USA PATRIOT Act — Customer Identification Program Notice

Important information about procedures for opening a new account.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

This requirement comes from the USA PATRIOT Act and applies to RMO and its financial subsidiaries when you open an account or establish certain financial products or services.

What this means for you

When you open an account, RMO will ask for information that allows us to identify you. For an individual, this typically includes:

• Your full legal name;
• Your residential or physical street address;
• Your date of birth; and
• Your Social Security number or other government-issued identification number.

We may also ask to see your driver’s license, passport, or other identifying documents, and we may verify the information you provide through consumer reporting agencies, public databases, or other sources.

For businesses and other entities

When an account is opened for a business, trust, or other entity, we will ask for documents and information that identify the entity — which may include formation documents, an employer identification number, and identifying information for the individuals who own or control the entity.

If we cannot verify your identity

If you do not provide the requested information, or if we are unable to verify your identity, RMO may not be able to open your account or may need to close an account that has already been opened.