Common use of Use of Your Information Clause in Contracts

Use of Your Information. We will make searches about you at credit reference agencies who will supply us with credit informa on, as well as informa on from the Electoral Register. The agencies will record details of the search whether or not this applica on proceeds. We may use credit‐scoring methods to assess this applica on and to verify your xxxx xx. Credit searches and other informa on which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by Omni Capital Retail Finance Limited and other companies if credit decisions are made about you, or other members of your household. This informa on may also be used for debt tracing and the preven on of money laundering as well as the management of your account. To prevent or detect fraud, or to assist in verifying your xxxx xx, we may make searches of Group records and at fraud preven on agencies who will supply us with informa on. We may also pass informa on to financial and other organisa ons involved in fraud preven on to protect ourselves and our customers from the and fraud. If you give us false or inaccurate informa on and we suspect fraud, we will record this. Law enforcement agencies may access and use this informa on. We, members of the Group, and other companies may use this informa on if decisions are made about you or others at your address(es) on credit or credit‐related services or motor, household, credit, life or other insurance facili es. It may also be used for tracing and claims assessment. Before entering into this agreement we may search records at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. For the purposes of this applica on you may be treated as financially linked and you will be assessed with reference to “associated records”. Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on me, we may tell credit reference agencies who will record the outstanding debt. These records will be shared with other organisations and may be used and searched by us and them to: Consider applications for credit and credit related services, for you and any associated person; Trace debtors, recover debts, prevent or detect money laundering and fraud, and to manage your account(s) If we transfer any of our rights and du es under this agreement to any person or company, we will pass relevant information about you to them. If you write to us and pay a fee you have a right of access to your information held by us. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xx xxx, XX00 0XX. You have the right ofaccess to your personal records held by credit and fraud agencies on payment of a fee. If you ask we will tell you the name and address of the credit reference and fraud prevention agencies we use.

Use of Your Information. In considering whether to enter into this Agreement, We will make searches about may search Your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person with whom You have or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be Your spouse or partner (not a business partner), We may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate’s agreement to disclose their information for us to use in the manner described herein. We may also add to Your records with the credit reference agencies who will supply us details of Your agreement(s) with credit informa onUs, as well as informa on from the Electoral Registerpayments You make under it, any default or failure to keep to its terms and any change of address. The agencies will record details of the search whether or not this applica on proceeds. We may use credit‐scoring methods to assess this applica on and to verify link your xxxx xx. Credit searches and other informa on which is provided to us and/or the credit reference agencies, about you records and those with whom of your financial associate (s). These will remain on their files until you tell the agency that you are no longer financially linked financially may be used by Omni Capital Retail Finance Limited and other companies if credit decisions are made about you, or other members of your household. This informa on may also be used for debt tracing and the preven on of money laundering as well as the management of your account. To prevent or detect fraud, or to assist in verifying your xxxx xx, we may make searches of Group records and at fraud preven on agencies who will supply us with informa on. We may also pass informa on to financial and other organisa ons involved in fraud preven on to protect ourselves and our customers from the and fraud. If you give us false or inaccurate informa on and we suspect fraud, we will record agency accepts this. Law enforcement agencies may access and use this informa on. We, members of the Group, and other companies may use this informa on if decisions are made about you or others at your address(es) on credit or credit‐related services or motor, household, credit, life or other insurance facili es. It may also be used for tracing and claims assessment. Before entering into this agreement we may search records at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. For the purposes of this applica on you may be treated as financially linked and you will be assessed with reference to “associated records”. Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on me, we may tell credit reference agencies who will record the outstanding debt. These records will be shared with other organisations and may be used and searched by us Us and them in order to: Consider ● Prevent fraud and money laundering, for example by:- - checking details on applications for credit and credit-related or other facilities; - managing credit and credit related servicesaccounts and other facilities; - recovering debts that you owe and tracing your whereabouts; - checking details on proposals and claims for all types of insurance; - checking details of job applications and employee records; ● Verify Your identity ● Make decisions on credit, for you insurance and any associated personother facilities, about You, Your financial associate(s), members of Your household or Your business; Trace debtors, recover debts, prevent and ● Carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We may check Your details with fraud prevention agencies and if You provide false or detect money laundering and inaccurate information or We suspect fraud, this information may be recorded and notified to manage your account(s) If we transfer fraud prevention agencies. Law enforcement agencies may access and use this information. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for You and members of Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 0000 000 0000 if You require details of the credit reference agencies or any of our rights other agencies from whom We obtain, and du es under this agreement to any person or companywhom We pass, we will pass relevant information about you to themYou. If you write to us and pay a fee you You have a legal right of access to your information held by us. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xx xxx, XX00 0XXthese details. You have the right ofaccess to your personal records held by credit and fraud agencies on payment of receive a fee. If you ask we will tell you the name and address copy of the credit reference information We hold about You if You apply to Us in writing. A small statutory fee will be payable. Your data and fraud prevention agencies we usethat of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxxxxxxxx.

