Privacy Notice

WHAT DOES FINBE, INC. d/b/a FINBE USA (“FINBE USA”) 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 income
Account balances and payment history
Credit history and credit scores

How?

All financial companies need to share customers' personal information to run their every- day business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons FinBe USA chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does FinBe USA 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	No	We don’t share
For our affiliates' everyday business purposes — infor- mation about your transactions and experiences	No	No
For our affiliates' everyday business purposes — infor- mation about your creditworthiness	No	We don’t share
For our affiliates to market to you	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

To limit our sharing

• Call (877) 576-2265 - our menu will prompt you through your choice(s)

• Visit us online: finbeusa.com or

• Mail the form below

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. However, you can contact us at any time to limit our sharing.

Questions?

Call (877) 576-2265 or go to finbeusa.com

Who We Are

Who is providing this notice? FINBE USA

What We Do

How does FinBe USA 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 com- puter safeguards and secured files and buildings.

How does FinBe USA collect my personal information? We collect your personal information, for example, when you:

Apply for financing or give us your income information
Pay us by check or give us your contact information
Give us your employment information

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.

What happens when I limit sharing for an account, I hold jointly with someone else? Your choices will apply to everyone on your account — unless you tell us otherwise.

Definitions

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

Bepensa Capital, Inc.

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

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