This Notice:

Explains how we collect and disclose customer information when you apply for or obtain financial products and services for personal, family or household purposes from any of the ZoneLoans.com companies described at the end of this Notice.

• Gives you choices. You may tell us your preferences about sharing customer information with other ZoneLoans.com companies. You may also tell us your preferences about receiving special pricing or other promotional offers from us.

We may supplement this Notice to address special state law requirements. In the event of any conflict between the provisions of this Notice and any supplement, the provisions of such supplement will apply to the extent applicable.

Confidentiality and Security
Protecting customer information has always been important to us. Access to customer information is limited to those persons who need to know that information. For example, access to customer information is needed to resolve questions or inquiries, for internal security or fraud control, to provide products or services, or to protect or enforce our rights.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard customer information.

Customer Information We Collect
We collect customer information about you from the following sources:

• Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets, income, and, in the case of applications for life or health insurance or medical-related debts, any required medical and health information.
• Information about your transactions or relationships with us, with other ZoneLoans.com companies or with third parties, such as information about your balances and payment history. Information we receive from consumer reporting agencies, such as your creditworthiness and credit history.

Our Policy About Disclosing Customer Information Outside of ZoneLoans.com
We do not disclose customer information we collect about our customers or former customers to third parties outside of ZoneLoans.com, except as permitted or required by law. These exceptions are described below. Since this is our policy, there is nothing you need to do to request us not to share customer information with such third parties.

Exception for Joint Marketing and Service Providers
We may disclose customer information we collect, on customers and former customers, to companies that perform marketing services for us or to other financial institutions with whom we have joint marketing arrangements.

Examples of these companies or financial institutions are:

• Financial institutions with whom we have joint marketing agreements, such as insurance companies, mutual fund companies, credit card companies, and motor vehicle dealers.
• Companies that provide marketing services for us, such as bulk mailing companies, direct marketing companies, market research firms, and marketing consultants.

Other Exceptions
Other examples of when we disclose customer information outside of ZoneLoans.com are as follows:

• To consumer reporting agencies.
• In connection with audits or any sale or transfer of your accounts or a ZoneLoans.com company or division.
• For fraud, security or risk control.
• To help complete a transaction you initiate, including information requested to verify the existence or condition of an account.
• To resolve disputes or inquiries you may have about your accounts.
• With your consent or at your direction.
• When disclosure is required by law, such as pursuant to court order, subpoena, legal process or government agency examination or investigation, or to protect or enforce our rights.
• To companies that perform services for us in connection with your accounts, such as data processing and software companies and collection agencies.
• As otherwise necessary to service your account, or as permitted or required by law.

Customer Information We May Share with Other ZoneLoans.com Companies
We may disclose customer information we collect, on customers and former customers, to other ZoneLoans.com companies. ZoneLoans.com companies that may receive this information are financial service providers, such as banks, mortgage companies, securities brokers, and insurance agencies. However, we do not share medical or health information among ZoneLoans.com companies except as permitted or required by law, such as to process applications for life or health insurance or medical-related debts where such information is required.

Additionally, you have the right to ask us not to share certain information about you with other ZoneLoans.com companies, including:

• Information you give us on applications or other forms, such as your income or marital status.
• Information we obtain from a consumer report, such as your credit score or credit history.
• Information we obtain from others regarding their relationships or transactions with you or to verify what you tell us, such as account balances or employment history.

Your Choice About Sharing Customer Information with Other ZoneLoans.com Companies
You may email us at CustomerService@ZoneLoans.com to ask us not to share customer information about you as described above with other ZoneLoans.com companies. If you make this choice, it will apply to all of your accounts with us. Please be aware, however, that this choice is limited. It does not cover information we are permitted by law to share with other ZoneLoans.com companies even if you make this choice, such as identifying information and information about our experiences and transactions with you. Also, if you make this choice, our ability to service your account relationships among different ZoneLoans.com companies may be limited.