Use of Your Information. What we will do when you apply: We will make searches about you search your record at credit reference agencies who and fraud prevention agencies, which will supply us include information about anyone with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit informa on, as well as informa on from the Electoral Registerapplications (a “financial associate”). The agencies will record details of the search whether It may be your spouse or partner (not this applica on proceedsa business partner). We may use credit‐scoring methods to assess this applica on and to verify your xxxx xx. Credit searches and other informa on which is provided to us and/or the credit reference agenciesalso, about you and those with whom in certain limited circumstances, if you are linked financially may be used by Omni Capital Retail Finance Limited and other companies if credit decisions are made about you, a director or other members of partner in a small business check on your household. This informa on may also be used for debt tracing and the preven on of money laundering as well as the management of your account. To prevent or detect fraud, or to assist in verifying your xxxx xx, we may make searches of Group records and at fraud preven on agencies who will supply us with informa on. We may also pass informa on to financial and other organisa ons involved in fraud preven on to protect ourselves and our customers from the and fraudbusiness. If you give us false or inaccurate informa on information and we suspect identify fraud, we will record thisthis with fraud prevention agencies. Law enforcement agencies may access and use this informa oninformation. We, members of the Group, and other companies may We will use this informa on if decisions are made about you or others at your address(es) on credit or credit‐related services or motor, household, credit, life a scoring or other insurance facili esautomated decision-making system to assess your application and to verify your identity. It may also be used for tracing and claims assessment. Before entering into this agreement we may search records at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. For What the purposes of this applica on you may be treated as financially linked and you will be assessed with reference to “associated records”. Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on me, we may tell credit reference agencies who will do: Whether or not this application proceeds, the credit reference agency will place a record of our search on your credit file. This record (but not our name) will be seen by other organisations when you apply for credit in the outstanding debtfuture. A large number of applications within a short period of time could affect your ability to obtain credit. Whether or not this application proceeds, the agencies will link your records and those of your financial associate(s), including any previous and subsequent names. These records links will be shared remain on your and their files until you or they tell the agency you are no longer financially linked and the agency accepts this. The agencies will supply us with other organisations credit information, such as previous applications, the conduct of accounts in your and may be used your financial associate’s name, fraud prevention information and searched by us public information such as County Court judgments, bankruptcies and them tothe Electoral Register. How we and others use the agency information: Consider applications for credit and credit related services, for you and any associated person; Trace debtors, recover debts, prevent or detect money laundering and fraud, and to manage your account(s) If we transfer any of our rights and du es under this agreement to any person or company, we will pass relevant information about you to them. If you write to us and pay a fee you have a right of access to your Some information held by us. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xx xxx, XX00 0XX. You have the right ofaccess to your personal records held by credit and fraud agencies on payment of a fee. If you ask we will tell you the name and address of the credit reference and fraud prevention agencies will be disclosed to us and other organisations to, for example: • prevent fraud and money laundering, for example by checking details on: • applications for credit or credit related activity; • proposals and claims for all types of insurance; • job applicants and employees. • recover debts that you owe and trace your whereabouts; • manage credit accounts and other facilities; • verify your identity; • make decisions on credit, insurance and other facilities, about you, your financial associate(s), members of your household or your business; and • carry out statistical analysis to help with decisions about credit and account management. We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies. What we use.will also do when you have an agreement with us: We will add to your record with the credit reference agencies details of your agreement with us, the payments you make under it, any default or failure to keep its terms and any change of name or address. Account information given to credit reference agencies remains on file for 6 years after the account is closed, whether settled by you or upon default. Please write to the Head of Risk, Hitachi Personal Finance, 2 Apex View, Leeds, West Yorkshire LS11 9BH if you want details of those credit reference and fraud prevention agencies from which we obtain, and to which we pass, information about you. You have a legal right to these details. Operating your Account We may use your information (including details of how you conduct your account) to:

