Rev. 5/2017

FACTS WHAT DOES PERSONIFY FINANCIAL 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:

  • social Security number and transaction history
  • account balances and income
  • checking account information and credit history

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

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 Personify Financial chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Personify Financial 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 Yes No
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 do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share
Questions? Call 1 (888) 578-9546
Who we are
Who is providing this notice? Applied Data Finance, LLC ("ADF") and all ADF consumer loan companies doing business as Personify Financial.
What we do
How does Personify Financial 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 Personify Financial collect my personal information?

We collect your personal information, for example, when you

  • apply for a loan or give us your income information
  • provide account information or give us your contact information
  • pay your bills

We also collect your personal information from others, such as credit bureaus, affiliates and 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.

  • Applied Data Finance, LLC and all ADF consumer loan companies doing business as Personify Financial are affiliates. Other affiliates include financial and nonfinancial companies with the Applied Data Finance and ADF names, such as ADF Data Science Private Limited and ADF Services, LLC.
Nonaffiliates

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

  • Personify Financial does not share with nonaffiliates so they can market to you.
Joint Marketing

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

  • Our joint marketing partners may include insurance companies, banks, non-bank lenders, auto, mortgage, and credit card finance companies and other consumer loan companies.
Other important information
California residents: We will not share your personal information with nonaffiliates for their marketing purposes without your consent. We will not share your personal information with affiliates or outside companies we contract with to provide financial products and services, except as permitted by law. Vermont residents: We will not share your personal information with nonaffiliates for their marketing purposes without your consent. We will not share consumer report information about you with our affiliates or with joint marketing partners, except with your consent or as otherwise permitted by law.

Rev. 3/2016

FACTS WHAT DOES FIRST ELECTRONIC BANK 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. The information can include:

  • social Security number and income
  • account balances and payment history
  • credit history and credit scores

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

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 First Electronic Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does First Electronic Bank share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to 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 do not share
For our affiliates' everyday business purposes – information about your transactions and experiences No We do not share
For our affiliates' everyday business purposes – information about your creditworthiness No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share
Questions? Call 1 (888) 578-9546
Who we are
Who is providing this notice? First Electronic Bank
What we do
How does First Electronic Bank 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 First Electronic Bank collect my personal information?

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

  • apply for a loan or open an account
  • give us your contact information or pay your bills
  • use your credit 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.

Definitions
Affiliates

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

  • First Electronic Bank does not share with our affiliates.
Nonaffiliates

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

  • First Electronic Bank does not share with nonaffiliates so they can market to you.
Joint Marketing

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

  • First Electronic Bank does not jointly market.
Other important information
For California Customers: We will limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.