Card Account Opening Disclosures

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	否
For our marketing purposes - to offer our products and services to you	YES	否
For joint marketing with other financial companies	YES	否
For our affiliates’ everyday business purposes - information about your transactions and experiences	YES	否
For our affiliates’ everyday business purposes - information about your creditworthiness	否	WE DON’T SHARE
For our affiliates to market to you	否	WE DON’T SHARE
For nonaffiliates to market to you	否	WE DON’T SHARE

Questions?

Call +1 (413) 642-2333 or go to https://zypto.com/support.

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 youn  open an account or perform transactionsn  pay your bills or reload fundsn  use your cardWe 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 onlyn  sharing for affiliates’ everyday business purposes - information about your creditworthinessn  affiliates from using your information to market to youn  sharing for nonaffiliates to market to youState 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.n  Issuer does share with our affiliates.
Nonaffiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies.n  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.n  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.
Nevada: You are being provided this notice pursuant to Nevada law. You may be placed on our internal Do Not Call List by following the directions in the To Limit our Sharing section above. Nevada law requires that we provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: agInfo@ag.nv.gov.
North Dakota: In accordance with North Dakota law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent, to service your account. Residents of North Dakota are opted out from nonaffiliate marketing by default. We will limit sharing among our companies to the extent required by North Dakota law.