Privacy

Privacy Policy for Consumers – How we protect and use information.

What you should know
We recognize our obligation to keep information about you secure and
confidential. It’s important for you to know that, unlike many other financial
services company’s we do not sell or share Customer Information with marketers.
So, there is no need for you to tell us not to. You also need to know that we
carefully manage information to give you better service, more convenience.

What the policy covers
This policy covers Customer Information, which means personally identifiable
information about a consumer or a consumer’s current or former relationship
with Anacapa Systems, Inc This policy is provided to you as required by the Federal
Financial Privacy Law. *

  • Protecting information about you from marketers outside Anacapa Systems, Inc

  • Making the security of information a priority

  • Managing information for your convenience

  • Making sure information is accurate

  • Keeping up-to-date with our Privacy Policy

Protecting information about you from marketers outside Anacapa Systems, Inc does not sell or otherwise share any customer
information with marketers outside Anacapa Systems, Inc You don’t need to take any
action to prevent disclosure.

Making the security of information a priority
Keeping financial information secure is one of our most important
responsibilities. We value your trust and handle information about you with
care.

At Anacapa Systems, Inc, we

  • Limit access to Customer Information to those associates who need to know that
    information to provide services to you or to maintain or service those products
    or services.

  • Are bound by a code of ethics requiring confidential treatment of Customer
    Information and our Associates are subject to disciplinary action if they fail
    to follow this code.

  • Maintain physical, electronic and procedural safeguards to protect Customer
    Information.

  • Continually assess new technology for protecting information and upgrade our
    systems when appropriate.

Collecting Information
We collect and use various types of information to service your accounts, save
you time and money and better understand your needs. We want to help you learn
more about products and services that may be of interest to you.

Customer information we collect is categorized as the following five types:

  • Information you provide to us on applications for service.

  • Information about your transactions and account experience with us, such as
    your account balance, payment history, or information about our communication
    with you.

  • Information from a consumer report, such as information regarding your
    creditworthiness or credit history.

  • Information from outside sources regarding your employment, credit or other
    relationship with you or verifying representations made by you, such as your
    employment history, loan or credit card balances if applicable.

  • Other general information we obtain about you that is not assembled for the
    purpose of determining your eligibility for credit, employment or other product
    or service you request, such as demographic information.

Managing information for your convenience
The information we share helps us bring you greater convenience and more
choices. We limit who receives Customer Information and what type of
information is shared.

Sharing information within Anacapa Systems, Inc is made up of our operations and
servicing departments.

Anacapa Systems, Inc may share all five types of customer information referenced
above among our departments, to which the policy applies, except as limited
below.

You can limit information shared about you. If you do not want us to share
information from your applications, consumer reports or from other outside
sources, please tell us of this request by:

  • Writing to:
    Anacapa Systems, Inc
    Customer Information Operations
    2501 Cherry Avenue
    Suite 360
    Signal Hill, CA 90755

  • Calling us at (562) 216-6701.

  • Send us an e-mail through our web site.

Please provide your full name and street address and telephone number.

Note that this request will apply to information from applications, consumer
reports and other outside sources only and may take six to eight weeks to be
fully effective. Through the normal course of doing business, including
servicing your accounts and better serving your financial needs, we will
continue to share transaction and account experience information, as well as
other general information within our company. However, you can control whether
our company will contact you. Please refer to the section Honoring Your
Preferences.

Sharing information with companies that work for us
We may share all five types of Customer Information with companies that work
for us, including some of our own subsidiaries, to provide you products and
services that you’ve requested or already have with us. We share the
information needed to provide those products and services and to provide a good
customer experience. These companies may include financial service providers
such as insurance companies and payment processing companies and non-financial
companies such as data processing companies.

These companies might assist us, for example, in fulfilling your service
request, processing your transaction, or mailing account statements.

Disclosing information in other situations
We may also disclose any of the five types of Customer Information to credit
bureaus and similar organizations, and otherwise when permitted by law. For
example, this may include:

  • A disclosure in connection with a subpoena or similar legal process

  • A fraud investigation

  • An audit or examination

  • The sale of your account to another financial institution.

