DISCLOSURE OF PRIVACY POLICY AND PRACTICES

In order to ensure the safeguarding of private customer information by financial institutions, the federal government enacted the Financial Services Modernization Act in 1999 (also known as "G-L-B" or "The Privacy Act").  This company is considered a financial institution under the Act and provides this notice to you as required by the Act. The purpose of this notice is to explain what information about you the company wishes to receive from you and other parties and explain how and with whom the company may share this information.

To assist you in acquiring financing for the purchase or lease of a motor vehicle, the company may collect particular non-public personal information from you and/or other parties including but not limited to information you provide on a credit application or other form, information about your transactions with our company and our affiliates and information we receive from consumer reporting agencies.

During our relationship, and in the normal course of business, the company may disclose the following kinds of non-public personal information about you to our affiliates and to non-affiliated third parties; information received from you on applications or other forms (such as your name, address and vehicle information), information about your transactions with our company and our affiliates (such as account balance and payment activity) and information from a consumer reporting agency such as your credit history.

The company may disclose non-public personal information about you to the following types of third parties; financial service providers (such as banks, credit unions or other entities that provide credit services). non-financial companies (such as vehicle manufacturers, recovery agencies, consumer reporting agencies, governmental agencies and check guaranty providers) and businesses that perform marketing services on the company's behalf or other financial institutions with whom the company has a joint-marketing agreement.

The company restricts access to all information collected about you, including your non-public personal information, to those employees who need to know such information in order to provide products and/or services to you. The company maintains physical, electronic and procedural safeguards that comply with federal and state regulations to safeguard your non-public personal information.