Privacy Notice

Rev. February, 2026

Our privacy practices are described in our Privacy Policy, and we have provided a summary of how we handle non-public personal information below:

	WHAT DOES ZENDABLE, INC. 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 employment information; Account balances and transaction 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 Zendable, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Zendable 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	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	Yes	Yes
For our affiliates to market to you	Yes	Yes
For our non-affiliates to market to you	No	We don't share

To limit our sharing
Call 1-844-779-2253 for loans Monday through Friday 8 am to 9 pm EST Call 1-877-659-2253 for cards Monday through Friday 9 am to 6 pm EST Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call 1-844-779-2253 for loans, 1-877-659-2253 for cards, or go to www.zable.com

Who we are
Who is providing this notice?	Zendable, Inc.
What we do
How does Zendable 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 Zendable collect your personal information?	We collect your personal information, for example, when you: open an account or apply for a loan provide account information or pay your bills use your credit or debit card 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. 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. Our affiliates include Zendable, LLC and Zendable Cards, LLC.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Zendable, LLC 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. Zendable, LLC doesn't jointly market.
Other important information
California Residents	Under California law, we will not share information we collect about you with companies outside of Zendable, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.
Nevada Residents	We are providing you this notice under state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing contact section. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702.486.3132; email: aginfo@ag.nv.gov. Zendable, LLC, 3100 Clarendon Blvd, Suite 200, Arlington, VA 22201; Phone number: 1-844-779-2253; email: privacy@zable.com.
Vermont Residents	Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.