Protecting Customer Information

Keeping your personal information secure is important to us at The Reserve. This Privacy Policy explains how we protect your privacy, when we collect and use information about you in order to administer your account, and the measures we take to safeguard that information.
ALL PERSONAL INFORMATION PROVIDED BY OUR CUSTOMERS IS USED EXCLUSIVELY TO ADMINISTER OUR BUSINESS AND RELATED SERVICES IN A MANNER CONSISTENT WITH ALL APPLICABLE LAWS AND REGULATIONS. IT IS KEPT CONFIDENTIAL AND NOT SOLD TO THIRD PARTIES FOR USE IN MARKETING OR SOLICITATION. WE MAINTAIN YOUR PERSONAL INFORMATION ACCORDING TO STRICT STANDARDS OF SECURITY AND CONFIDENTIALITY.

The Reserve requires that employees with access to confidential information not use or disclose the information except for our internal business use. Only employees who need this information to service your accounts have access to this information. Such employees are trained to safeguard your personal information.

Who Is Covered By Our Privacy Policy

This Privacy Policy applies to all current and former customers of The Reserve. Customers who receive information from The Reserve through the Internet are covered by The Reserve's Internet Security Statement. The site also contains links to unaffiliated Web sites. The Reserve is not responsible for the privacy practices or the content of such other Web sites. Customers receive this Privacy Policy when they open a new account and annually thereafter. You will be notified of any major change to the Privacy Policy.

Types of Information We Collect From Our Customers

• Information from applications, incoming phone calls, online registrations or other forms (such as your name, address, e-mail address, social security number and income).
• Information about your Reserve account, account transactions (e.g. account number, spending and payment history, use of online products and services) and other transactions with The Reserve and others.
• Information about your creditworthiness, credit history, and information about you obtained from consumer reporting agencies or other companies we work with, and information obtained in connection with our efforts to protect against fraudulent or unauthorized use of your account(s).
• If you visit our Web site, we use software to collect anonymous data including browser types, pages visited, date of visit and time spent on our site. With or without cookies, our Web site keeps track of usage data, such as the source address of a page request, your IP address or domain name, the date and time of the page request, the referring Web site (if any) and other parameters in the URL. We use this data to better understand web site usage and to improve our Web site. The information is stored in log files and is used for aggregated and statistical reporting. This log information is not linked to personally identifiable information gathered elsewhere on the site. Please refer to our Internet Security Statement for more information.
• If you utilize The Reserve's online services, we retain your user ID and password and information about your use of our web site so that we can recognize you as a registered user of a Reserve online service and personalize your online session.

Use of Information

When we collect personal information from you, we will reference this policy or otherwise explain to you how we intend to use the information. We use personal information in ways compatible with the purposes for which we originally requested it. We limit the collection and use of personal information to what is necessary to administer our business. The Reserve shares personal information about you to give you superior customer service, provide convenient access to our services and make a wider range of products available to you. We share this information in the following ways:

• Legal and Routine Business Reasons
  The Reserve may disclose personal information as required by law. We do reserve the right to disclose personal information in limited circumstances where we believe in good faith that disclosure is required under law, to cooperate with regulators or law enforcement authorities, to process and service your account(s), to protect against fraud, to protect the security of our records, to protect our rights or property, or upon your written request. Personal information may be shared with third-party service providers for the sole purpose of performing services for The Reserve. Companies we hire to provide support services must conform to our privacy standards. They are required to keep this information confidential and not use it for any other purpose than to carry out the services they are performing for The Reserve, such as printing statements, checks, etc.



• Marketing Purposes
  We may also share information we have about you, as described above, with third parties hired by Reserve to market The Reserve products and services exclusively, except for information about customers in our Cash Sweep program.


• Sharing Information within Reserve The Reserve and its affiliated companies offer a selection of financial products and services. We may share information we have about you, as described above, among these entities. Some of the benefits to you include improved customer service and responsiveness and detection of unusual behavior to help prevent unauthorized transactions or fraud.

Questions

If you have any questions, please call Customer Service Monday through Friday, 9:00am to 5:00pm, or write to The Reserve, Attn: Administrative Department, 1250 Broadway, New York, NY, 10001-3701.

We constantly evaluate our procedures to protect personal information and make every effort to keep your personal information accurate and current. If you identify any error in your personal information or need to change that information, please contact us and we will update our records. If you have any questions, please contact us by e-mail at customerservice@TheR.com or call us at 1-800-637-1700 and press zero.

Options Relating To Disclosure of Personal Information

We will not contact you regarding additional Reserve products or services, and we will not provide personal information to any third parties for this purpose, if you instruct us not to do so. To give us such instructions, please e-mail us at customerservice@TheR.com or call us at 1-800-637-1700 and press zero. If you choose this option, we will continue to contact you from time to time to notify you of changes or updates to your account, to our services or to our Web site.

Ways You Can Protect Your Privacy

Here are some measures to take to help prevent theft of your identity:

• Do not share your account information, including personal or secret codes or passwords, with others.
• Never provide confidential information to unknown callers.
• Protect your account records including all statements and receipts.
• Use a secure browser when doing business on the Internet, and exit online applications when finished.

If You Believe You May Be A Victim of Identity Theft, You Should:

• Contact The Reserve's customer service immediately.
• Report the theft to each of these credit reporting agencies:
  Experian 888-397-3742
  Equifax 800-525-6285
  TransUnion 800-680-7289
• File a police report in your local jurisdiction; retain the report number and name of the officer with whom you filed the report.
• Contact the Federal Trade Commission's Identity Theft Hotline at 877-IDTHEFT to file a complaint or go to www.consumer.gov/idtheft.