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PRIVACY POLICY

  In accordance with federal regulations we are giving
  you this Privacy Policy to tell you how we may use
  non-public information (“Private Information”) about
  you. The kinds of Private Information we collect
  about you are described below. This Privacy Policy applies
  whether you are our current or former customer. This
  Privacy Policy is provided to you as required by
  federal laws and regulations applicable to our
  business. This Privacy Policy does not amend to
  alter our obligations under any applicable state or local
  laws, regulations or ordinances.

  Collection and Use of Private Information
  We may collect the following kinds of Private
  Information about you from the following sources:

* Information you provide on applications,
  forms, or other correspondence, such as your
  name, address, social security number and income.

* Information about your transactions with us or
  others, such as your account balance and payment
  history.

* Information we receive from consumer reporting
  agencies, credit references, employers, insurance
  companies and insurance agencies, such as your
  credit history and creditworthiness, and information that
  we obtain to verify employment history or that
  insurance coverage is in force.

  Protection of Information
  We restrict access to your Private Information to
  our employees and interested third parties who need to
  know that information in order to service your
  application. Additionally, we maintain physical,
  electronic, and procedural safeguards to protect
  your Private Information in a manner consistent with
  industry standards for similar companies. We will
  review your safeguards from time to time, and strive
  to maintain them in a manner consistent with federal
  regulations that may be in effect from time to time.