(The following statement is provided in accordance with the requirements set forth by the United States Securities and Exchange Commission)

We maintain non-public information about you obtained from applications or other forms received from you, credit reporting agencies and your transactions with us or others.

We do not disclose any non-public personal information about our present or former customers to anyone, except as permitted by law.

We restrict access to internal records containing non-public personal information about you to those employees and agents who, in our view, need access to such information in order for us to provide the services we make available to you.

We maintain physical, electronic and procedural safeguards to protect your non-public information.