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PRIVACY POLICY

Reviewed August 2021


BESTEGG.COM PRIVACY STATEMENT

Your privacy is important to us. This Privacy Statement describes the types of
information Marlette Funding, LLC (“Best Egg”) collects from and about you when
you visit our website (“Site”), www.bestegg.com. This Privacy Statement also
explains how Best Egg may use and disclose such information, as well as your
ability to control certain uses of it.

For additional information about how we collect, use, and disclose your personal
information in connection with our financial products or services, please see
the Best Egg Loan Privacy Notice below.


INFORMATION COLLECTION

INFORMATION YOU PROVIDE TO US

Best Egg collects information from you when you choose to provide it to us. This
may include when you create an account, apply for a loan, accept a preapproved
firm offer of credit, request information from us, sign up for newsletters or
our email lists, use our Site, or otherwise contact us.

The information we collect may include your name, address, email address,
telephone or mobile phone number, Social Security number, and financial account
information. You may be required to provide certain personal information to
apply for and receive Best Egg services.


INFORMATION WE AUTOMATICALLY COLLECT

We may use cookies or other technologies to automatically collect certain
information when you visit our Site or interact with our emails. For example, if
you are responding to an offer of credit, we may automatically populate your
personal information into our system once you enter your offer code.
Additionally, we may automatically collect certain non-personal information from
you such as your browser type, operating system, software version, and Internet
Protocol (“IP”) address. We also may collect information about your use of the
Site, including the date and time of access, the areas or pages that you visit,
the amount of time you spend using the Site, the number of times you return,
whether you open, forward, or click-through emails, and other Site usage data.

You may adjust your browser or operating system settings to limit this tracking
or to decline cookies, but by doing so, you may not be able to use certain
features on the Site or take full advantage of all of our offerings. Check the
“Help” menu of your browser or operating system to learn how to adjust your
tracking settings or cookie preferences. Please note that our system may not
respond to Do Not Track requests or headers from some or all browsers.


INFORMATION COLLECTED FROM OTHER SOURCES

We may obtain information about you from other sources, including credit bureaus
and fraud detection services. This information may include name, updated address
or contact information, and information about your credit history and score. We
may combine this information with the information we collect from and about you
to determine continued creditworthiness, provide fraud detection services, and
help us provide our services to you.


INFORMATION USE

Best Egg may use the information we collect from and about you to:

 * Evaluate your creditworthiness in response to a preapproved firm offer of
   credit or request for financial services;
 * Contact you in response to a loan application or otherwise;
 * Provide loan servicing;
 * Develop new products or services;
 * Provide you with customized Site content;
 * Research, address problems with, and improve the usage and operations of the
   Site;
 * Protect the security or integrity of the Site and our business; and
 * As described to you at the point of data collection.


INFORMATION SHARING

Best Egg may share the information we collect from and about you: (1) to our
Service Providers, if the disclosure will enable them to perform a business,
professional, or technical support function for us; (2) as necessary if we
believe that there has been a violation of Best Egg’s Terms of Use or of our
rights or the rights of any third party; (3) to respond to judicial process or
provide information to law enforcement or regulatory agencies or in connection
with an investigation on matters related to public safety, as permitted by law,
or otherwise as required by law; and (4) as described to you at the point of
collection.

Best Egg may sell or purchase assets during the normal course of our business.
If another entity acquires us or any of our assets, information we have
collected from and about you may be transferred to such entity. In addition, if
any bankruptcy or reorganization proceeding is brought by or against us, such
information may be considered an asset of ours and may be sold or transferred to
third parties. Should such a sale or transfer occur, we will use reasonable
efforts to try to require that the transferee use personal information provided
through the Site in a manner that is consistent with this Privacy Statement.


SERVICE PROVIDERS

Best Egg may contract with third parties to perform functions related to the
Site (“Service Providers”). Service Providers will have access to your personal
information needed to perform their business functions, but may not use or share
that personal information for other purposes.


LINKS TO OTHER WEBSITES

The Site may have links to third-party websites, which may have privacy policies
that differ from our own. We are not responsible for the practices of such
sites.


CHILDREN’S PRIVACY

Protecting children’s privacy is important to us. We do not direct the Site to,
nor do we knowingly collect any personal information from, children under the
age of thirteen.


DATA SECURITY

We have taken certain physical, administrative, and technical steps to safeguard
the information we collect from and about our customers and Site visitors. While
we make every effort to help ensure the integrity and security of our network
and systems, we cannot guarantee our security measures.


ACCESS TO YOUR PERSONAL INFORMATION

If you have an account with us, you may sign in to your account on the Site and
update the personal information contained in the account.


UNSUBSCRIBE

To unsubscribe from Best Egg’s marketing emails, please click the personalized
link at the bottom of a marketing email.


IF YOU HAVE QUESTIONS

If you have any questions about this Privacy Statement or the practices
described herein, you may contact us at 1-844-825-2608 or PO Box 692127 San
Antonio, TX 78269.


REVISIONS TO THIS STATEMENT

Best Egg reserves the right to revise this Privacy Statement at any time. When
we do, we will post the change(s) on the Site. If we change the Privacy
Statement in a material way, we will provide appropriate notice to you.

