We recognize that you entrust us with important personal financial information, and we assure you that protecting and safeguarding all of your information is one of our highest priorities.

This website does not collect personally identifiable information from your computer when you browse the site. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your e-mail address, or any other personally identifiable information. Internet Protocol (IP) Address: An IP address is a number that is automatically assigned to your computer when you browse the Internet. When users request a page from our site, our servers log the user's current IP address. We use IP addresses to help diagnose problems. We do not link IP addresses to any personally identifiable information about you.

In connection with making available loans and providing other related products and services, we may request voluntary nonpublic personal information about our individual customers. This information may include your name, address, e-mail address, social security number, account number, financial situation, credit history and other personal information.

We may collect nonpublic information about you from the following sources:

•  Information we receive on applications, forms, questionnaires, web sites, agreements or in the course of establishing a customer relationship.

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

•  Information that we receive from consumer reporting agencies.

We do not disclose any nonpublic personal information about our customers or former customers to any nonaffiliated parties, except as permitted by law.

We restrict access to nonpublic personal information about you to those employees, agents or other parties who need to know that information to provide our products or services to you. We maintain physical, electronic and procedural safeguards to guard your nonpublic personal information.

Dated: November 22, 2005