Use of Your Information. In considering whether to enter into this Agreement, We will make searches about may search Your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person with whom You have or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be Your spouse or partner (not a business partner), We may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate's agreement to disclose their information for Us to use in the manner described herein. We may also add to Your records with the credit reference agencies who will supply us details of Your agreement(s) with credit informa onUs, as well as informa on from the Electoral Registerpayments You make under it, any default or failure to keep to its terms and any change of address. The agencies will record details of the search whether or not this applica on proceeds. We may use credit‐scoring methods to assess this applica on and to verify link your xxxx xx. Credit searches and other informa on which is provided to us and/or the credit reference agencies, about you records and those with whom of your financial associate(s). These will remain on their files until you tell the agency that you are no longer financially linked financially may be used by Omni Capital Retail Finance Limited and other companies if credit decisions are made about you, or other members of your household. This informa on may also be used for debt tracing and the preven on of money laundering as well as the management of your account. To prevent or detect fraud, or to assist in verifying your xxxx xx, we may make searches of Group records and at fraud preven on agencies who will supply us with informa on. We may also pass informa on to financial and other organisa ons involved in fraud preven on to protect ourselves and our customers from the and fraud. If you give us false or inaccurate informa on and we suspect fraud, we will record agency accepts this. Law enforcement agencies may access and use this informa on. We, members of the Group, and other companies may use this informa on if decisions are made about you or others at your address(es) on credit or credit‐related services or motor, household, credit, life or other insurance facili es. It may also be used for tracing and claims assessment. Before entering into this agreement we may search records at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. For the purposes of this applica on you may be treated as financially linked and you will be assessed with reference to “associated records”. Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on me, we may tell credit reference agencies who will record the outstanding debt. These records will be shared with other organisations and may be used and searched by us Us and them in order to: Consider • Prevent fraud and money laundering, for example by: ◦checking details on applications for credit and credit-related or other facilities; ◦managing credit and credit related servicesaccounts and other facilities; ◦recovering debts that you owe and tracing your whereabouts; ◦checking details on proposals and claims for all types of insurance; ◦checking details of job applications and employee records; • Verify Your identity • Make decisions on credit, for you insurance and any associated personother facilities, about You, Your financial associate(s), members of Your household or Your business; Trace debtors, recover debts, prevent and • Carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We may check Your details with fraud prevention agencies and if You provide false or detect money laundering and inaccurate information or We suspect fraud, this information may be recorded and notified to manage your account(s) If we transfer fraud prevention agencies. Law enforcement agencies may access and use this information. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for You and members of Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 000 0000 0000 if You require details of the credit reference agencies or any of our rights other agencies from whom We obtain, and du es under this agreement to any person or companywhom We pass, we will pass relevant information about you to themYou. If you write to us and pay a fee you You have a legal right of access to your information held by us. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xx xxx, XX00 0XXthese details. You have the right ofaccess to receive a copy of the information We hold about You if You apply to Us in writing. A small statutory fee will be payable. Your data and that of your personal records held by credit partners, directors and fraud agencies shareholders remains on payment file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version of a feehow We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxx. If you ask we will tell you You would like to make a complaint about the name services provided by Us, in the first instance, and address to allow Us to resolve any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any of the credit reference above details. Only sign this agreement if You agree to the terms of this Agreement (including the terms and fraud prevention agencies we use.conditions above) and want to be legally bound by its terms. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreement:

Use of Your Information. We The personal information we have collected from you will make searches about you at credit reference be shared with fraud prevention agencies who will supply us with credit informa on, as well as informa on from the Electoral Register. The agencies will record details of the search whether or not this applica on proceeds. We may use credit‐scoring methods it to assess this applica on prevent fraud and money-laundering and to verify your xxxx xxidentity. Credit searches and other informa on which If fraud is provided to us and/or the credit reference agenciesdetected, about you and those with whom you are linked financially may could be refused certain services, finance or employment. Further details of how your information will be used by Omni Capital Retail Finance Limited us and other companies if credit decisions are made about youthese fraud prevention agencies, or other members of and your household. This informa on may also data protection rights, can be used for debt tracing and the preven on of money laundering as well as the management of found by visiting xxx.XXXXX.xx.xx In order to process your account. To prevent or detect fraud, or to assist in verifying your xxxx xx, we may make searches of Group records and at fraud preven on agencies who will supply us with informa on. We may also pass informa on to financial and other organisa ons involved in fraud preven on to protect ourselves and our customers from the and fraud. If you give us false or inaccurate informa on and we suspect fraudapplication, we will record this. Law enforcement agencies may access perform credit and use this informa on. We, members