Revised 11/2018

View PDF of Privacy Notice


CROSS RIVER BANK PRIVACY NOTICE

FACTS WHAT DOES CROSS RIVER BANK 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 Account balances
 * Payment history and Transaction history
 * Account transactions and Wire transfer instructions

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 Cross
River Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Cross River Bank share? Can
you limit this sharing? For our everyday business purposes – such as to process
your transactions, maintain your accounts, 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 NO We don't share For our
affiliates' everyday business purposes – information about your creditworthiness
NO We don't share For nonaffiliates to market to you NO We don't share

Questions? Call toll-free 1-877-55CRB55 or go to www.crossriverbank.com

Page 2 What we do How does Cross River Bank 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.

We also maintain other physical, electronic and procedural safeguards to protect
this information and we limit access to information to those employees for whom
access is appropriate.

How does Cross River Bank collect my personal information?

We collect your personal information, for example, when you

 * Open an account or apply for a loan
 * Make deposits or withdrawals from your account or provide employment
   information
 * Give us your contact 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. 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.

 * Cross River Bank does not share with our affiliates.

Nonaffiliates

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

 * Nonaffiliates we share with can include loan finance companies.

Joint marketing

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

 * Our joint marketing partner(s) include loan finance companies.

Other important information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share
personal information with nonaffiliates either for them to market to you or for
joint marketing-without your authorization.

For California Customers. We will not share personal information with
nonaffiliates either for them to market to you or for joint marketing-without
your authorization. We will also limit our sharing of personal information about
you with our affiliates to comply with all California privacy laws that apply to
us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share
personal information from deposit or share relationships with nonaffiliates
either for them to market to you or for joint marketing-without your
authorization.

For Vermont Customers. 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 www.crossriverbank.com or call
1-877-55CRB55.

Revised 04/2021

View PDF of Privacy Notice


BLUE RIDGE BANK, N.A. PRIVACY NOTICE

FACTS WHAT DOES BLUE RIDGE BANK, N.A. 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 investment experience

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 Blue
Ridge Bank, N.A. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Blue Ridge Bank, N.A. 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
nonaffiliates to market to you No We don't share

To limit our sharing

Call (888) 331-6521 to speak with a customer service representative

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 (888) 331-6521 or go to www.mybrb.com

Page 2 Who we are Who is providing this notice?

Blue Ridge Bank, N.A.
VCB Financial Group, Inc.

Businesses listed in the other section below provide their own privacy notices.

What we do How does Blue Ridge Bank, N.A. 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 Blue Ridge Bank, N.A. collect my personal information?

We collect your personal information, for example, when you

 * Open an account or apply for a loan
 * Use your credit or debit card or seek advice about investments
 * Make deposits or withdrawals from your account

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.

 * Hammond Insurance
 * Moneywise Payroll Solutions
 * Exchangers LTD

Nonaffiliates

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

 * Blue Ridge Bank, N.A. 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.

 * Blue Ridge Bank, N.A. does not jointly market.

Other important information

The following entities are not covered by this notice and have separate notices:

 * Carolina State Bank, a division of Blue Ridge Bank, N.A.
 * Monarch Mortgage, a division of Blue Ridge Bank, N.A.
 * Lender Select Mortgage Group, a DBA of Blue Ridge Bank, N.A.

Revised May 2021

View PDF of Privacy Notice


FIRST BANK & TRUST PRIVACY POLICY

FACTS WHAT DOES FIRST BANK & TRUST 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 transaction history
 * Account balances and payment history
 * Credit history and credit scores

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 First
Bank & Trust chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information Does First Bank & Trust 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 do not share For our affiliates to market to you No We do not share For
nonaffiliates to market to you No We do not share

Contact Information

Questions?

Call toll-free 833-707-1226

Who we are Who is providing this notice?

First Bank & Trust, 520 Sixth Street, Brookings, South Dakota 57006

What we do How does First Bank & Trust 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 First Bank & Trust collect my personal information?

We collect your personal information, for example, when you

 * apply for a credit card account
 * provide account information or give us your contact information
 * provide information to verify your identity
 * use your credit card
 * 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.

Definition Affiliate

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

 * Our affiliates include financial companies such as Fishback Financial
   Corporation

Nonaffiliate

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

 * First Bank & Trust does 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.

 * Our joint marketing partners include consumer loan lenders

Other important information

For California Customers: We will not share personal information with
nonaffiliates either for them to market to you or for joint marketing without
your authorization. We will also limit our sharing of personal information about
you with our affiliates to comply with California privacy laws that apply to us.


CALIFORNIA PRIVACY RIGHTS

The California Consumer Privacy Act (CCPA) provides protections and provisions
to California residents. In compliance with the CCPA, Best Egg is fully
committed to handling the personal information of consumers responsibly with
respect and due care.

If you are a California resident, California law provides you with specific
rights regarding your personal information, including the right to request that
we disclose certain information to you about our collection and use of your
personal information over the past 12 months and the right to request that we
delete any of your personal information that we have collected from you, subject
to certain exceptions. Please note that we are only required to respond to two
such requests per customer each year.

