PRIVACY POLICY










Federal law requires that we give you a notice explaining how we collect and share non-public personal information
about you (Personal Information). This Notice of Privacy Policy (Notice) explains what Personal Information
we collect, with whom we share it, and how we protect it. This Notice applies to potential, current and former
customers.
What Information We Collect
We collect Personal Information about you as follows:
 Information we receive from you from applications and forms you complete. Examples are your name,
address, Social Security Number and income.
 Information we receive from non-affiliated third parties from your transactions with them. Examples
include account balances, payment history, employment status, and the existence of insurance.
 Information we or our affiliates have about you from your transactions with us and our affiliates.
Examples include account balances, payment history, and the names of parties to your transaction(s).
Information we receive from consumer reporting agencies. Examples include the name of your creditors,
whether you have made late payments and what debts you paid off (information in your credit file).
What Information We Share and With Whom
We may share some or all of the Personal Information about you that we collect as follows:
 With financial service providers. We may share some or all of the Personal Information with financial
service providers, such as banks, finance companies and insurance agents. We may make such disclosures
about you as a consumer, customer, or former customer.
 With non-financial companies.
 We may share some or all of the Personal Information with non-financial
companies, such as retailers, warranty and service contract providers. We may make such disclosures
about you as a consumer, customer, or former customer.
 With companies that perform services on our behalf and with whom we have a joint marketing
agreement. We may share some or all of the Personal Information with companies that perform services
for us or act on our behalf, such as a marketing company that sends you information about our products.
We may also share some or all of the Personal Information with other financial institutions with which we
have joint marketing agreements, such as a bank. A joint marketing agreement is an agreement between us
and a financial institution so that we can offer you a product together, such as a private label credit card.
The information we may share with these companies includes your name and address, and can consist of
other Personal Information. We may make such disclosures about you as a consumer, customer, or former
customer.
 With other non-affiliated third parties. We may share some or all of the Personal Information with nonaffiliated
third parties as permitted by law. We may make such disclosures about you as a consumer,
customer, or former customer.

 With affiliates. There are two categories of Personal Information. One is information about your history
of dealing with us, such as identification information, account history and balances, insurance coverage and
payment history (Transaction Information). The other is information we receive from other sources,
including information from your credit report (Credit Information). We may share Credit Information
and Transaction Information with our affiliates. We may make such disclosures about you as a consumer,
customer, or former customer.

How We Safeguard Personal Information
Only employees who need to know Personal Information to perform their job duties are authorized to access this
information. In addition, we maintain physical, electronic and procedural safeguards to protect Personal
Information about you.