of the Group, and other companies may use this informa identity checks on if decisions are made about you with one or others at your address(es) on credit or credit‐related services or motor, household, credit, life or other insurance facili es. It may also be used for tracing and claims assessment. Before entering into this agreement we may search records at more credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. For the purposes of this applica on you may be treated as financially linked and you will be assessed with reference to agencies (“associated recordsCRAs”). Where you borrow or take services from us we may borrow from also make periodic searches at CRAs to manage your account with us. To do this, we may will supply your personal information to CRAs and they will give details us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information. We will use this information to: Assess your creditworthiness and whether you can afford to take the product; Verify the accuracy of the data you have provided to us; Prevent criminal activity, fraud and money laundering; Manage your account account(s); Trace and how recover debts; and Ensure any offers provided to you manage it are appropriate to credit reference agenciesyour circumstances. We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on metime, we may tell credit reference agencies who CRAs will record the outstanding debt. These records will This information may be shared with supplied to other organisations and by CRAs. When CRAs receive a search from us they will place a search footprint on your credit file that may be used and searched seen by other lenders. If you tell us and them to: Consider applications for credit and credit related services, for that you and any associated person; Trace debtors, recover debts, prevent have a spouse or detect money laundering and fraud, and to manage your account(s) If we transfer any of our rights and du es under this agreement to any person or companyfinancial associate, we will pass relevant link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link. The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at xxxxx://xxx.xxxxxxxxxxxxxxxxxxxxxx.xx.xx/privacy-policy/xxxxx. This is also accessible from each of the three CRAs: Callcredit xxx.xxxxxxxxxx.xx.xx Equifax xxx.xxxxxxx.xx.xx Experian xxx.xxxxxxxx.xx.xx or you can obtain a copy of this information about by asking the person who is responsible for supplying you with the goods financed under this agreement. Hitachi Personal Finance is a trading style of Hitachi Capital (UK) PLC. Authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. Registered Office: Hitachi Capital House, Xxxxxx Road, Staines-upon-Thames, TW18 3HP Registered in Cardiff No. 1630491 This guarantee should be retained by the Payer. THE DIRECT DEBIT GUARANTEE • This Guarantee is offered by all Banks and Building Societies that accept instructions to thempay Direct Debits. • If there are any changes to the amount, date or frequency of your Direct Debit, Hitachi Capital will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you write request Hitachi Capital to us collect a payment, confirmation of the amount and pay a fee date will be given to you have a right at the time of access to your information held by usthe request. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xx xxx, XX00 0XX. You have • If an error is made in the right ofaccess to your personal records held by credit and fraud agencies on payment of your Direct Debit, by Hitachi Capital or your bank or building society, you are entitled to a fee. full and immediate refund of the amount paid from your bank or building society - If you ask we will tell receive a refund you the name and address of the credit reference and fraud prevention agencies we useare not entitled to, you must pay it back when Hitachi Capital asks you to. • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

Use of Your Information. What we will do when you apply: We will make searches about you search your record at credit reference agencies who and fraud prevention agencies, which will supply us include information about anyone with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit informa on, as well as informa on from the Electoral Registerapplications (a “financial associate”). The agencies will record details of the search whether It may be your spouse or partner (not this applica on proceedsa business partner). We may use credit‐scoring methods to assess this applica on and to verify your xxxx xx. Credit searches and other informa on which is provided to us and/or the credit reference agenciesalso, about you and those with whom in certain limited circumstances, if you are linked financially may be used by Omni Capital Retail Finance Limited and other companies if credit decisions are made about you, a director or other members of partner in a small business check on your household. This informa on may also be used for debt tracing and the preven on of money laundering as well as the management of your account. To prevent or detect fraud, or to assist in verifying your xxxx xx, we may make searches of Group records and at fraud preven on agencies who will supply us with informa on. We may also pass informa on to financial and other organisa ons involved in fraud preven on to protect ourselves and our customers from the and fraudbusiness. If you give us false or inaccurate informa on information and we suspect identify fraud, we will record thisthis with fraud prevention agencies. Law enforcement agencies may access and use this informa oninformation. We, members of the Group, and other companies may We will use this informa on if decisions are made about you or others at your address(es) on credit or credit‐related services or motor, household, credit, life a scoring or other insurance facili esautomated decision-making system to assess your application and to verify your identity. It may also be used for tracing and claims assessment. Before entering into this agreement we may search records at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. For What the purposes of this applica on you may be treated as financially linked and you will be assessed with reference to “associated records”. Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on me, we may tell credit reference agencies who will do: Whether or not this application proceeds, the credit reference agency will place a record of our search on your credit file. This record (but not our name) will be seen by other organisations when you apply for credit in the outstanding debtfuture. A large number of applications within a short period of time could affect your ability to obtain credit. Whether or not this application proceeds, the agencies will link your records and those of your financial associate(s), including any previous and subsequent names. These records links will be shared remain on your and their files until you or they tell the agency you are no longer financially linked and the agency accepts this. The agencies will supply us with other organisations credit information, such as previous applications, the conduct of accounts in your and may be used your financial associate’s name, fraud prevention information and searched by us public information such as County Court judgments, bankruptcies and them tothe Electoral Register. How we and others use the agency information: Consider applications for credit and credit related services, for you and any associated person; Trace debtors, recover debts, prevent or detect money laundering and fraud, and to manage your account(s) If we transfer any of our rights and du es under this agreement to any person or company, we will pass relevant information about you to them. If you write to us and pay a fee you have a right of access to your Some information held by us. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xx xxx, XX00 0XX. You have the right ofaccess to your personal records held by credit and fraud agencies on payment of a fee. If you ask we will tell you the name and address of the credit reference and fraud prevention agencies will be disclosed to us and other organisations to, for example: • prevent fraud and money laundering, for example by checking details on: • applications for credit or credit related activity; • proposals and claims for all types of insurance; • job applicants and employees. • recover debts that you owe and trace your whereabouts; • manage credit accounts and other facilities; • verify your identity; • make decisions on credit, insurance and other facilities, about you, your financial associate(s), members of your household or your business; and • carry out statistical analysis to help with decisions about credit and account management. We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies. What we use.will also do when you have an agreement with us: We will add to your record with the credit reference agencies details of your agreement with us, the payments you make under it, any default or failure to keep its terms and any change of name or address. Account information given to credit reference agencies remains on file for 6 years after the account is closed, whether settled by you or upon default. Please write to the Risk Operations Manager, Hitachi Personal Finance, 2 Apex View, Leeds, West Yorkshire LS11 9BH if you want details of those credit reference and fraud prevention agencies from which we obtain, and to which we pass, information about you. You have a legal right to these details. Operating your Account We may use your information (including details of how you conduct your account) to:

Use of Your Information. We will make searches about you at credit reference agencies who will supply us with credit informa oninformation, as well as informa on information from the Electoral Register. The agencies will record details of the search whether or not this applica on application proceeds. We may use credit‐scoring methods to assess this applica on application and to verify your xxxx xxidentity. Credit searches and other informa on information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially financially may be used by Omni Capital Retail Finance Limited and other companies if credit decisions are made about you, or other members of your household. This informa on information may also be used for debt tracing and the preven on prevention of money laundering as well as the management of your account. To prevent or detect fraud, or to assist in verifying your xxxx xxidentity, we may make searches of Group records and at fraud preven on prevention agencies who will supply us with informa oninformation. We may also pass informa on information to financial financial and other organisa ons organisations involved in fraud preven on prevention to protect ourselves and our customers from the theft and fraud. If you give us false or inaccurate informa on information and we suspect fraud, we will record this. Law enforcement agencies may access and use this informa oninformation. We, members of the Group, and other companies may use this informa on information if decisions are made about you or others at your address(es) on credit or credit‐related services or motor, household, credit, life or other insurance facili esfacilities. It may also be used for tracing and claims assessment. Before entering into this agreement we may search records at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financiallyfinancially. For the purposes of this applica on application you may be treated as financially financially linked and you will be assessed with reference to “associated records”. Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on metime, we may tell credit reference agencies who will record the outstanding debt. These records will be shared with other organisations and may be used and searched by us and them to: Consider applications for credit and credit related services, for you and any associated person; Trace debtors, recover debts, prevent or detect money laundering and fraud, and to manage your account(s) If we transfer any of our rights and du es duties under this agreement to any person or company, we will pass relevant information about you to them. If you write to us and pay a fee you have a right of access to your information held by us. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xx xxxXxxxxxx, XX00 0XX. You have the right ofaccess to your personal records held by credit and fraud agencies on payment of a fee. If you ask we will tell you the name and address of the credit reference and fraud prevention agencies we use.

