Information We Collect:

The information we collect is limited to what we believe is necessary or useful to conduct our business; to administer your records, accounts and funds; to comply with laws and regulations; to help us design or improve products and services; and to understand your financial needs so that we can provide you with quality products and superior service.

We collect this information from the following sources:

• Information we receive from you on applications or other forms, such as your assets, income and other debt.

• Information about your transactions and experiences with us, our affiliates or others, such as your account balance, payment history, parties to transactions and credit card usage.

• Information we receive from a consumer report, such as information regarding your creditworthiness or credit history.

• Information we receive through our online services, such as information relating to Web site navigation, customer contact and optional surveys.

• Information we receive from public records and market research, such as demographic information.

• Information we obtain from outside sources relating to their employment, credit or other relationships with you, such as a verification of employment history, loan or credit card balance or insurance coverage.

• Information we have obtained at your request, such as aggregated information from multiple financial service providers.

Information We Share:

We do not share information about our customers or former customers, to outside agencies or marketers.