Privacy Notice

• Social Security Number and income
• Account balances and payment history
• Transaction or loss/default history and credit history

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.

For our marketing purposes –
to offer our products and services to you.

For joint marketing with other financial companies.

For our affiliates’ everyday business purposes –
information about your transactions and experiences.

For our affiliates’ everyday business purposes –
information about your creditworthiness.

For our affiliates to market to you.

For non-affiliates to market to you.

Please select your opt-in or opt-out decision during onboarding or provide us an update via your Pibank App.

If you are a new customer, we can begin sharing your information thirty (30) days from the date we issue 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.

Call (954) 636-7777 or Toll Free 1(877) 678-0888 or visit www.pibank.com

This notice is provided by Pibank USA & Intercredit Bank, N.A

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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

We collect your personal information, for example, when you

• open an account or make a deposit or a withdrawal from your account;
• pay your bills or apply for a loan;
• use your credit or debit card.

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

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 non-affiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

Your choices will apply to everyone on your account — unless you tell us otherwise

Companies related by common ownership or control. They can be financial and nonfinancial companies. These include Intercredit Bank, N.A., Banco Pichincha Holding Group, Banco Pichincha Ecuador, Banco Pichincha Panama, Diners Club Ecuador, Banco Pichincha Spain, Banco Pichincha Colombia, Banco Pichincha Peru, Banco de Loja, Diners Club Peru, BP Miami Agency and Banco General Ruminahui

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

• Pibank and Intercredit Bank, N.A. does not share with non-affiliates so they can market to you.

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

• Joint marketing partners include financial services companies.

This Privacy Notice applies only to financial products or services that you may obtain with the Pibank or Pibank USA brand. Any consumer personal information collected, processed, or disclosed is pursuant to the federal Gramm- Leach-Bliley Act (Public Law 106-102), and implementing regulations. You may have privacy protections under applicable law and to the extent applicable; we will comply with those provisions.

For Vermont Customers: Accounts with a Vermont mailing address are automatically treated as if they have limited the sharing as described on page 1. For joint marketing, we will only disclose your name, contact information and information about your transactions.

For Nevada Customers: We are providing you this notice pursuant to state law. We will automatically place you on our internal Do Not Call List and you will not receive any marketing calls from us. You may also contact the Nevada Attorney General’s office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1-702-486- 3132; email BCPINFO@ag.state.nv.us.

For California Customers: In accordance with California law, we will not share information we collect about California residents with nonaffiliates, unless the law allows. For example, we may share information with your consent or to service your accounts. We will limit sharing among our companies to the extent required by California law.