PRIVACY STATEMENT

Information We Collect:

We collect non-public personal information about you from numerous sources including, but not limited to:

a. Information we receive from you on applications and other forms;

b. Information about your transactions with our affiliates, others or us;

c. Information we receive from consumer reporting agencies; and

d. Financial and medical sources.

Information We Disclose:

We do not disclose non-public personal information about you to anyone except as is necessary in order to provide our products or services to you or otherwise as we are required or permitted by law (e.g., subpoena, fraud investigation, regulatory reporting, etc.).

Confidentiality and Security:

We restrict access to non-public personal information about you to our employees, our affiliates' employees or others who need to know information to provide service to you on your account. We maintain physical, electronic and procedural safeguards to protect your non-public personal information.