1. We collect non-public personal information about you from the following sources:
   1. Information we receive from you on applications or other forms;
   2. Information about your transactions with us, our affiliates or others; and
   3. Information we receive from a consumer-reporting agency.
2. We may disclose all of the information that we collect about you as described above, while you are a consumer, customer, or former customer, to our affiliates and to non-affiliated third parties.
3. We may disclose non-public personal information about you, while you are a consumer, customer, or former customer to the following types of third parties:
   1. Financial service providers, such as, but not limited to TFS/LFS
   2. Non-financial companies, such as, but not limited to, market research firms and automobile manufactures.
4. We may also disclose non-public personal information about you to non-affiliated third parties as permitted by law.
5. If you prefer that we do not disclose non-public personal information about you to non-affiliated third parties, you may opt-out of those disclosures; that is you may direct us not to make those disclosures (other that permitted by law). If you wish to opt-out of disclosures to non-affiliated third parties, you may sign the opt-out line at the bottom of this notice.
6. We may also disclose, while you are a consumer, customer, or former customer, any information we collect about you to companies that perform marketing services on our behalf or to financial institutions with whom we have joint marketing agreements. Law permits this disclosure; therefore, there is no opt-out opportunity available.
7. We may disclose non-public personal information about you, while you are a consumer, customer, or former customer, to the following types of affiliates:
   1. Financial service providers, such as, but not limited to TFS/LFS
   2. Non-financial companies, such as, but not limited to, market research firms and automobile manufactures.
8. We may restrict access to non-public information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulation to guard your non-public personal information.

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