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FACTS	WHAT DOES SOUTH PACIFIC FINANCIAL CORPORATION (SPFC) 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 income transaction history 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 South Pacific Financial Corporation chooses to share; and whether you can limit this sharing.

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

To limit our sharing	Call Toll-Free at (877) 254-6989 Mail the form below 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 Toll-Free at (877) 254-6989

Mail-in Form
If you have a joint account, your choice(s) will apply to everyone on the account	Circle any/all you want to limit: Do not share information about my creditworthiness with your affiliates for their everyday business purposes. Do not allow your affiliates to use my personal information to market to me. Do not share my personal information with non-affiliates to market their products and services to me.
	Name	Mail to: South Pacific Financial Corp. 100 Pacifica, Suite 100 Irvine, CA 92618 Attention: Privacy Opt-Out
	Address

	City, State, Zip
	Loan Number

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Who we are
Who is providing this notice?		South Pacific Financial Corporation legal entities covered by this notice South Pacific Financial Corporation and companies with “South Pacific Financial Corporation” or “North Pacific Financial Corporation” in their names, including SPFC; NPFC and SPDirect Lending
What we do
How does SPFC 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 SPFC collect my personal information?	We collect your personal information, for example, when you apply for a loan or give us your income information provide employment information or give us your contact information tell us about your investment or retirement portfolio 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account—unless you tell us otherwise.

Definitions
Affiliates		Companies related by common ownership or control. They can be financial and nonfinancial companies. übermortgage, Inc. is a wholly owned subsidiary of South Pacific Financial Corporation
Non-affiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies. South Pacific Financial Corporation does not 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. South Pacific Financial Corporation doesn’t jointly market

Other important information
California: Under California law, we will not share information we collect about you with companies outside of South Pacific Financial Corporation, 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. For Nevada residents only: 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: BCPINFO@ag.state.nv.us. South Pacific Financial Corporation, 100 Pacifica, Suite 100, Irvine, CA 92618; Phone number: (877) 254-6989