Use of Your Information. We The personal information we have collected from you will make searches about you at credit reference be shared with fraud prevention agencies who will supply us with credit informa on, as well as informa on from the Electoral Register. The agencies will record details of the search whether or not this applica on proceeds. We may use credit‐scoring methods it to assess this applica on prevent fraud and money-laundering and to verify your xxxx xxidentity. Credit searches and other informa on which If fraud is provided to us and/or the credit reference agenciesdetected, about you and those with whom you are linked financially may could be refused certain services, finance or employment. Further details of how your information will be used by Omni Capital Retail Finance Limited us and other companies if credit decisions are made about youthese fraud prevention agencies, or other members of and your household. This informa on may also data protection rights, can be used for debt tracing and the preven on of money laundering as well as the management of found by visiting xxx.XXXXX.xx.xx In order to process your account. To prevent or detect fraud, or to assist in verifying your xxxx xx, we may make searches of Group records and at fraud preven on agencies who will supply us with informa on. We may also pass informa on to financial and other organisa ons involved in fraud preven on to protect ourselves and our customers from the and fraud. If you give us false or inaccurate informa on and we suspect fraudapplication, we will record this. Law enforcement agencies may access perform credit and use this informa on. We, members of the Group, and other companies may use this informa identity checks on if decisions are made about you with one or others at your address(es) on credit or credit‐related services or motor, household, credit, life or other insurance facili es. It may also be used for tracing and claims assessment. Before entering into this agreement we may search records at more credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. For the purposes of this applica on you may be treated as financially linked and you will be assessed with reference to agencies (“associated recordsCRAs”). Where you borrow or take services from us we may borrow from also make periodic searches at CRAs to manage your account with us. To do this, we may will supply your personal information to CRAs and they will give details us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information. We will use this information to: • Assess your creditworthiness and whether you can afford to take the product; • Verify the accuracy of the data you have provided to us; • Prevent criminal activity, fraud and money laundering; • Manage your account account(s); • Trace and how recover debts; and • Ensure any offers provided to you manage it are appropriate to credit reference agenciesyour circumstances. We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on metime, we may tell credit reference agencies who CRAs will record the outstanding debt. These records will This information may be shared with supplied to other organisations and by CRAs. When CRAs receive a search from us they will place a search footprint on your credit file that may be used and searched seen by other lenders. If you tell us and them to: Consider applications for credit and credit related services, for that you and any associated person; Trace debtors, recover debts, prevent have a spouse or detect money laundering and fraud, and to manage your account(s) If we transfer any of our rights and du es under this agreement to any person or companyfinancial associate, we will pass relevant link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link. The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at xxxxx://xxx.xxxxxxxxxxxxxxxxxxxxxx.xx.xx/privacy-policy/xxxxx. This is also accessible from each of the three CRAs: Callcredit xxx.xxxxxxxxxx.xx.xx Equifax xxx.xxxxxxx.xx.xx Experian xxx.xxxxxxxx.xx.xx or you can obtain a copy of this information about by asking the person who is responsible for supplying you with the goods financed under this agreement. Hitachi Personal Finance is a trading style of Hitachi Capital (UK) PLC. Authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. Registered Office: Hitachi Capital House, Xxxxxx Road, Staines-upon-Thames, TW18 3HP Registered in Cardiff No. 1630491 This guarantee should be retained by the Payer. THE DIRECT DEBIT GUARANTEE • This Guarantee is offered by all Banks and Building Societies that accept instructions to thempay Direct Debits. • If there are any changes to the amount, date or frequency of your Direct Debit, Hitachi Capital will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you write request Hitachi Capital to us collect a payment, confirmation of the amount and pay a fee date will be given to you have a right at the time of access to your information held by usthe request. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xx xxx, XX00 0XX. You have • If an error is made in the right ofaccess to your personal records held by credit and fraud agencies on payment of your Direct Debit, by Hitachi Capital or your bank or building society, you are entitled to a fee. full and immediate refund of the amount paid from your bank or building society - If you ask we will tell receive a refund you the name and address of the credit reference and fraud prevention agencies we useare not entitled to, you must pay it back when Hitachi Capital asks you to. • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

