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Effective Date: August 12, 2025

Consumer Financial Privacy Notice

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 transaction history
  • Payment history and credit history
  • Employment information and assets
  • Wire transfer instructions and investment experience

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 Bark chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Reasons we can share your personal informationDoes Bark 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 bureausYesNo
For our marketing purposes — to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates' everyday business purposes — information about your transactions and experiencesYesNo
For our affiliates' everyday business purposes — information about your creditworthinessNoWe don't share
For our affiliates to market to youNoWe don't share
For nonaffiliates to market to youNoWe don't share

Who we are

Who is providing this notice?

This notice is provided by Bark Finance, LLC and its affiliates, including Bark Securities LLC, on behalf of the following entities:

  • Bark Finance, LLC
  • Bark Securities, LLC (SEC-registered investment adviser)
  • Piermont Bank (Member FDIC) - for banking services

What we do

How does Bark 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. We also maintain physical, electronic, and procedural safeguards to protect this information, and we limit access to information to those employees for whom access is necessary to provide products and services to you.

How does Bark collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or deposit money
  • Apply for a corporate card or use your card
  • Make a wire transfer or pay bills
  • Provide account information or give us your contact information
  • Link accounts from other financial institutions

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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

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.

Our affiliates include Bark Securities, LLC and other companies under common control of Bark Finance, LLC.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Bark does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include financial services companies, payment processors, and corporate card networks.

Other important information

For California Residents

In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your written consent or to service your account. We will limit sharing among our companies to the extent required by California law.

For Vermont Residents

In accordance with Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, except as permitted by law, including, for example, with your written consent or to service your account.

For Nevada Residents

We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by calling 1-888-BARK-FIN, or by writing to us at Bark Finance, Attn: Privacy Team, [Address].

For more information, contact us at the address above, or email privacy@bark.finance. Nevada law requires that we also provide you with 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: 702-486-3132; Email: BCPINFO@ag.state.nv.us.

Updates to This Notice

We may update this notice from time to time. When we do, we will post the revised notice on our website and notify you as required by law. The effective date at the top of this notice indicates when it was last revised.

This Consumer Financial Privacy Notice was last updated on August 12, 2025. This notice is provided pursuant to the Gramm-Leach-Bliley Act (GLBA) and applicable state laws.

Disclaimers and footnotes

Bark operates as a financial technology company and is not a bank insured by the FDIC. Piermont Bank, Member FDIC, provides all banking services. FDIC deposit insurance protects deposits in the event of an insured bank's failure.

Piermont Bank, Member FDIC, issues Bark Corporate Cards under licensing agreements with Mastercard®.

As a financial technology company, Bark partners with Piermont Bank, Member FDIC, to offer checking and savings accounts. While Bark itself is not FDIC-insured, deposits held at our partner bank are protected by FDIC insurance against bank failure. Sweep network banks may hold portions of your deposits. Pass-through FDIC insurance applies when specific conditions are met.

Piermont Bank, Member FDIC, issues Corporate Expense Cards through its Mastercard® license. Monthly repayments trigger automatic cashback credits to your designated checking account. Partial or early payments earn proportional cashback rewards. Account closure or terms violations may result in cashback forfeiture. Program terms are subject to modification with notice via email or website updates. For expense card inquiries, contact help@bark.finance.

Bark Securities, LLC, a registered investment adviser with the SEC, manages Bark Treasury with targeted annual net returns reaching 4.27% on uninvested cash balances. Yield figures current as of 08/12/2025, based on aggregate Bark deposits exceeding $20M.

Bark Securities, LLC, registered with the SEC as an investment adviser, provides advisory services for Treasury accounts. IBKR, a FINRA/SIPC member and registered broker-dealer, maintains custody of these accounts. FDIC insurance does not cover Treasury accounts. Consult the ADV Wrap Fee Brochure for comprehensive details regarding Bark Securities' advisory services.

Historical performance data presented represents limited time periods and should not be interpreted as predictive of future results. Investment returns fluctuate and cannot be guaranteed. Risk of loss exists for all investments, including potential loss of principal amounts invested. No assurance exists that any account will replicate illustrated profits or losses. Individual returns depend on numerous personal and market factors. Evaluate your financial objectives and program costs prior to investing. Past performance does not predict future outcomes.

While we consider our information sources reliable, we cannot guarantee their complete accuracy. This material does not constitute an offer to sell or solicitation to purchase securities. Its sole purpose is to gauge interest in Bark Treasury and provide background on our algorithmic investment approach. The Firm has compiled this information from sources deemed trustworthy, though absolute accuracy and completeness remain unverified.

Forward-looking statements within this document can be recognized by terminology including "believe," "expect," "anticipate," "should," "planned," "estimated," "potential," and comparable expressions.

Forward-looking statements encompass projections regarding financial status, operational results, and investment strategy performance. Multiple variables influence outcomes, including economic conditions at local and national levels, competitive dynamics, interest rate movements, regulatory and legislative developments, and technological, governmental, and market factors. These elements may cause substantial deviation between actual and projected results.

Target return figures represent performance objectives the Firm aims to achieve within specified timeframes. These projections indicate expected performance capabilities of our investment services. We present target returns to communicate risk management parameters for Bark Treasury and assist investors in portfolio allocation decisions. Such targets constitute neither guarantees nor commitments regarding future performance.

FDIC insurance does not apply to Bark Treasury. These products do not constitute deposits or obligations of Piermont Bank, nor does Piermont Bank guarantee them. Investment risks apply to all Bark Treasury products, with potential for principal loss.