Collection & Use Of Private Information

We may collect the following kinds of Private Information about you from the following sources:

• Information you provide on applications, forms or other correspondence, such as your name, address, social security number and income
• Information about your transactions with others, such as your account balance and payment history
• Information we receive from consumer reporting agencies, credit references, employers, insurance companies and insurance agencies, such as your credit history and creditworthiness, and information that we obtain to verify employment history or that insurance coverage is in force

Protection Of Information

We restrict access to your Private Information to our employees and third parties who need to know that information in order to service your account. Additionally, we maintain physical, electric, and procedural safeguards to protect your Private Information in a matter consistent with industry standards for similar companies. We will review our safeguards from time to time, and strive to maintain them in a manner consistent with federal regulations that may be in effect from time to time.

Disclosure Of Private Information

We may disclose Private Information (described above) under the following circumstances:

• To Marketing Service Providers of Minuteman Volkswagen and joint Marketing Partners. We may disclose all Private Information to companies that perform marketing services for us or to other financial institutions with which we jointly market financial products or services
• With Non-Affiliated Third Parties. We may disclose all Private Information as permitted by law. Lawful disclosures include, but are not limited to, those necessary for the processing or administering of a financial transaction requested or authorized by you and those for the purpose of preventing fraud, responding to judicial process or a subpoena, or complying with federal, state, or local laws