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

1. verify my identity and maintain records of my personal information, in accordance with the Financial Institution’s requirements to manage its risk arising from its operations or as otherwise required by law, including money laundering laws and regulations, which may include checking my identity against watch lists;
2. facilitate the collection of debts owing by me, or for which I am financially responsible, to the Financial Institution;
3. protect me, the third party for whom I am acting, or the Financial Institution from error and fraud, such as identity theft;
4. process this Personal Contract and set up, manage, administer, and maintain, as applicable, my membership and Account; and
5. keep my records separate from others with the same name.

I consent to the Financial Institution communicating with me, or the third party for whom I am acting, by any means, including mail, in person, email, or otherwise for administrative purposes related to products and services which I currently have or may request in the future.

I understand that my social insurance number (SIN) will be collected, used, and disclosed as required by law for income tax reporting purposes.

Providing my SIN for purposes not required by law is optional. The Financial Institution and its agents and representatives may use my SIN to keep my records separate from other individuals with the same name and to identify me (including for credit reporting purposes, as applicable). I understand that my consent to these additional uses is optional and may be withdrawn at any time by contacting the Financial Institution.

I understand that my personal information may be transferred to service providers located in other countries, and that in such case my personal information may be accessible by law enforcement and national security agents in those countries.