This summary outlines how Best Egg collects, uses, and shares personal
information:

Collects: Best Egg collects information that you provide to us as well as
information that is collected and stored automatically. For details about how
information is collected online, please refer to the Terms of Use section of the
Best Egg website at: https://www.bestegg.com/terms-of-use/.

Uses: Information is used for the purpose of determining loan eligibility,
processing requests, and servicing funded loans. Some information may be used
for marketing purposes and to enhance your customer experience.

Sells / Discloses: Information is shared with service providers and affiliates
to administer services and may be shared with law enforcement, regulatory
agencies and the courts as permitted by law.


YOUR RIGHTS AS A CALIFORNIA RESIDENT

Listed below is a summary of the rights you are entitled to as a California
resident under the California Consumer Privacy Act:

 * To request information about yourself that has been collected, used,
   disclosed or sold;
 * To request to be deleted, subject to certain exceptions, including compliance
   with applicable laws and regulations. In addition, certain information
   related to the processing of applications and the servicing of accounts
   within the normal course of business is required to be maintained;
 * To request the disclosure of the categories of personal information
   collected, the category sources, the purpose of collection and the categories
   of information that has been shared or sold along with the business purpose;
 * To opt-out of the sale of personal information. Please note that the
   collection and sharing of certain information is needed to comply with
   federal law and to provide certain products and services;
 * And, to be free from discrimination for exercising your rights. Please note
   that incentives may be extended to consumers who permit their personal
   information to be shared or sold.

If you wish to opt-out of the sale of your personal information, as defined by
the CCPA, you may submit your request online at
https://www.bestegg.com/apply/privacy-act. You may also contact Best Egg at
(866) 615-4323.


About Us
 * Best Egg Personal Loans
 * Best Egg Reviews
 * Marlette Funding, LLC‡
 * Lending Partners
 * Leadership
 * Careers
 * News & Press
 * Philanthropy
 * COVID-19 Updates

Legal
 * Privacy Policy
 * California Privacy Notice
 * Terms and Conditions
 * Request Cardmember Agreement
 * Terms of Use
 * Licenses
 * Accessibility

Questions
 * Contact Us
 * Payment Mailing Address
 * Blog
 * Resources
 * Help Center

Connect With Us

Visit us on Facebook Visit us on Twitter Visit us on Instagram Visit us on
LinkedIn

3419 Silverside Road
Wilmington, DE 19810


† Annual Percentage Rates (APRs) range from 5.99%–35.99%. The APR is the cost of
credit as a yearly rate and reflects both your interest rate and an origination
fee of 0.99%–5.99% of your loan amount, which will be deducted from any loan
proceeds you receive. The origination fee on a loan term 4-years or longer will
be at least 4.99%. Your loan term will impact your APR, which may be higher than
our lowest advertised rate. You need a minimum 700 FICO® score and a minimum
individual annual income of $100,000 to qualify for our lowest APR. For example:
a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of
$201.81, and a 3‐year $5,000 loan with 5.99% APR has 36 scheduled monthly
payments of $150.57.

About half of our customers get their money the next day. After successful
verification, your money can be deposited in your bank account within 1-3
business days.

*By entering your email address, you are opting in to receive updates,
notifications and special offers from Best Egg and its affiliates, agents,
service providers or assignees (and any of its assignee’s affiliates, agents or
service providers) and, with your consent, one or more lending partners. This
email address will also be used to log into your application.

Best Egg loans are unsecured or secured personal loans made by Cross River Bank,
a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender
or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing
Lender. Best Egg Credit Card is issued by First Bank & Trust, Brookings, SD
pursuant to a license by Visa International.
“Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation.
All uses of “Best Egg” refer to “the Best Egg personal loan” and/or “Best Egg on
behalf of Cross River Bank or Blue Ridge Bank, as originator of the Best Egg
personal loan,” as applicable. Learn more about our lending partners.

The term, amount and APR of any loan we offer to you will depend on your credit
score, income, debt payment obligations, loan amount, credit history and other
factors. If offered, your loan agreement will contain specific terms and
conditions. The timing of available funds upon loan approval may vary depending
upon your bank’s policies.

Loan amounts range from $2,000–$50,000. Residents of Massachusetts have a
minimum loan amount of $6,500; New Mexico and Ohio, $5,000; and Georgia, $3,000.
For a second Best Egg loan, your total existing Best Egg loan balances cannot
exceed $50,000.

Best Egg loans can be repaid at any time without penalty. Barring any unforeseen
circumstances, Best Egg loans have a minimum term of 36 months and a maximum
term of 60 months.

To help the government fight the funding of terrorism and money laundering
activities, federal law requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an account. What
this means for you: When you open an account, we will ask for your name,
address, date of birth, and other information that will allow us to identify
you. We may also ask to see your driver’s license or other identifying
documents.

‡ Marlette Holdings, Inc., a Delaware corporation, is the parent company to the
following subsidiaries: Marlette Servicing, LLC and Marlette Marketing, LLC.

© 2022 Marlette Funding, LLC. All rights reserved.

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