In today's environment, where people are subjected to marketing calls, junk mail, and spam and are very concerned about fraud and identity theft, we recognize the seriousness of our responsibility to help maintain the privacy and security of your personal information. As a result, we have adopted privacy and security practices that go beyond minimum legal requirements in order to give you greater comfort.
We invite you to compare what we do with any other lender that you are presently using or considering. We are a Secure Site, allowing you to confirm our web site identity by clicking on the seal below:

For Nevada residents only, Nevada law requires that we also provide you with the following contact information:
Bureau of Consumer Protection, Office of the Nevada Attorney General
555 E. Washington St., Suite 3900
Las Vegas, NV 89101
Phone: 702.486.3132
Email: BCPINFO@ag.state.nv.us

We may modify this privacy and security policy from time to time. We will post such changes to this page and update the last revised date. If the changes to the policy are significant, we will provide a more prominent notice including, possibly, an email notification to you.

FACTS: WHAT DOES LENDINGSMARTS DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect, and share depend on the product or service you have with us. This information can include:

• - Social Security number and income
• - Account balances and payment history
• - Credit history and credit scores

How? All financial companies need to share customers' information to run their everyday business—to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons LendingSmarts chooses to share; and whether you can limit this sharing.

Reason we can share your personal information	Does LendingSmarts share?	Can you limit this sharing?
For our everyday business purposes such as process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes to offer our products and services to you	Yes	Yes (See below)
For joint marketing with other financial companies	No	Yes
For our affiliates' everyday business purposes information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes information about your creditworthiness	Yes	Yes(See below)
For our affiliates to market to you	Yes	Yes(See below)
For nonaffiliates to market to you	No	We do not share

LendingSmarts customers, please go to Preferences in the customer service section of the LendingSmarts web site to change your preferences to limit our sharing.

You may also email LendingSmarts at privacy@LendingSmarts.com

If you are a new customer, we can begin sharing information 30 days from the date you receive this notice. When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing and to restrict telemarketing, direct marketing postal mail and email solicitations.

Email us at privacy@LendingSmarts.com or go to www.LendingSmarts.com/privacy

Who we are:
Who is providing this notice? LendingSmarts, and its affiliates.

What we do:
How does LendingSmarts protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

Why can't I limit all sharing?
Federal law gives you the right to limit sharing only for:

• - Affiliates' everyday business purposes—information about your creditworthiness
• - Affiliates to market to you
• - Nonaffiliates to market to you
• - State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account—unless you tell us otherwise.

Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. LendingSmarts is a division of SunTrust.
Our affiliates include companies with a Smarts name and other financial companies, such as DPD Direct Data.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.
LendingSmarts does not share information with nonaffiliates so they can market to you.

Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

State and Local Regulations: If, in addition to federal law, you are protected by specific state or local rules concerning information sharing and marketing, LendingSmarts will fully comply with these regulations as well. Under Vermont and California law, we will not share information we collect about you with companies outside of LendingSmarts, unless the law allows. Nevada State law requires that we provide residents with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone: 702.486.3132; Email: BCPINFO@ag.state.nv.us.

Use of Third Parties: We have arrangements with companies whose experience is essential for our own services to operate properly. These companies, some of which may be located outside the United States, work at LendingSmarts’ direction, only receive the information necessary to perform these functions, and adhere to LendingSmarts’ data security guidelines.

Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report.

Do Not Call Policy. This notice is LendingSmarts’ Do Not Call Policy under the Telephone Consumer Protection Act. LendingSmarts abides by all federal and state regulations on telephone usage, maintains an internal Do Not Call list and makes no telemarketing calls to numbers on this list. All Do Not Call requests are implemented within 30 days and the selection is permanent - unless you elect to remove your number from the list.