We collect certain personal information about our customers from the following sources: (a) information we receive from them, (b) information concerning their transactions with us, our affiliates, or others and (c) information we receive from consumer reporting agencies. We may disclose the following kinds of nonpublic personal information about our customers: (a) information we receive from our customers, such as names, addresses and social security numbers; (b) information about our customers' transactions with our subsidiaries, affiliates or others, such as their account balance, payment history, parties to account transactions, and account usage; and (c) information we receive from a consumer reporting agency, such as credit histories.

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

To maintain security of customer information, we restrict access to your personal and account information to persons who need to know that information. We also maintain physical, electronic, managerial and procedural safeguards to protect the privacy of your personal information and account information. We use software programs to create summary statistics, which are used for such purposes as assessing the number of visitors to the different pages of our web site. Your personal information is not revealed in these summaries. We urge you to take every precaution to protect your personal data when you are visiting our web site. We request that you never allow anyone else to have access to your personal account information or leave your computer unattended while visiting our web site