1. We understand the need to safeguard information about your personal and financial affairs that you provide to us. We have implemented and will maintain standards and procedures designed to prevent misuse of that information.
2. We collect, retain, and use that information only when we believe it will help us, our affiliated companies, retail dealers or selected business partners, provide products, services, and other opportunities to you. We also use that information to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your needs so we, our affiliated companies, dealers and business partners can provide you with quality products and superior service, and genuine value.
3. We have procedures to help assure that your financial information is accurate, current, and complete, in accordance with commercial standards. We also have procedures to respond to your requests to correct inaccurate information in a timely manner. Some of these procedures are required by federal or state law.
4. We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures and special training programs.
5. We maintain security standards and procedures to help prevent unauthorized access to information about you. We update and test our technology to improve the protection of our information about you and to ensure its accuracy.
6. We do not reveal specific information about your accounts or other personally identifiable data to parties outside our affiliated companies for their independent use unless: (1) you request or authorize it; (2) the information is provided to help complete a transaction initiated by you; (3) the information is provided to a credit bureau or similar information reporting agency; or (4) the disclosure otherwise is lawfully permitted or required.
7. It is necessary to provide personally identifiable information about you to a party outside our affiliated companies, such as to a company that we hire to prepare your account statements. These companies agree to protect our confidential information about you and must abide by applicable law.
8. This Statement may be changed at any time. The Notice of Privacy of Consumer Financial Information below, which relates only to accounts used primarily for personal, family and household purposes, may be changed by providing a prior written notice to those customers. The remaining provisions may be changed without prior notice and those changes may apply to information already in use.

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Notice of Privacy of Consumer Financial Information **

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency.

• Financial service providers, who offer services you may find of value, such as securities broker-dealers, insurance companies and agents.
• Non-financial companies, such as merchants participating in the Farm Plan program who have identified you as their customer.

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Notice of Your Opportunity to Opt Out of Information Sharing With Companies in Our Corporate Family

• Information we obtain from your application, such as your income;
• Information we obtain from a consumer report, such as your credit score and credit history;
• Information we obtain to verify representations made by you, such as your open lines of credit;
• Information we obtain from a person regarding its employment, credit or other relationship with you, such as your payment history;

• Financial service providers, such as sales finance companies and banks;
• Non-financial companies, such as manufacturers.

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How To Tell Us Not To Share This Information With Our Corporate Family

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