We respect your privacy and hold it in the highest regard. Please take a moment and read over our Privacy Statement.

Introduction
We understand your expectations for privacy and security with respect to your personal financial information. The following privacy policy is designed to inform you of the types of information that we collect from our customers, along with how we use that information, and the circumstances under which we will share it with third parties.

We Respect Your Privacy
We respect your privacy and are committed to treating your information responsibly. We believe many consumers appreciate receiving offerings of products and services that may be useful to them. At the same time, we understand the need to safeguard sensitive information that you have provided to us, and that you expect privacy and security for your personal and financial affairs.

Information Sharing Permitted By Law
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law. For example:
- In response to a subpoena;
- When you authorize us in writing to disclose to a third party from whom you wish to receive a service or product;
- When we share information about experiences and transactions with you with one of our affiliates.

Our Former Customers
After you are no longer a customer of ours, we will continue to treat your nonpublic personal information as if you were still our customer.

Maintenance of Accurate Information
We have established procedures designed to ensure that your nonpublic personal information is as accurate and complete as possible, and is in accordance with reasonable commercial standards. If you believe that our records contain inaccurate or incomplete information about you, please notify by calling 1-386-671-7103. We will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

Confidentiality and Security
We restrict access to nonpublic personal information to employees who use this information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We appreciate your business and want you to understand our commitment to maintaining the privacy of your nonpublic personal information, as expressed in this Privacy Policy. This Privacy Policy applies only to individual consumers. This Privacy Policy is effective as of August 26, 2005. We reserve the right to amend the policy at any time. If you have questions about this Privacy Policy, please contact our compliance department at the phone number or address above.