Use of Your Information. We Credit Reference Agencies In order to process your application, we will make searches about perform credit and identity checks on you at with one or more credit reference agencies who will supply us with credit informa on, as well as informa on from the Electoral Register. The agencies will record details of the search whether or not this applica on proceeds. We may use credit‐scoring methods to assess this applica on and to verify your xxxx xx. Credit searches and other informa on which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by Omni Capital Retail Finance Limited and other companies if credit decisions are made about you, or other members of your household. This informa on may also be used for debt tracing and the preven on of money laundering as well as the management of your account. To prevent or detect fraud, or to assist in verifying your xxxx xx, we may make searches of Group records and at fraud preven on agencies who will supply us with informa on(“CRAs”). We may also pass informa on make periodic searches at CRAs to financial and other organisa ons involved in fraud preven on to protect ourselves and our customers from the and fraudmanage your account with us. If you give us false or inaccurate informa on and we suspect fraudTo do this, we will record thissupply your personal information to CRAs and they will give us information about you. Law enforcement agencies may access This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information. We will use this informa on. Weinformation to: • Assess your creditworthiness and whether you, members your financial associate(s), or your business can afford to take the product; • Verify the accuracy of the Groupdata you have provided to us; • Prevent criminal activity, fraud and other companies may use this informa on if decisions money laundering; • Manage your account(s); • Trace and recover debts; and • Ensure any offers provided to you are made appropriate to your circumstances. We will continue to exchange information about you or others at with CRAs while you have a relationship with us. We will also inform the CRAs about your address(es) on credit or credit‐related services or motor, household, credit, life or other insurance facili es. It may also be used for tracing and claims assessment. Before entering into this agreement we may search records at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. For the purposes of this applica on you may be treated as financially linked and you will be assessed with reference to “associated records”. Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agenciessettled accounts. If you borrow and do not repay in full and on metime, we may tell credit reference agencies who CRAs will record the outstanding debt. These This information may be supplied to other organisations by CRAs. When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. If you are making a joint application, or tell us that you have a financial associate or business partner, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link. The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at any of these three links. Each link will take you to the same XXXXX document: • Equifax xxx.xxxxxxx.xx.xx/xxxxx • Experian xxx.xxxxxxxx.xx.xx/xxxxx • TransUnion xxx.xxxxxxxxxx.xx.xx/xxxxx Identity verification and fraud prevention checks The personal information we have collected from you will be shared with other organisations fraud prevention agencies who will use it to prevent fraud and may money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used and searched by us and them to: Consider applications for credit and credit related services, for you and any associated person; Trace debtors, recover debts, prevent or detect money laundering and fraudthese fraud prevention agencies, and to manage your account(s) If data protection rights, can be found by visiting xxx.xxxxx.xxx.xx You can find further information about how we transfer any of our rights collect, use and du es under this agreement to any person or company, we will pass relevant disclose personal information about you by searching “privacy policy” on our website xxx.xxxxxx.xx.xx/xxxxxxxx-xxxxxxx/xxxxxxx-xxxxxx or by emailing us at XxxxxxxxXxxxxxx@xxxxxxxxxxxxxxxxxxxxx.xx.xx or calling us on 00000 000000 and requesting a copy of our “privacy policy”. Instruction to themyour bank or building society to pay by Direct Debit Please fill in the whole form using a ball point pen and send it to : Novuna Business Finance, Novuna House, To: The Manager Bank/building society Address Postcode Xxxxxx Road, Staines-upon-Thames, Surrey TW18 3HP Name and full postal address of your bank or building society Name(s) of accounts holder(s) Bank/building society account number Branch sort code Service user number Reference Instruction to your bank or building society Please pay Mitsubishi HC Capital UK PLC trading as Novuna Business Finance Direct Debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with Novuna Business Finance and, if so, details will be passed electronically to my bank/building Society. Signature(s) Date DDI BF A5 02.22 Banks and Building Societies may not accept Direct Debit Instructions for some types of account. This guarantee should be detached and retained by the payer. The Direct Debit Guarantee • This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits • If there are any changes to the account, date or frequency of your Direct Debit Novuna Business Finance will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you write request Novuna Business Finance to us collect a payment, confirmation of the amount and pay a fee date will be given to you have a right at the time of access to your information held by us. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xx xxx, XX00 0XX. You have the right ofaccess to your personal records held by credit and fraud agencies on request • If an error is made in the payment of your Direct Debit, by Novuna Business Finance or your bank or building society, you are entitled to a fee. full and immediate refund of the amount paid from your bank or building society Ȥ If you ask we will tell receive a refund you the name and address of the credit reference and fraud prevention agencies we useare not entitled to, you must pay it back when Novuna Business Finance asks you to • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

