Please read and push the button at the end of this statement to continue to Credit Application.

We are committed to your financial well-being, and protecting the privacy and security of the information you share with us is included in that commitment.  You trust us with your personal and financial information, and we’ll honor that trust by handling your information carefully and sensibly.  This notice will help you understand how we safeguard and use information.

Congress recently passed the Gramm-Leach Bliley (GLB) Act, which deals in part with how financial institutions treat nonpublic personal financial information.  This company and its affiliates have always been committed to maintaining customer confidentiality.  We appreciate this opportunity to clarify our privacy practices for you as a result of this new law.

  As part of our business, we obtain certain “nonpublic personal financial information” about you, which for ease of reading we will refer to as “information” in this notice.  This information includes information we receive from you on applications or other forms, information about your transactions with us, or our affiliates, and information we receive from a consumer-reporting agency.

  We restrict access to the information to authorized individuals who need to know this information to provide service and products to you.

  We maintain physical, electronic, and procedural safeguards that protect your information.

  We do not disclose this information about you or any former customers to anyone, except as permitted by law.

  Employees share this information outside this company only as authorized by you or for a specific business purpose.

  The law permits us to share this information with our affiliates.

  The law also permits us to share this information with companies that perform marketing services for us, or other financial institutions that have joint marketing agreements with us.

We may also share other types of information with our affiliates.  This information may be financial or other personal information such as employment history and it may not be directly related to our transaction with you.  Consistent with the Fair Credit Reporting Act, our standard authorizations permit us to share this information with our affiliates.

Internet Privacy Practices

     Our privacy statement explains how we use and share information about you as we provide financial products and services.  But because of the unique nature of Internet interactions, there is some additional information you should know when you visit our site.  This notice describes our Internet-specific policy and supplements our Privacy Statement.

Information Collection and Use

     The information we learn from you as you use this .com site helps us personalize your online experience and continually improve your overall experience with us.

There are several types of information we gather:

       Information You Give Us: We use the information you enter into our website to help us when we respond to your requests, when we’re improving our site to make it more responsive to customer needs, and when we customize our features/advertisements to meet your needs.

       Email Addresses:  If you supply us with your email address, we may let you know by email about other products and services and product enhancements that may be of interest to you.

Information We Collect Automatically:

        Cookies: You’ll notice this term used across the Internet to describe a small piece of information sent by a web server to be stored on a user’s Internet browser.  This site may use “cookies” to help us recognize you and better serve you when you visit our site.  We use them for site personalization, web tracking and online ordering.  We do not use cookies to get data from your hard drive or to get your email address or personal identifying information.  Most browsers can be configured to inform you when cookies are set or to prevent cookies from being set.  Please note, however, that by not accepting cookies you may limit the functionality we can provide when you visit our site.

        IP Addresses:  When you enter this web site, you pass through a “firewall” we use for security purposes.  As you pass through it, we identify the Internet Protocol (IP) address associated with the device you’re using, such as a personal computer or handheld device.  The IP address does not identify you personally, but it does allow us to identify the device you’re using.  We store IP addresses in case we ever need to track a connection to its point of origin for security reasons.

        Third Party Service Providers on the Internet:  Occasionally you will notice on the web site that services are ”Powered by” or “Developed and Maintained by” content providers or technology service partners.  We contract with these providers to help us serve you better.  We’re highly selective in choosing these companies, and they are only allowed to use your information for the purpose of providing the services we’ve contracted with them to provide.

You do not need to call, or do anything as a result of this notice.  It is meant to inform you of how we safeguard your non-public personal financial information.  You may wish to file this notice with your lease and/or loan papers.

We value our relationship with you and strive to earn your continued trust.

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