Gramm-Leach-Bliley Privacy Notice

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income
• Credit scores and employment information
• Credit card or other debt

For our everyday business purposes—

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes—

to offer our products and services to you

For our affiliates’ everyday business purposes—

information about your transactions and experiences

For our affiliates’ everyday business purposes—

information about your creditworthiness

Please note:

If you are a new consumer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our consumer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

We collect your personal information, for example, when you

• give us your contact information or give us your income information
• provide employment information or apply for a loan
• provide your mortgage information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes –information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Non-affiliated we share with can include financial service providers such as consumer banks, credit card companies, mortgage companies, insurance companies and companies offering financial and credit products or services; or nonfinancial companies such as technology, health, entertainment, retailers, direct marketing companies, and non-profit organizations.

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include financial service providers such as consumer banks, credit card companies, mortgage companies, insurance companies and companies offering financial and credit products or services.

California residents: If you are a California resident and we share information with affiliates, or if we have entered into joint marketing agreements with nonaffiliated financial companies, we have separately provided you with a California Privacy Notice. In accordance with California law, we will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent. We will limit sharing among our companies to the extent required by California law. If you are a new consumer, we can begin sharing your information 45 days from the date we sent this notice.

Vermont residents:

• We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.