TC Lending Respects Your Privacy

TC Lending understands that there is certain information you do not want to share with everyone. We are just as concerned about safeguarding the information you provide to us. That is why T C Lending and our affiliated companies have adopted these privacy principles and guidelines. We value the trust you have placed in us and are committed to earning and maintaining your confidence.

Policy Overview
This privacy policy describes the kinds of information we collect from our customers, how we use that information, and the limited circumstances under which we will share it with third parties.

Collecting Information
T C Lending will only collect information about you that we reasonably believe will be necessary or useful in processing or administering products or services that you have requested from us. We will also collect information in order to notify you about products; services and other opportunities we think will be of interest to you.

This information may be collected from a variety of sources, such as the following: (1) information provided by you in connection with obtaining financial products and services such as mortgage loans, deposit accounts and investment products and services, (2) information obtained from non-affiliated third parties such as a credit bureau which provides your credit history or employment verification, and (3) information about your transactions with us, our affiliates or others.

Maintenance of Accurate Information
We work hard to ensure your information is as accurate, current and complete as possible. If you ever find that our records are inaccurate or not current, please contact us so that we may work together to correct the record. If the record is within our control, we will correct any inaccurate or incomplete information.

Protecting Your Private Information
Access to our systems containing nonpublic personal information is only to those employees who need it for the purpose of providing products or services to our customers. In addition, we maintain physical, electronic, and procedural safeguards that are designed to comply with federal guidelines concerning the security of nonpublic personal information.

Information Sharing
There are times where we will need to share a portion of your T C Lending account information with certain affiliated companies that either currently exist or that we may create in the future. We will only do so in order to provide you with improved service, inform you of product and service opportunities that may be of interest to you, improve and develop our products and services, or perform other business functions. Affiliated companies may be financial services providers, including consumer and mortgage banking companies, life and casualty insurance companies, insurance agencies, securities brokerage firms, trust companies, and companies that provide settlement services, such as title agencies, escrow companies and appraisal firms.

An "affiliated company" or "affiliate" is a company that we own or control, or that is owned or controlled by our parent holding company. The information we may provide to these affiliates includes (i) identifying information, such as your name, address and social security number, and (ii) information about the financial product or service you obtain from us, such as your deposit balance, investment history, loan balance and/or payment history, as applicable. Under the federal Fair Credit Reporting Act, we are permitted to share this information within our affiliated family of companies.

Unaffiliated Third Parties
Unlike some other banks, T C Lending does not sell customer lists or other information about our customers to unaffiliated parties. Moreover, we do not in any manner share customer information with unaffiliated third parties except as described below or as otherwise expressly permitted by law.

In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited information about our customers to such parties. In addition, we may occasionally engage in joint marketing with unaffiliated financial institutions for various financial products and services (such as credit life and disability insurance) that T C Lending does not offer on its own, but we think will be of interest to our customers. In such cases, T C Lending will always be identified in the joint marketing materials or solicitation.

We may disclose all of the information we collect to the companies that perform marketing services on our behalf or to other financial institutions that have joint marketing agreements with us. Our agreements with these companies are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services or in connection with the jointly marketed product or service.

Our Former Customers
Rest assured that even if you are no longer a customer of T C Lending, we will continue to treat the information we have with the same level of confidentiality.

We appreciate your business and want you to understand our commitment to maintaining the privacy of your personal information, as expressed in this Privacy Policy. This Privacy Policy applies to individual consumers. We reserve the right to amend the policy at any time.