Dear Valued Customer:
Our company respects your concern for privacy. Our goal is to respond to your inquiries, to provide better customer service, and to provide products, services and other promotional information that you request and that we believe may help meet your needs or be of interest to you. However, we recognize that we have an important responsibility to protect the privacy and security of the nonpublic personal information we collect from you. Therefore, we want you to understand our information sharing practices and for you to know that they are designed to ensure the confidentiality of your information.

THE TYPE OF INFORMATION WE COLLECT
The type of information that we collect depends upon the product or service that we are providing to you or that you are asking about. We collect
information that you provide to us on applications and other forms; information about your transactions with us, our affiliates, or others; and
information that is provided to us by third parties including credit reporting agencies, individual referenced services public record data bases and other recognized providers of nonpublic personal information.

The information we collect may include identifying information such as your name, address, birth date, social security number, email address and
other information on how to contact you; your credit worthiness, credit score and credit history; as well as transaction information such as account
activity and loan terms. We may also collect financial information such as your income, assets and employment status; information about your spouse or dependents; and/or certain demographic information. If you apply for an insurance product, we may collect limited health information on your application.

HOW WE TREAT THE INFORMATION
Our company is committed to the security and confidentiality of your non public personal information. We do not disclose, nor do we reserve the
right to disclose, any nonpublic personal information about our customers or former customers to anyone, except as authorized by you or as otherwise permitted by law. In addition to reasonable physical, procedural and electronic security measures, our security practices include limiting access to this information to those employees and business associates with appropriate authority and for intended business purposes only. We explain the importance of protecting your nonpublic personal information to our employees and take appropriate measures to enforce employee responsibilities regarding our Privacy Policy.

We do not disclose health information for marketing purposes. We disclose health information to affiliates or nonaffiliated third parties only to underwrite or administer your account or claim, or as otherwise permitted or required by law or court order. We require any third party who receives information about you from us to agree to keep that information confidential and to use the information only for the purposes for which it was disclosed.

DISCLOSURES TO AFFILIATED ENTITIES
We may share the information we collect, as listed above, with affiliated entities. You have a right to prevent the sharing of information, except for the sharing of information relating solely to your transactions with us (such as your payment history) or our experiences with you. If you do not want us to share this information with our affiliates, please call us and speak to us about it. Our contact information can be found by clicking the contact us button at the top of this page.

DISCLOSURES TO NON AFFILIATED ENTITIES
We may share the information we collect, as listed above, to nonaffiliated third parties for the purpose of offering products and services that may be of value to you. Organizations that may receive your information include, but are not limited to: financial institutions such as motor vehicle lenders or lessors, mortgage brokers and insurance agents; non-financial companies, such as retailers, publishers and direct marketers; providers of after-market products such as Guaranteed Automobile Protection products, warranties and service contracts; and others such as trade associations and nonprofit organizations. In addition, we may disclose certain information to affiliates and nonaffiliated third parties, as applicable and as permitted or required by law or court order. We will disclose such information only with organizations that agree to treat it confidentially and to use it only for the purposes intended. If you do not want us to disclose information for these purposes, please call us and let us know. Our contact information can be found by clicking the contact us button at the top of this page.

We typically will retain your personal information for a period of time after the end of a customer relationship. In some cases we may be required, by law or industry standard, to retain certain information for a specified period of time. We maintain the same standards of privacy for all consumers and customers, both current and former.

A FINAL WORD
We are permitted by law to disclose information about you to third parties that perform marketing services on our behalf and/or to other financial institutions with which we have joint marketing agreements. We are not required to give you the opportunity to opt out of such disclosures. Because your trust and confidence in our company matters to us, we are committed to keeping you informed about our privacy practices and your rights. By using information, we are able to deliver products and services that meet your needs. Therefore, it may be necessary for us to periodically review and update our privacy practices in order to provide the best service.

Although you will receive multiple copies of this notice over time, you only need to notify us once per account of your information sharing preference. If you have any questions regarding your rights or the contents of this notice, please call us. You will find information on how you may contact us by clicking on the contact us button at the top of this page.

CUSTOMER CHOICE
We have built our business on a foundation of integrity, honesty and trust. These values are reflected in our commitment to protect your privacy. In order to provide the kind of service that you deserve, we will from time to time have reason to share your personal nonpublic information with those affiliated and/or nonaffiliated third parties that we do business with. However, you may opt to prohibit this sharing of information, except as otherwise provided by or required by state or federal law or court order.