Rev. 5/27/2024 Download Privacy Notice. FACTS WHAT DOES PIBANK DO WITH YOUR PERSONAL INFORMATION? Why? This Privacy Notice applies to Intercredit Bank, N.A. d/b/a Pibank USA and its affiliates. It applies to all the products and services offered by Pibank USA to U.S. consumers. 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 Transaction or loss/default history and credit history 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 Pibank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Pibank 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. Yes Yes For our affiliates to market to you. Yes Yes For non-affiliates to market to you. No We don’t share To limit our sharing Please select your opt-in or opt-out decision during onboarding or provide us an upda