Privacy Notice

We are committed to providing you with quality products and superior service. We understand that service begins with trust. As a customer you provide us with private information. We believe private information to mean nonpublic personally identifiable information about you as a consumer and customer or former customer with us. You expect that we will carefully protect this information. We take this responsibility seriously. This notice explains how we will accomplish this important obligation while continuing to provide you with a wide variety of products and services that may help you meet your goals.

This Privacy Notice contains important privacy information. It forms a part of our Privacy Policy, a copy of which is available by writing to the address listed in this notice. This Privacy Policy describes how we may now or may someday later treat nonpublic personal information about you as our customer. We may change our practices in this area from time to time.

Information That We Collect

We collect and use various types of information to service your accounts. When you become a customer we collect nonpublic personal information about you from the following sources:

- Information we receive from you on applications or other forms; - Information about your transactions or experience with us, our affiliates, or others; - Information we receive from a consumer reporting agency or from customer lists we acquire; - Information we receive from other outside sources regarding your credit or other relationships in order to verify information that you have provided to us; and - Other general information we obtain about you that is not collected for the purpose of determining your qualification for credit, or other product or service that you have requested.

We use this information to help us administer and process your transactions and provide products, services and other opportunities that you may need. It is our policy to collect only that information we need for specific business purposes and work to maintain accurate information about our customers.

Information That We Disclose

We may disclose all of the information that we collect, as previously described.

Parties to Whom We Disclose Information

We may disclose nonpublic personal information about you to affiliates within our corporate family of financial services providers, such as our banking institution, finance company or servicing company. We limit this type of information sharing among affiliates to information about your transactions or experiences with us and other information permitted by the Fair Credit Reporting Act.

We may disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. For example, we may respond to lawful subpoenas or communicate with credit bureaus. We may also provide information to a company in order to complete a transaction that you initiated or provide information to a company at your request.

Disclosures in Joint Marketing and Servicing Arrangements

In order to offer you a wide variety of related products and services, we may disclose information we collect, as described above, to non-affiliated companies that perform marketing services on our behalf or on behalf of us and another company, with whom we have joint marketing agreements. We limit this type of information sharing with non- affiliates to information about your transactions or experiences with us and other information permitted by the Fair Credit Reporting Act.

Former Customers

If sometime in the future you cease to be a customer the policies described in this notice will continue to apply to you. This means we may share your information as described in this notice.

Confidentiality and Security

We restrict access to nonpublic personal information about you to only those employees who have a business reason to access such information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We also periodically update and test the data processing systems and assure the integrity of the information. When we share information with nonaffiliated companies in order to offer you products and services, we require these companies to maintain standards for safeguarding your information.

We train and educate all employees and independent contractors on the importance of confidentiality and protecting customer privacy. We also train employees and independent contractors to safeguard private information from being released accidentally or released to individuals that may fraudulently attempt to obtain the information.

Keeping You Current

Protecting your private information is a responsibility we take seriously, and we value the trust you have placed in us. If you have any questions about this notice you may contact our offices at anytime by calling (808) 662-0444. If you would like a copy of our complete Privacy Policy, you may write to us at:, PO Box 786, Boyes Hot Springs, California 95416.

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