By explaining our privacy notice to you, we trust that these policies will allow you to better understand how we keep certain information private and secure while using it to serve you better. This notice is provided to you as required by the Government Privacy Law and refers to our policies and practices effective on and after February 1st 2008.

The notice explains the following:

- Protecting the confidentiality and security of consumer information
- Who is covered by the Privacy Policy? Revisions to the policy
- The types of information we have about you and where it comes from

PROTECTING CONFIDENTIALITY AND SECURITY OF CONSUMER INFORMATION

We take seriously our responsibility to respect the confidentiality and security of nonpublic personal information - called "Consumer Information" in this notice. Our policy calls for safeguards to protect consumer information only by those who need access to do their work. The same holds true for our affiliated companies, which are companies that, now or in the future, we own (or control), or are owned (or controlled) by, or are under common ownership (or control) with us. We also may maintain, as required by applicable federal regulations, physical, electronic, and procedural safeguards to guard your nonpublic personal information.

WHO IS COVERED BY THE PRIVACY POLICY?

REVISIONS TO THE POLICY

Our privacy policy applies to individuals (and their legal representatives) who are our consumers or customers in connection with financial services. It covers both current and former customers and treats them the same.

This notice also describes the privacy policy of our affiliated companies, except as stated in separate notices they give you. Consumers who transact financial services business with us but who do not seek financial services from us are not covered by our privacy policy or this notice. We reserve the option of revising this notice and our privacy policy from time to time, but we will give you notice of the revised policy before disclosing consumer information about you other than as described in this notice.

INFORMATION WE COLLECT

We collect and use information about you from various sources. The amount and nature of the information collected and used varies from transaction to transaction, but the information described in the following two types:

1. Information from you. Information you provide to us on applications, other forms, and by other means, such as your name, e-mail ID, and contact numbers.

2. Other general information. Other general information we obtain about you (such as demographic information) that are not assembled for the purpose of determining your eligibility for credit, insurance, employment or other products or services.

SHARING INFORMATION WITH AFFILIATED COMPANIES

We may disclose to our affiliated companies all of the information we collect about you as described in the two categories above. Our affiliated companies can be financial service providers such as leasing companies, insurance companies and payment processing companies and non-financial companies such as automotive repair facilities and data processing companies. This sharing permits us to give you superior service, make a wider range of products available, and operate our business more effectively. We do not share information with nonaffiliated third parties, other than described below under "Sharing Information for Legal and Routine Business Reasons and for Joint Marketing". Where they apply, we reserve limits and restrictions set by law as to sharing certain kinds of information with our affiliates.