G.F.B. is committed to respecting the individual privacy of customers. In accordance with federal regulation, the vehicle financing division of G.F.B. is giving you this notice to tell you how we use information about you or your account. This notice also advises you of your right to keep this information from being shared with other companies within the G.F.B. family (affiliates) or other business associates (non-affiliates) under certain circumstances.

WE obtain non-public personal information about you from the following sources:

• Information we receive from you, such as information on applications or other forms, which may include your name, address, social security number and income.
• Information about your transactions with us, our affiliated, or others such as your account balance and payment history.
• Information we receive from consumer reporting agencies, motor vehicle dealers, credit references, employers, insurance companies, and insurance agencies, such as your credit history, credit score, and information that we obtain to verify employment history or that insurance coverage is in place.

To provide you with superior service, inform you of product and service opportunities that may be of interest to you, or for other business purposes, we may share all of the information that we collect, as described above.

WE may share non-public personal information about you with the following types of affiliates and non-affiliated third parties:

• Financial service providers, such as mortgage bankers, credit card issuers, insurance companies, and insurance agents.
• Non-financial companies, such as manufacturers, motor vehicle dealers, retailers, direct marketers, telecommunications companies, airlines, and publishers.
• Others, such as educational institutions.

We may share all of the information we collect, as described above, with companies that perform marketing services on our behalf or with other financial institution with whom we have joint marketing agreements. We may also share non-public personal information about you with affiliates and non-affiliated third parties as permitted by law.

No action is required by you at this time if you wish to permit information sharing as described above. Please consider that if you opt out of information sharing, you name may be excluded from mailings or other communications that may be of interest to you. Examples may include information about special rate progams, or other direct marketing programs.

• If you want G.F.B. vehicle financing division not to share non-public personal information about your with affiliates and non affiliated third parties, you may opt out of information sharing, that is, you may direct us not to share information (other than as permitted by law). (Information sharing permitted by law includes sharing information with our affiliates about our transactions or experiences with you.) If you wish to opt out of information sharing with affiliates and nonaffiliated third pa4rties (other than sharing permitted by law), you may call the following toll-free number: 1-800-594-5646. Your opt-out direction will apply to information we obtain and share in connection with vehicle financing and leasing and will be effective July 1, 2001.
• If you share your account with another person, either of you may opt out of disclosures (other than disclosures permitted by law) for you.

If you have already opted out, and decide to opt back in, you must write us at 2219 East 8th Street, Odessa, Texas 79761 to do so.

We restrict access to non-public personal information about you to our employees, agents, and subcontractors who need this information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal refulations to guard your non-public personal information.

We strive to keep out records of our information about you accurate and up-to-date. If you tell us of an error, we will update our records promptly.