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Our company takes seriously the protection of your personal and financial information. Our goal is to respond to your inquiries and to provide products, services and other information you request. This Information Sharing Policy explains: The types of information we may collect about you; the types of information we may disclose to third parties; and how we protect the nonpublic personal information we collect about you.

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

• Information we receive from you on applications or other forms, such as your name, address, telephone numbers, e-mail address, birth date, social security number, income, and employment history.
• Information about your previous transactions with us or others, such as your account balances, payment history, and your credit worthiness.
• Information we receive from your consumer credit reports, such as your credit score and credit history.
• Representations made by you to us, such as your employment history, account balances, payment history, and your relationships with other persons or entities that you have listed as references.
• Information we collect or that you provide to us when you visit our web site, such as your name, address, telephone numbers, and e-mail addresses. If you request e-mail contact from us or send us e-mail, we may retain your e-mail address and the messages themselves; we may also utilize "cookies" in connection with our web site. A "cookie" is an online device used to track traffic patterns and usage and to provide you with more customized service by identifying you as a user, which may prevent you from having to enter information repeatedly. Cookies are often used online and do not harm your computer, nor do they identify you by name or address unless you have provided the information or set up your computer to do so. You have the option of programming your computer to prevent a cookie from being accepted.

The types of information we may disclose

• We may disclose all of the nonpublic personal information that we collect about you as a consumer, customer, or former customer to third parties as permitted by law.
• We may also disclose the nonpublic personal information we collect about you to third parties that perform services on our behalf or in connection with the products and services we sell or to other financial institutions with whom we have joint marketing agreements, such as third parties who: manufacture, supply, or administer the goods and services, including insurance products, warranties and extended service contracts; provide vehicle maintenance and repair; advertise or market the products and services; make service and customer satisfaction inquiries on our behalf; or provide other related marketing services, We are permitted by law to disclose information about you to third parties that perform such services and/or to other financial institutions with whom we have joint marketing agreements. We are not required to give you the opportunity to opt out of 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 your inquiries, to provide better customer service, and to provide products, services and other information you request. 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 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 about you from us to agree to keep that information confidential and to use the information only as permitted by law.