Use of Your Information. In considering whether to enter into this Agreement, We will make searches about may search Your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person with whom You have or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be Your spouse or partner (not a business partner), We may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate’s agreement to disclose their information for us to use in the manner described herein. We may also add to Your records with the credit reference agencies who will supply us details of Your agreement(s) with credit informa onUs, as well as informa on from the Electoral Registerpayments You make under it, any default or failure to keep to its terms and any change of address. The agencies will record details of the search whether or not this applica on proceeds. We may use credit‐scoring methods to assess this applica on and to verify link your xxxx xx. Credit searches and other informa on which is provided to us and/or the credit reference agencies, about you records and those with whom of your financial associate (s). These will remain on their files until you tell the agency that you are no longer financially linked financially may be used by Omni Capital Retail Finance Limited and other companies if credit decisions are made about you, or other members of your household. This informa on may also be used for debt tracing and the preven on of money laundering as well as the management of your account. To prevent or detect fraud, or to assist in verifying your xxxx xx, we may make searches of Group records and at fraud preven on agencies who will supply us with informa on. We may also pass informa on to financial and other organisa ons involved in fraud preven on to protect ourselves and our customers from the and fraud. If you give us false or inaccurate informa on and we suspect fraud, we will record agency accepts this. Law enforcement agencies may access and use this informa on. We, members of the Group, and other companies may use this informa on if decisions are made about you or others at your address(es) on credit or credit‐related services or motor, household, credit, life or other insurance facili es. It may also be used for tracing and claims assessment. Before entering into this agreement we may search records at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. For the purposes of this applica on you may be treated as financially linked and you will be assessed with reference to “associated records”. Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on me, we may tell credit reference agencies who will record the outstanding debt. These records will be shared with other organisations and may be used and searched by us Us and them in order to: Consider ● Prevent fraud and money laundering, for example by:- - checking details on applications for credit and credit-related or other facilities; - managing credit and credit related servicesaccounts and other facilities; - recovering debts that you owe and tracing your whereabouts; - checking details on proposals and claims for all types of insurance; - checking details of job applications and employee records; ● Verify Your identity ● Make decisions on credit, for you insurance and any associated personother facilities, about You, Your financial associate(s), members of Your household or Your business; Trace debtors, recover debts, prevent and ● Carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We may check Your details with fraud prevention agencies and if You provide false or detect money laundering and inaccurate information or We suspect fraud, this information may be recorded and notified to manage your account(s) If we transfer fraud prevention agencies. Law enforcement agencies may access and use this information. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for You and members of Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 0000 000 0000 if You require details of the credit reference agencies or any of our rights other agencies from whom We obtain, and du es under this agreement to any person or companywhom We pass, we will pass relevant information about you to themYou. If you write to us and pay a fee you You have a legal right of access to your information held by us. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xx xxx, XX00 0XXthese details. You have the right ofaccess to your personal records held receive a copy of the information We hold about You if You apply to Us in writing. A small statutory fee will be payable. Your data remains on file for 6 years after Our files with Your information are closed, whether settled by credit You or in default. This is a condensed version of how We deal with Your information. Further and fraud agencies xxxxxx information is provided in our Privacy Policy, which is available on payment of a feerequest, or can be found xxx.xxxxx.xx.xx/xxxxxxxxxxxxx. If you ask we will tell you You would like to make a complaint about the name services provided by Us, in the first instance, and address to allow Us to resolve any problems, please telephone Us on 0000 000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to IWOCA Limited, Complaints Team, 00 XXX XXXX XXXXXX, XXXXXX XX0X 0XX. Our complaints handling procedures can be obtained using any of the credit reference and fraud prevention agencies we useabove details. If You feel the complaint has not been satisfactorily resolved then, if You are not a business debtor, You have a right to complain to the Financial Ombudsman Service. If You are a business debtor You may have a right to complain to the Financial Ombudsman Service. The Financial Ombudsman can be contacted on 0845 023 4567 or by writing to The Financial Ombudsman Service, South Quay Plaza, 000 Xxxxx Xxxx, London E14 9SR or by email to xxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx.xx.