Categories of Information We Disclose
We may disclose all of the information that we collect, as described above.

Categories of Affiliates and Third Parties to Whom We Disclose Information About Current and Former Customers
We may disclose all of the information that we collect, which relates to our transactions or experiences with you among our affiliated companies. Companies, which are affiliated with us, include any company that controls us, any company we control, or any company under common control with us. In other words, it is any company that is in our "family of companies."

We may disclose all of the information that we collect, as described above and permitted by law, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose all of the information that we collect, as described above, with other nonaffiliated third parties as permitted by law.

Opting Out of Disclosure and Opting In
Because we only disclose information to nonaffiliated third parties as permitted by law or through a joint marketing agreement, opt outs of such disclosures and opt-ins are not required.

Policies and Practices to Protect the Confidentiality and Security of Nonpublic Personal Information
We restrict access to nonpublic personal information about you to those employees, outside contractors, and businesses which jointly market our products and services, who need or may 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 protect your nonpublic personal information.

Privacy Policy Changes and Future Disclosures
We may from time to time change our Privacy Policy. We reserve the right to disclose any and all information to our affiliates and other nonaffiliated third parties as permitted by law.