We recognize the importance of protecting your personal information. We collect and retain information about you to communicate with you, to process your requests for products and services, and to inform you about other financial services that may be of interest to you. Except as explained here in our Privacy Policy, we do not sell nonpublic personal information about current or former customers, nor do we share this type of information with anyone other than our affiliates. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

INFORMATION WE COLLECT
We collect the following types of public and nonpublic personal information about you:

• Information obtained from you on applications and other forms, and from other sources used to process your request for one or more of our products or services (e.g., your name, address, employment history, income, credit balances, property insurance coverage and other representations made by you).
• Information arising from your transactions with us, our affiliates or others (e.g., your payment history, account balance and other transactional information).
• Information obtained from consumer credit-reporting agencies (e.g., your credit history and creditworthiness)

WHO WE SHARE YOUR INFORMATION WITH AND WHY
Except as discussed herein, we will only share nonpublic personal information about you with nonaffiliated third parties as permitted by law or with your consent. We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing arrangements.

SHARING INFORMATION WITH AFFILIATES
To provide you with superior service, inform you of product and service opportunities that may be of interest to you, and for other business purposes, we may disclose all of the information we collect, as described above, to the following types of affiliated companies: financial service providers, such as mortgage and life insurance agencies, title service companies and auto finance companies. An "affiliated company" or "affiliate" is a company that we own or control, or that is commonly owned or controlled by our parent holding company.

OUR FORMER CUSTOMERS
We treat information about our former customers in the same manner as we treat information about our current customers.

CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use.

Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.

UPDATES TO OUR PRIVACY POLICY
As long as you remain a customer, we will provide you with an annual notice of this policy. We will provide notice of any revised policy to current customers and those consumers whose nonpublic personal information we share as described above. We reserve the right to change this policy at any time.

FOR VERMONT RESIDENTS
The information-sharing practices described above are in accordance with federal law. Vermont law places additional restrictions on sharing information about Vermont residents, so long as they remain Vermont residents. In accordance with Vermont law:

• We will not share consumer credit reports with our affiliates without your consent, and
• We will only disclose your name, contact information and our own transaction and experience information to other financial institutions with which we have joint-marketing arrangements.

Otherwise, we will share information in accordance with all of the practices described above.