Joint Accounts
You may email us at CustomerService@ZoneLoans.com to ask us not to share customer information about you as described above with other ZoneLoans.com companies. If you make this choice, it will apply to all of your accounts with us. Please be aware, however, that this choice is limited. It does not cover information we are permitted by law to share with other ZoneLoans.com companies even if you make this choice, such as identifying information and information about our experiences and transactions with you. Also, if you make this choice, our ability to service your account relationships among different ZoneLoans.com companies may be limited.

Your Choice About Promotional Offers
You may email us at CustomerService@ZoneLoans.com to tell us your preferences about receiving special pricing or other promotional offers from us. Please note, however, that whether or not you make this choice, statements and other information that we send to you about your accounts and transactions may contain special pricing or other promotional offers.

Correcting Errors in Information We Share with Consumer Reporting Agencies
If you believe any of the information we share with a consumer reporting agency is in error, please let us know. Write to us at: ZoneLoans.com Address

Please provide us with your complete name, current address, phone number, and Social Security number. You will also need to include your account number, type of account, and the specific item in dispute. You must tell us the reason you believe this information has been reported in error.

Identity Theft
The law provides certain rights to victims of identity theft. If you believe you are a victim of identity theft with respect to any of your accounts or transactions with us, you may notify us at CustomerService@ZoneLoans.com . Please provide as much detail as possible about the accounts or transactions in question, including any dates and account or transaction numbers that apply. We may contact you to discuss additional information necessary to resolve the matter.

Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Safeguarding Personal Information
We employ appropriate safeguards to protect any personal information that you provide to us through our Web site from unauthorized third party access.

Notice Regarding Web Linking Practices
We provide access to information, services, and products through Web sites that are owned or operated by other companies ("third party Web sites"). We have carefully chosen a number of other companies to provide information, services, and products, in hopes of bringing you the value and service you expect from ZoneLoans.com. You can identify that you are at a third party's Web site instead of ours when you have used a hyperlink which takes you to a new location, and the Web site address of the linked site appears in the "netsite" or "address" box at the top of your browser, or when a new browser window is opened, in which the new third party Web site appears.

We have done our best to provide you with information, services, and products from trustworthy third party companies; however, we cannot endorse, approve or guarantee information, products, services or recommendations provided at any third party's Web site. Because we may not always know when information on a third party site changes, we are not responsible for the content or accuracy of any third party Web site. We will not be responsible for any loss or damage of any sort resulting from the use of a third party web link, nor will it be liable for any failure of products or services advertised or provided on these third parties' sites.

When you visit a third party Web site by using a hyperlink from a ZoneLoans.com site, our Privacy Notice and security practices will no longer protect you. The data collection, use, and protection provided by the linked site may differ from those at ZoneLoans.com. You should familiarize yourself with the privacy policy and security practices of any third party linked site you visit. Those are the policies and practices that will apply to your use of the third party linked site, NOT ZoneLoans.com's policies and practices. Because the privacy and information security practices may be different than ZoneLoans.com's, you may be at greater risk to computer viruses, malicious code, or other defects in Web sites that may affect your computer.

We have also established co-branded relationships with other parties on the Internet to offer you information, services, and products. You can identify that you are at a co-branded Web site through the use of a hyperlink, when you see the words "brought to you by", "powered by", or "provided by", or the logo of a different company is visible in a prominent location on the web page. We do not own the companies that we have chosen to develop a co-branded relationship with, and we do not control how those companies use any information you supply them.

Notice Regarding the Use of Online Surveys
Online surveys and sweepstakes are offered from time to time on our Web site. Online surveys are used so that we can gather information to better serve you. Based on the information you provide to us, we may inform you of accounts and services from ZoneLoans.com. As always, if you have asked us not to contact you with marketing offers, your request will be honored in accordance with the above Privacy Notice. You are not required to complete online surveys, sweepstakes or promotions.