PRIVACY DISCLOSURE

Protecting your privacy is important to Holiday Financial Services Corporation. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information.

“Nonpublic personal information” is information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

INFORMATION WE COLLECT ABOUT YOU

We collect nonpublic personal information about you from the following sources: - Information we receive from you on applications or other forms, - Information about your transactions with us, our affiliates, or others, - Information we receive from a consumer-reporting agency.

NO DISCLOSURES OUTSIDE OF EXCEPTIONS

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

CONFIDENTIALITY AND SECURITY

We restrict access to nonpublic personal information about customers to those employees who need to know that information to provide products or services to customers. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.