We collect non-public personal information about you as a consumer, customer, or former customer from the following sources:

Information we receive from you on applications, loan documents, sales documents, or other forms:

Information about your transactions with us, our affiliates, or others.

Information we receive from a consumer reporting agency.

We may disclose the following kinds of non-public personal information about you as a consumer, customer, or former customer:

Information we receive from you on applications or other forms, such as your name, address, social security number, income and debts:

Information about your transactions with us, our affiliates, or others, such as your account balance and payment history; and

Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

We may disclose non-public personal information about you as a consumer, customer, or former customer to the following types of affiliated and/or non-affiliated third parties:

Financial service providers, including consumer reporting agencies, finance companies, other credit grantors, or insurance agents; or

Non-financial companies, such as direct marketers.

We may also disclose non-public personal information about you as a consumer, customer, or former customer to other affiliated or non-affiliated third parties as permitted by law.

We restrict access to non-public personal information about you as a consumer, customer, or former customer to those employees who need to know that information to provide products or services to you. We maintain safeguards which restrict access to your non-public personal information.

If you prefer that we not disclose non-public personal information about you as a consumer, customer, or former customer to non-affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law).