Stride Bank, N.A. Consumer Privacy Notice

FACTS:

Why?

What Does Stride Bank, N.A. (“Stride”) Do With Your Personal Information?

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.

FACTS:

What?

What Does Stride Bank, N.A. (“Stride”) Do With Your Personal Information?

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

Account balances and transaction history

Credit history and credit scores

When you are no longer our customer, we continue to share your information, as described in this notice.

FACTS:

How?

What Does Stride Bank, N.A. (“Stride”) Do With Your Personal Information?

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

Reasons We Can Share Your Personal Information

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

Does Stride share?

Yes

Can you limit this sharing?

No

Reasons We Can Share Your Personal Information

For our marketing purposes — To offer our products and services to you

Does Stride share?

Yes

Can you limit this sharing?

No

Reasons We Can Share Your Personal Information

For joint marketing with other financial companies

Does Stride share?

Yes

Can you limit this sharing?

No

Reasons We Can Share Your Personal Information

For our affiliates' everyday business purposes — Information about your transactions and experiences

Does Stride share?

No

Can you limit this sharing?

We don't share

Reasons We Can Share Your Personal Information

For our affiliates' everyday business purposes — Information about your creditworthiness

Does Stride share?

No

Can you limit this sharing?

We don't share

Reasons We Can Share Your Personal Information

For nonaffiliates to market to you

Does Stride share?

Yes

Can you limit this sharing?

Yes

To Limit Our Sharing:

Submit an Opt-Out through the Chime Privacy Hub.

Please Note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

Questions?

Email us at [email protected].

Who we are

Who is providing this notice?

This notice is provided by Stride Bank, N.A.

What we do

How does Stride 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.

We also limit access to information to those employees for whom access is necessary.

How does Stride collect my personal information?

We collect your personal information when, for example, you:

Open an account or deposit money

Pay your bills

Use your Chime card

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. See below for more on your rights under state law.

Definitions

Affiliates

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

Stride has no affiliates with which it shares your personal information.

Nonaffiliates

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

Nonaffiliates we share with may include companies such as Chime, when the sharing of data is not for our everyday business purposes.

Joint marketing

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

Stride may conduct joint marketing with other financial institutions, such as other bank partners that Chime works with.

Other important information

Vermont Residents:

We will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

We may disclose the following information to other financial institutions with which we have joint marketing agreements:

The following information we receive from you: your name and contact information

Information about your transactions with us or our affiliates, such as your account balance, payment history, parties to transactions, and credit card usage

Nevada Residents:

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the To Limit our Sharing section above. Nevada law requires that we provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: [email protected]

North Dakota Residents:

In accordance with North Dakota 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, to service your account (through Chime or its banking partners). We have opted out residents of North Dakota from nonaffiliate marketing by default. We will limit sharing among our companies to the extent required by North Dakota law.

California Residents:

California residents can opt-out of joint marketing through the Chime Privacy Hub or through our California Financial Information Privacy Act Opt-out Form.