Privacy Card Program

Account Opening Privacy Notice

FACTS
WHAT DOES THIRD NATIONAL ("Issuer") 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 date of birth

• 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 Issuer chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information | Does Issuer 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 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

Questions?
Call +1 (787) 500-0199 or go to bixpay.io

Who we are

Who is providing this notice?
Issuer

What we do

How does Issuer 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 Issuer collect my personal information?
We collect your personal information, for example, when you open an account or perform transactions, pay your bills or reload funds, use your card. We may 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. Issuer does share with our affiliates.

Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. Issuer 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. Issuer may partner with certain non-affiliated financial companies to offer financial products and services to you.

Other important information

California and Vermont: In accordance with state law, we will not share your personal information with nonaffiliates except as permitted by law, including for example, for our own marketing purposes, for everyday business purposes, such as servicing your account, or with your consent.