This Privacy Policy explains our policy on collecting and managing information about our customers, and how we protect the security and confidentiality of our customer information. This notice is provided to you as required by federal law and regulations.

Keeping Our Privacy Policy Up-To-Date
Our Privacy Policy may change over time, and we will inform you of any changes as required by law. You can always review our current policy by revisiting our web site, e-mailing us at info@tammacfinancial.com, or calling us at 1-800-326-8332 and requesting a copy.

We will also provide you with a copy of the Privacy Policy annually as long as you are an active customer.

Information We Collect About You
In the course of providing services to you, or when you visit our web site, we collect information about you. Some of this information is considered "personally identifiable financial information" or "nonpublic personal information."

We may collect information about you to help identify you, evaluate your application, and service and manage your account.

We collect nonpublic personal information about you from the following sources:

• Information on applications and other forms provided by you or someone on your behalf (for example, name, address, social security number, income, assets and debt).
  
• Information about your transactions or experiences with us (for example, your account balance and payment history).
  
• Information from credit reporting agencies (for example, your creditworthiness and credit history).
  
• Information from other outside sources obtained when verifying the information you provide on an application or other forms (for example, from your current or past employers, or from your bank).
  

Information We Disclose
We do NOT disclose or sell any nonpublic personal information about you to anyone, except as permitted by law.

We are affiliated with Tammac Holdings Corporation, which is another type of financing company. We do not share any information about our customers with Tammac Holdings Corporation.

If we decide to change our policy on sharing or disclosing information, we will inform you first and give you an opportunity to decline or "opt-out."

Disclosure of Information About Former Customers
Our policies and practices regarding the use of nonpublic personal information on former customers is the same as we have disclosed for current customers.

How We Protect Your Information
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 regulations to guard your nonpublic personal information. We inform our employees of their obligations to protect your information.

Protecting the Accuracy of Your Information
It is important that your account information be kept accurate. If you discover that the account information we have is inaccurate, incomplete, or not current, please write to us at 100 Commerce Blvd., Wilkes-Barre, PA 18702, or call us at 1-800-326-8332. We will promptly correct or update any wrong information.

Protecting Your Privacy On-line
If you are just browsing through our web site, you remain anonymous. We do not use "cookies" to collect identifying information on visitors to our web site.

If you send us information on-line (over the Internet), we may collect the data you send, such as application information and e-mail correspondence. We retain this information only for as long as needed, such as to process your loan application or to respond to your inquiry. We regularly delete information when we no longer need to retain it.

Only those individuals who need to have access to your information are authorized to do so. We maintain physical, electronic and procedural safeguards to protect our customer data and records. We use a range of internet security measures, such as routers and firewalls that act as barriers between our network and others. If you apply on-line, the information you provide in your application is protected by Secure Socket Layer (SSL) technology (a leading security protocol for data transfer on the Internet). The SSL technology scrambles, or encrypts, your account information as it moves from your PC's browser to our computer systems. However, messages you send to us by e-mail are not secure. If you need to send us confidential information (other than by way of the on-line application), we recommend that you write to us or telephone us.

If you use a link from our web site to another company's web site, our Privacy Policy is no longer in effect. You should review the privacy policy of any web site you visit before you provide any personal information.

Children
Our products and services are aimed at contractually responsible adults, and we do not knowingly market to children or solicit data from children. We are not responsible for the practices of any other companies or web sites to which our web site may link.