By explaining our privacy policy to you we trust that this notice will allow you to better understand how we keep certain information private and secure while using it to serve you better. This notice is provided to you as required by the Federal Privacy Law and refers to our policies and practices effective on and after July 1, 2001.

We take seriously our responsibility to respect the confidentiality and security of nonpublic personal information - called "Consumer Information" in this notice. Our policy calls for safeguards to protect Consumer Information only by those who need access to do their work. The same holds true for our affiliated companies, which are companies that, now or in the future, we own (or control), or are owned (or controlled) by. or are under common ownership (or control) with. We also may maintain, as required by applicable federal regulations, physical, electronic, and procedural safeguards to guard your nonpublic personal information.

WHO IS COVERED BY THE PRIVACY POLICY: REVISIONS TO THE POLICY

Our privacy policy applies to individuals (and their legal representatives) who are our consumers or customers in connection with financial services primarily for personal, family, or household purposes, such as leases, installment purchases of vehicles and insurance. It covers both current and former customers and treats them the same.

This notice also describes the privacy policy of our affiliated companies, except as stated in separate notices they give you. Consumers who transact financial services business with us but who do not seek financial services from us are not covered by our privacy policy of this notice. We reserve the option of revising this notice and our privacy policy from time to time, but we will give you notice of the revised policy before disclosing Consumer Information about you other than as described in this notice.

Information We Collect

• We collect and use information about you from various sources. The amount and nature of the information collected and used varies from transaction to transaction, but the information described in the following five types:
• Information from you. Information you provide to us on applications, other forms, and by other means, such as your name, address, social security number, assets, income, and debt;
• Information from our experience and our affiliated companies' experiences. Information about your transactions and account experience with us or our affiliated companies, such as parties to transactions, contract or lease balances, payment history, and communications an correspondence;
• Information from the experience of other parties. Information from other outside sources regarding their employment, credit of other relationships, account experience, or transactions with you, or verifying representations made by you, such as you employment history, credit balances, or your property or liability insurance coverage.
• Information from credit reports. Information supplied by consumer reporting agencies, such as information regarding your creditworthiness or credit history;
• Other general information. Other general information we obtain about you (such as demographic information) that is not assembled for the purpose of determining your eligibility for credit, insurance, employment or other products or services.

SHARING INFORMATION WITH AFFILIATED COMPANIES

We may disclose to our affiliated companies all of the information we collect about you as described in each of the five categories above. Our affiliated companies can be financial service providers such as leasing companies, insurance companies and payment processing companies and non-financial companies such as automotive repair facilities and data processing companies. This sharing permits us to give you superior service, make a wider range of products nonaffiliated third parties, other than described below under "Sharing Information for Legal and Routine Business Reasons and for Joint Marketing." Where they apply, we reserve limits and restrictions set by law as to sharing certain kinds of information with our affiliates. For example, unless you authorize the sharing, we do not disclosure credit worthiness information about you from credit reports.