Annual Privacy Notice In connection to your pre-approval application, we may obtain personal nonpublic information about you that is handled as follows: 1. We collect personal nonpublic information about you from the following sources: Information we receive from you on an application for credit or other similar forms: Information about your transactions with us and others; and Information we receive from a consumer-reporting agency. 2. Our policy is only to disclose your personal information to only those companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. 3. We do not disclose any nonpublic information about you to anyone, except as permitted by law. 4. Further, we restrict access to your nonpublic personal information to only our employees who need to know that information to provide products or services to you. Our employees cannot use your information to any other purpose. We maintain physical, electronic, and procedural safegaurds that comply with federal regulations to gaurd your nonpublic personal information.

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