This FCRA (Fair Credit Reporting Act) Disclosure is provided by SET Financial Corporation (referred to as
“we,” “us,” or “our”) to inform you about our use of consumer credit reports and your rights under the
FCRA. This disclosure is applicable to individuals who apply for or obtain credit or other services from
Set Financial.

CONSUMER CREDIT REPORTS

We may use consumer credit reports to evaluate your eligibility for credit, loans, or other financial
services. These reports may contain information about your credit history, payment records, and other
relevant financial data. We may obtain these reports from consumer reporting agencies (CRAs) that
compile and maintain such information.

PERMISSIBLE PURPOSE

We will only request and use consumer credit reports for permissible purposes allowed by the FCRA.
These purposes include evaluating your creditworthiness, reviewing your application for credit, or
making other decisions related to providing financial services to you.

AUTHORIZATION

By submitting an application for credit or other financial services, you authorize us to obtain consumer
credit reports about you from one or more CRAs. This authorization allows us to access information
relevant to our evaluation of your eligibility and creditworthiness.

INFORMATION DISCLOSURE

We may share the consumer credit information we receive with our affiliates, partners, and service
providers as necessary for the purposes stated in this disclosure. However, we do not sell consumer
credit information to third parties for marketing purposes.

YOUR RIGHTS UNDER FCRA

As a consumer, you have certain rights under the FCRA. These rights include:
– The right to know if information in your consumer credit report has been used against you.
– The right to request a copy of your consumer credit report from the CRA.
– The right to dispute inaccurate or incomplete information in your consumer credit report.
– The right to know the name and contact information of the CRA that provided your consumer credit
report.
– The right to opt-out of receiving prescreened offers of credit or insurance.
For more detailed information about your rights under the FCRA, you may visit the website of the
Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov/learnmore.

CONTACT INFORMATION

If you have any questions or concerns regarding our use of consumer credit reports or your rights
under the FCRA, please contact us using the following details:

SET Financial Corporation
1213 W. Morehead St., 5th Floor
Charlotte, NC 28208
800-803-2510
cs@setfinancial.com

We are committed to complying with the FCRA and protecting the privacy and security of consumer
credit information. If there are any changes to this disclosure, we will notify you as required by law.
By clicking “Submit” or submitting an application, you acknowledge that you have read and understood
this FCRA Disclosure.