1. The types of information we may collect about you
2. The types of information we may disclose to third parties
3. The types of third parties to whom we may disclose information
4. How we protect the nonpublic personal information we collect about you

THE TYPES OF INFORMATION WE MAY COLLECT ABOUT YOU

We may collect nonpublic personal information about you from the following sources

1. Information we receive from you on applications or other forms, such as your name, address, telephone numbers, e-mail addresses, birth date, and social security number, income and employment history
2. Information about your transactions with our affiliated parties, others, or us such as your account balance, payment history, and your credit worthiness
3. Information we receive from your consumer credit reports or a consumer reporting agency, such as your credit worthiness, credit score or credit history
4. Representatives made by you to us, such as your employment history, your account balances and payment histories, and your relationships with other persons or Entities that you have listed as a reference

THE CATEGORIES OF THIRD PARTIES TO WHOM WE MAY DISCLOSE INFORMATION ABOUT YOU

We may disclose all of the nonpublic personal information that we collect about you, as described above to third parties that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements, such as third parties who manufacture or supply our goods and services, advertise or market our products and services, make customer satisfaction inquires on our behalf, or provide internet marketing services. We are permitted by law to disclose information about you to third parties that perform marketing agreements. We are not required to give you the opportunity to opt out such disclosures.

HOW WE PROTECT THE NONPUBLIC PERSONAL INFORMATION WE COLLECT ABOUT YOU

We take our responsibility to protect your nonpublic personal information very seriously. Whenever we collect information about you, we restrict access to your nonpublic personal information to our employees and those third parties who need the information to respond to our promotional Information we believe may help meet your needs or be of interest to you. We take appropriate measures to enforce employee responsibilities regarding our Privacy Policy. We also maintain physical, electronic and procedural safeguards to protect the confidentiality and security of the information we collect. We require any third party who receives information from us to agree to keep that information confidential and to use the information only for the purposes for which it was disclosed. We appreciate your business and the opportunity to assist you in understanding our Privacy Policy. We hope that you have found this information to be useful and appreciate the opportunity to serve you in the future.