Honoring your preferences.
You have choices when it comes to learning about new services from Willow,
Inc. To tell us your preferences:

  • WritWrite to:
    Anacapa Systems, Inc
    Customer Information Operations
    2501 Cherry Avenue, Suite 360
    Signal Hill, CA 90755
  • Call us at (562) 216-6701

  • Send us an e-mail through our web site.

In order to ensure that we accurately reflect your request, please provide your
full name and street address and telephone number. Please note that it may take
six to eight weeks to make your request fully effective.

Reducing direct marketing from other companies
If you would like to reduce the amount of advertising you receive from
companies outside the Anacapa Systems, Inc, you can write to the following
agencies:

If you would like to have your name taken off all pre-approved credit
solicitations you can write to the following credit reporting bureaus or call
1.888.5OPTOUT (888.567.8688). Be sure to include your full name, current
address, social security number and telephone number.

  • Experian
    Consumer Opt-Out
    901 West Bond
    Lincoln, NE 68521

  • Equifax, Inc.
    Options
    P.O. Box 740123
    Atlanta, GA 30374-0123

  • Trans Union Corporation
    Name Removal Option
    P.O. Box 97328
    Jackson, MS 39288-7328

Keeping up-to-date with our Privacy Policy
Anacapa Systems, Inc. This policy may change from time to time, but you can always
review our current policy at www.anacapa.com or contact us for a copy at
(562) 216-6701.

Online Privacy Practices

Committed to your online privacy and security. We strive to keep you informed
about how we protect your online activity at www.anacapa.com The following
online practices demonstrate our commitment to maintain your online privacy and
security.

  • Protecting your security online. Anacapa Systems, Inc. employs technology and other
    security practices shown to protect personal information from unauthorized
    disclosure or use.

  • Gathering and using online information. We gather and use information so we can
    better serve your needs.

  • Linking to other sites. Anacapa Systems, Inc provides links to other companies’
    sites to bring you products and services.

  • Taking individual responsibility for protecting personal information. You play
    an important role in safeguarding any personal information you may share
    online.

Protecting your security online
Keeping financial and personal information secure is one of our most important
responsibilities. We value your trust and handle personal information with
care.

Secure transmissions
To ensure information remains confidential, Anacapa Systems, Inc uses encryption
technology such as Secure Socket Layer (SSL) on its Web sites to transmit
information between you and Anacapa Systems, Inc.

E-mail security
Regular Internet e-mail is not secure. When Anacapa Systems, Inc provides Internet
e-mail addresses; you should use them to provide information that is
non-sensitive and non-confidential. We ask that you do not provide personal or
account information through e-mail. You may also contact us by phone or mail.

Gathering and using information online
Anacapa Systems, Inc collects and uses the information you provide us online to
respond to your needs, and service your accounts.

Online surveys and sweepstakes
At times, we may conduct online surveys to help us better serve you. We may
also offer online sweepstakes and promotions. The information you provide on
surveys, sweepstakes and other promotions may be used for internal marketing
purposes. Based on the information you provide to us, we may also inform you of
accounts and services from Anacapa Systems, Inc. As always, if you have asked us
not to contact you with marketing offers, your request will be honored. You are
not required to complete online surveys, sweepstakes or promotions.

Looking out for children
We do not knowingly market to or solicit information from children under 18
without parental consent. We recognize that protecting children’s identities
and privacy online is important and that the responsibility to do so rests with
both the online industry and with parents.

Linking to other sites
We may provide links to non-Anacapa Systems, Inc companies, such as credit bureaus
or merchants. If you choose to link to Web sites not controlled by Anacapa Systems, Inc,
we are not responsible for the privacy or security of these sites,
including the accuracy, completeness, reliability or suitability of their
information. If you are asked to provide information on one of these Web sites
we strongly urge you first to study carefully their Privacy Policies.

Taking individual responsibility for protecting personal information
While Anacapa Systems, Inc works to protect your privacy, you also play a role in
protecting personal information.

Your role To help safeguard information, we suggest the following:

  • Do not share your ID or password with anyone.

  • Only provide your Banking information when your browser indicates an encrypted
    connection, such as Secure Socket Layer (SSL), directly to the Anacapa Systems, Inc
    web site or to another site you have investigated and fully trust.

This policy applies to consumer customer relationships established in the United
States.
* 15 U.S.C. 6801-6810