AFCO Direct Privacy Notice (Rev. 1/25)

Facts: WHAT DOES AFCO DIRECT PREMIUM FINANCE 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: Relationship experience Account balances and transaction history Payment history and credit history 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 AFCO Direct Premium Finance chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does AFCO Direct Premium Finance 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; or as permitted by law	Yes	No
For our marketing purposes— to offer our products and services to you	No	We don't share.
For joint marketing with other financial companies	No	We don't share.
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 AFCO Direct at 877-701-1212 or email AFCO-Compliance@afcodirect.com

Who we are
Who is providing this notice?	AFCO Credit Corporation and AFCO Acceptance Corp. (doing business as AFCO Direct)

What we do
How does AFCO Direct Premium Finance 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. Our employees are bound by our Code of Ethics and policies to access consumer information only for legitimate business purposes and to keep information about you confidential.
How does AFCO Direct Premium Finance collect my personal information?	We collect your personal information, for example, when you open an account and provide account information pay us by check or use your credit or debit card or make a wire transfer 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 non-affiliates 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.]
What happens when I limit sharing for an account I hold jointly with someone else.	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a Truist name; financial companies such as, GenSpring Holdings, Inc., Regional Acceptance Corporation, MBT, Ltd., and GFO Advisory Services, LLC.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Non-affiliates we share with can include government entities, credit bureaus, insurance companies, and companies that assist in servicing your loan(s) or account(s) with us. AFCO Direct Premium Finance doesn’t share 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. AFCO Direct Premium Finance doesn’t jointly market.

Other important information
You may have other privacy protections under some state laws. We will comply with applicable state laws as to information about you.	California Residents: Under California law, we will not share information we collect about CA residents with companies outside AFCO unless we have your consent or the law allows. We will limit sharing among AFCO entities to the extent required by California law. For information on our compliance with consumer rights laws, including the California Consumer Privacy Act (CCPA), please access the following link (https://www.afcodirect.com/shared/california-consumer-privacy-notice.html). Nevada Residents: We are providing this notice under Nevada state law. If you prefer not to receive marketing calls from AFCO Direct, you may be placed on our internal Do Not Call List by calling AFCO Direct at 877-701-1212 or emailing AFCO-Compliance@afcodirect.com. For more information on this Nevada law, contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 100 N. Carson Street, Las Vegas, NV 89703; Phone: 702-486-3132; Email: aginfo@ag.nv.gov.. Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at https://www.afcodirect.com/.