go to www.skybridgefinancial.com

Please Note: If you are a new customer, we can begin sharing your information 30 days from the date we provided this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Who We Are

Who is providing this notice?
- This notice is provided by MRV Banks (Issuer) and other affiliated companies*.

What we do

How does MRV Banks 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 MRV Banks collect my personal information?
- We collect your personal information, for example, when you:
  1) Open an account or deposit money
  2) Pay your bills or apply for a loan
  3) Make a wire transfer
  We also collect your 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.

What happens when I limit sharing for an account I hold jointly with someone else?
- Your choices will apply to everyone on your account.

Definitions

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

•MRV Banks does not share with its affiliates.

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

•Non-affiliates we share with can include other financial companies and non-financialcompanies such as marketing companies and service providers.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

•Our joint marketing partners include companies such as other financial companies andfinancial service providers.

Other Important Information

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.

Nevada Residents
Nevada law requires that we tell you about the option to be placed on our do-not-call list. At any time, you may request to be placed on our internal “Do Not Call” list by calling MRV Banks at 1-866-855-2594. For more information about the Nevada “Do Not Call” notice requirement, you may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; phone: 1-702-486-3132 or email BCPINFO@ag.state.nv.us.

Vermont Residents
In accordance with Vermont law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example with your consent or to service your account. We will not share information about your creditworthiness within our corporate family except with your authorization or consent.

California Residents
In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our corporate family to the extent required by California law.