Disclosure Notice of Non-Public Personal Information.

We are required by federal law to inform you that our company gathers and stores nonpublic personal & finanacial information of potential, current and former consumers and customers. This information is used in order to serve you in an efficient and timely manner.

At times, we disclose your nonpublic personal information with affiliates and nonaffiliated third parties as necessary to effect, administer or enforce our transactions with you. We may also share all of this information with companies such as financial lending institutions, credit bureaus and non-financial institutions, retailers and direct marketers or non-profit organizations. These companies are required to contractually agree to keep your information confidential. The information collected may include information obtained from you on applications or other forms such as your name, addresss, social security number, assets and income or from affiliated companies such as payment history and other transactions, consumer reporting agencies or other third parties to whom you have given your consent.

To ensure limited access to your nonpublic information within our company, we have physical, electronic and procedural safeguards in place. These include: limited access to information storage areas, electronic password and security codes required to access computer information, and requirements for third parties to contractually comply with privacy laws.