Our top priority is to provide you, our customer, with outstanding products and services. To achieve this goal, we must collect, maintain and use certain personal and financial information. We recognize and respect your privacy concerns and expectations about this information. We want you to know about our privacy policies and practices.

Collection and Use of Customer Information

We collect, retain and utilize information about you to operate our business and to make products, services and other opportunities available to you. We obtain information in a variety of ways (for example, directly from you in applications, from your transactions or experiences with us, or our affiliates, and from credit bureaus and other third parties). Also, when you visit our web site, we collect information to measure the use of our site and to improve the content of our site.

Disclosure of Information

We do not sell your name and address to third parties for their independent use. Disclosure may occur under certain situations, including:

With our Affiliates.

We may share information about your account, account history, credit report and application information with other affiliated companies within our corporation to provide you with the products and services they offer. If you do not want the information contained in an application or credit report shared with our affiliates, please advise us in writing.

With Third Parties

Third parties that assist us in providing products, services and support are contractually bound not to utilize shared information for their independent use. Information is shared with third parties in accordance with the following guidelines:

To complete transactions that you have initiated

To other recipients of combined statements

Whenever required by law

To others with your consent

To provide you with additional products or services we wish to offer

To assist in providing operational, marketing, or advertising support

To exchange information with credit information agencies, merchants or financial institutions in accordance with standard banking industry practice

Maintenance of Accurate Information

We have established procedures to correct inaccurate information in a timely manner. If you have any reason to believe that your personal information is incorrect, we should be contacted in writing. We will investigate the situation and, when appropriate, update our records accordingly.

Protection of Information

We maintain appropriate procedures to protect the security of your information. Employees receive training and understand the importance of confidentiality and customer privacy.