Privacy Notice

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 and/or Employment Information
• 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 TFS chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does TFS 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

NO

For our affiliates’ everyday business purposes –

information about your transactions and experiences

NO

NO

For our affiliates’ everybody business purposes –

information about your creditworthiness

NO

NO

For nonaffiliates to market to you

NO

NO

Questions?

Call 252-756-0496 or go to www.timefinancing.com

Who we are

Who is providing this notice?

TFS

What we do

How does TFS

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 TFS

collect my personal information?

We collect your personal information, for example, when you

• Open an Account or Pay Your bills

• Apply for a Loan or Provide Your Income Information

• Provide 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.

Definitions

Affiliates

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

• TFS does not have any Affiliates

Nonaffiliates

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

•    TFS discloses information to service providers and companies that perform marketing services on our behalf, as permitted by law.

•      TFS does not share information with non-affiliates so they can market to you.

Joint marketing

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

• TFS does not have any joint marketing partners.

Other important information

If, in addition to Federal Law, you are protected by specific state or local regulations concerning information sharing and marketing, TFS will fully comply with these regulations as well. We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report.