PRIVACY POLICIES OF Interactive Market Solutions, Inc AND NOTICE OF YOUR RIGHT TO OPT OUT OF INFORMATION SHARING

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This letter will explain to you our privacy policies applicable in your state of residence. It covers all members of the Interactive Market Solutions, Inc business family (including the parent company Interactive Market Solutions, Inc and its subsidiaries operating separately in each state and doing business as "Interactive Market Solutions, Inc").

We collect non-public personal information about you from the following sources:

1. Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income;
2. Information about your transactions with us, our affiliates, or others, such as your account history, your account balance, payment history, parties to transactions, and your reasons for doing business with us;
3. Information we receive from consumer reporting agencies, such as your credit worthiness and credit history;
4. Information we obtain to verify representations made by you, such as your employment history, and
5. Information obtained from specialized marketing information firms, such as household demographics.

Unless you tell us not to, we may disclose all of the information that we collect, as described above, to companies in our corporate family, as well as to non-affiliated third parties. Companies in our corporate family and non-affiliated third parties who may receive this information are financial service providers, such as mortgage bankers, mortgage brokers, consumer lenders, small lenders, loan brokers, deferred deposit providers, check cashers, supervised lenders, delayed deposit providers, deferred presentment providers, collection agencies, banks, credit card providers, debit card providers, tax preparers, payroll service providers, insurance agencies, bill payment agencies, ATM providers and financial service provider holding companies.

We may also disclose all of the information we collect, as described above, to companies who perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We may disclose all of the information we collect, as described above, concerning former customers. Former customers have the same opt out privilege discussed below as active customers.

We restrict access to non-public 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 non-public personal information.

Please note that our direction in this paragraph applies to certain information about you that we might otherwise share with our corporate family and non-affiliated third parties. However, we may still share other information about you with our corporate family and non-affiliated third parties as permitted by law.

We may use personal information to provide the services you've requested, including wireless services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP", "END", "QUIT" to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you."


Last updated and or changed on: 11/7/2011