"1800390Credit.com"
PRIVACY STATEMENT

1800390Credit.com is committed to respecting the individual privacy of consumers. In accordance with federal regulations, 1800390Credit.com is giving you this notice to tell you how we collect, use and share your information.

We collect non-public personal information from you in order to provide the best customer service in establishing and maintaining your transportation needs. This information comes to us from various sources, including:

* Applications for loans, leases, buyer's orders, service contracts, credit life insurance or other related "financial" products.
* Consumer reporting agencies.
* Department of Motor Vehicles
* Applications for store credit and related references.

We may disclose some or all of the information we have collected about you as a consumer, customer or former customer to affiliates and to nonaffiliated third parties for the following purposes:

* To process a credit application for the purchase of a vehicle or the above indicated "financial" products.
* To report a vehicle sale with non-financial companies, such as automobile manufacturers.
* To consumer reporting agencies.
* To respond to a subpoena, court order or judicial process.
* To protect against fraud or resolve customer disputes.
* To third parties that assist us in marketing our accounts and services.

We are committed to servicing your automotive needs. If you wish to limit information sharing at any time (except as permitted by law), you may opt out of disclosures to nonaffiliated third parties. You may write us at:1800390Credit.com, Attention: Customer Relations, 3817 West Henrietta Road, Rochester, NY 14623.

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 such as product recalls, maintenance and maturing financial contracts. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Information that you give us as part of this application process will be used to investigate your credit. We will give your information to reputable consumer reporting agencies and financial institutions in connection with this application. There is no obligation whatsoever.

"1800390Credit.com"
Consent for Electronic Documents
CONSENT FOR ELECTRONIC DOCUMENTS UNDER THE ELECTRONIC SIGNATURES
IN GLOBAL AND NATIONAL COMMERCE ACT

Please read this information carefully and print a copy and/or retain this information electronically for future reference.

Introduction. You are submitting an electronic credit application for auto financing ("Application") to 1800390Credit.com. By consenting to receive information electronically at our web site(s) or via email, you will receive certain information and disclosures electronically (“Documents”), including the following: Credit Application, State Law Disclosures, Privacy Policy, and notices of our credit decisions. This Consent for Electronic Documents informs you of your rights when receiving these Documents electronically. By consenting and submitting this application, you acknowledge receipt of this Consent for Electronic Documents, and agree to the electronic delivery of Documents via the internet to the e-mail address designated on your Application.

Hardware and Software Requirements. Before you decide to receive your Documents electronically, you must determine if you have the necessary hardware and software described below to access and retain these Documents electronically. To access your Documents, you will need an electronic mailing address, Adobe Acrobat Reader, and a personal computer or other access device which is capable of accessing the internet. To retain your Documents, your access device must have the ability to either download to your hard drive or any external media storage, or print web pages as well as embedded HTML files.

Withdrawing Consent. With the exception of email communications and notices of our credit decisions, you may withdraw your consent to receive your Documents electronically at any time by contacting us by email at info@1800390credit.com. In these circumstances, we will continue the financing process in non-electronic form at no charge. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Documents will not be affected, and except as provided in this paragraph, you will not have the option to later receive your Documents electronically.

Copies. If you wish to obtain a paper copy of any of the Documents, contact us by email at info@1800390credit.com and request a copy at no charge.

Updating Your Contact Information. To update your electronic or mailing address, contact us by email at info@1800390credit.com.

CONSENT AND ACKNOWLEDGMENT. BY SUBMITTING THIS APPLICATION, YOU CERTIFY THAT:

  1. YOU CAN RECEIVE DOCUMENTS ELECTRONICALLY, AND ACCESS AND RETAIN ANY DOCUMENTS RECEIVED;
  2. YOU HAVE (OR HAVE ACCESS TO) A DESKTOP OR LAPTOP PERSONAL COMPUTER WITH A WEB BROWSER THAT SUPPORTS, AT A MINIMUM, 128 BIT ENCRYPTION;
  3. YOU HAVE THE ABILITY TO RECEIVE AND READ EMAIL;
  4. YOU AGREE TO RECEIVE DOCUMENTS ELECTRONICALLY AND CONFIRM THAT YOU WILL DOWNLOAD OR PRINT DOCUMENTS FOR YOUR RECORDS;
  5. YOU ACKNOWLEDGE THAT YOU CAN ACCESS INFORMATION THAT IS PROVIDED ELECTRONICALLY AT THIS WEB SITE AND THE WEB SITE(S) AT WHICH YOU SUBMIT THIS APPLICATION;
  6. YOU ACKNOWLEDGE THAT SUCH ACTION CONSTITUTES YOUR SIGNATURE TO THE CREDIT APPLICATION;
  7. YOU ACKNOWLEDGE THAT YOU ARE PROVIDING YOUR CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS PURSUANT TO THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT AND INTEND THIS STATUTE TO APPLY TO YOUR TRANSACTIONS WITH US TO THE FULLEST EXTENT POSSIBLE.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.