Who "We" are:

In this brochure, we, our and us means Exeter Finance Corp. We are a company specializing in automobile finance with offices currently in Texas but expanding throughout the United States.

What This Is:

This disclosure is our privacy policy. Your understanding of our information sharing practices is important to us. In this brochure, we will tell you (among other things):

• Information we collect about you;
• With whom we might share any of that information, and why;
• What we do to protect the information we have about you from unintended users.

We do not share information about you except as disclosed in this policy and as permitted by law.

Who "You" Are:

This policy applies to our consumer customers who have continuing relationships with us. You have a continuing relationship with us if, for example, you have a

• Loan Account
• Retail installment contract we hold and service

This policy also applies to all persons (individuals) who do not have a continuing relationship with us but who may use a financial product or service we provide in isolated transactions. This includes, for example, someone who

• Applies for an extension of credit that does not result in a contract or loan
• Is a former customer (your loan has been paid in full or charged off)
• Visits our website

What is "Information"

"Information" means "nonpublic personal information," which is a technical term that generally means

• (1) information that can identify you;
• (2) that is not available publicly; and
• (3) that we collect in connection with providing a financial product or service to you.

We will use the word "information" in this brochure to mean "nonpublic personal information."

Joint Accounts:

If you have a joint account with us, you should share this notice with the persons who share your account. They may not get a separate notice. Persons who share your account may obtain a copy of this notice by visiting our website at www.exeterfinance.com or contacting us at 469-499-0376. We will only give you one of those disclosures, no matter how many accounts you might have.

Information We Collect:

We collect information about you from the following sources:

• Information you might provide us on applications and other forms;
• Information about transactions we conduct for or with you;
• Information about transactions you might conduct through an affiliate;
• Information about your transactions with nonaffiliated third parties;
• Information from a consumer reporting agency;
• Information collected through available technologies in connection with your visit to our website.

Information We Share With Others

We do not disclose any Information about our customers or former customers except as permitted by law. We may disclose all of the information that we collect, as above, to nonaffiliated third parties. We disclose information about you to nonaffiliated third parties so we can provide you with information about additional products and services we do not offer directly but in which we think you would be interested. You may opt-out of the disclosure of this type of information.

Types of Nonaffiliated Third Parties

We may disclose the information listed above about you to the following types of nonaffiliated third parties:

• Financial services providers, such as:
  • Mortgage loan companies
  • Securities broker-dealers
  • Insurance agents
  • Banks
  • Credit card companies
  • Finance companies
• Business offering nonfinancial products or services, such as:
  • Retailers
  • Direct marketers
  • Airlines
  • Credit counseling service providers
  • Other service providers
• Others, such as:
  • Non-profit organizations

Information we may share with outside marketing servicers

We may disclose all of the information that we collect to companies who perform marketing services on our behalf. We disclose information about you to Outside Marketing Servicers so we can provide you with information about additional products and services we offer. We disclose information only when we believe the offer or services provided is important for you. Our agreements with these companies are subject to confidentiality provisions and restrictions on using the information for any other purpose. You may not opt-out of the disclosure of this type of information with Outside Marketing Servicers.

Types of business

"Outside Marketing Servicers" are third parties who perform marketing on our behalf in order to provide you with our products and services. Types of businesses with whom we may disclose the information described in this section include:

• Telemarketing companies
• Direct sales companies
• Electronic and/or digital marketers

Sharing with joint marketers

We may disclose all of the information that we collect to Joint Marketers. At times we arrange programs with other financial service providers to offer you the benefits of additional financial services. We disclose information only as we believe it is important for the offer or services provided. Our joint agreements with these companies are subject to confidentiality provisions and restrictions on using the information for any other purpose. You may not opt-out of the disclosure of this type of information with Joint Marketers.

Types of business

"Joint Marketers" are third-party financial institutions with whom we have limited agreements to jointly offer a financial products or services to you.

Types of businesses with whom we may disclose information under this section include:

• Financial service providers, such as:
  • Mortgage loan companies;
  • Securities broker-dealers;
  • Insurance agents;
  • Banks;
  • Credit card companies; and
  • Finance companies

Safeguards

Because we care about the protection and security of your Information, we restrict access to nonpublic personal information about you to those employees who need to know that information in order to perform their job or provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.