Privacy Policy

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

• 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 Real Genius chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Real Genius 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	No	No
For our affiliates’ everyday business purposes— information about your creditworthiness	No	No
For our affiliates to market to you	No	No
For nonaffiliated to market to you	No	We don't share

To limit our sharing

• Call (502) 767-2999 to notify us of your choice.
• 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.

Call (502) 767-2999

Who we are

Who is providing this notice?
Real Genius LLC.

What we do

How does Real Genius 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 Real Genius collect my personal information?
We collect your personal information, for example, when you:
• Open an account or apply for a loan
• Pay your bills or make deposits or withdrawals from your account
• Use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

How does Real Genius protect my personal information?
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 nonaffiliated to market to you

What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. Real Genius does not have any affiliates.

Nonaffiliated

Companies not related by common ownership or control. They can be financial and nonfinancial companies. Real Genius does not share with nonaffiliated companies, except in the context of joint marketing with other financial companies.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We do not have any joint marketing partners.

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Direct Expense – Cost To Originate Comparison By Year (47% Lower Cost Avg.)
Year	2015	2016	2017	2018	2019	2020	6 Year Avg.
MBA Avg.	$7,046	$7,209	$8,082	$8,278	$7,535	$7,640	$7,632
RG	$3,172	$3,236	$3,602	$3,978	$4,703	$5,462	$4,026
	55%	55%	55%	52%	38%	29%	47%