We value your relationship, therefore we do not sell or share your personal information with outside companies that want to sell you their products or services. As an NCFS customer customer, you're carefully protected by a privacy policy where personal information is strictly treated as confidential. After all, customer trust is at the heart of every NCFS relationship. And we're serious about maintaining it. We want to make sure you're fully informed about NCFS’ Privacy Pledge and how it safeguards your information, what information is collected, and how it is used. This notice explains our privacy policy and demonstrates our commitment to maintaining the highest level of security, privacy, and confidentiality possible.

Policy:
One Policy on the Collection, Use, and Sharing of Personal Information.

NCFS has one Privacy Policy for consumers. it is a Privacy Policy that makes it easy to understand and convenient for people to make informed choices about the management of personal information.
Information Covered by this Policy. Our Policy applies to all personally identifiable financial information about you that is obtained by NCFS in connection with providing a consumer financial product or service for personal, family, or household purposes ("personal information"). Our Policy will continue to cover information we may collect about you during the course of our relationship as well as after the relationship has ended.

How We Collect Personal Information.

We rely on many sources of information to understand and meet your needs. We collect personal information about you from:

• your applications or in other ways when you visit us in person, over the phone, through the mail or through our websites;
• your browser, when you visit our websites and your browser interacts with us;
• your transactions with any of the companies in the Bank One family;
• other sources, in connection with providing you a financial product or service.

How We Keep Information Secure.

Information security is one of our highest priorities. Employees who violate our policies and procedures regarding privacy are subject to disciplinary action,

We limit access to personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your personal information.

Information Sharing - Your Opportunity to "Opt Out".

People often tell us that they prefer a financial services provider that takes an "integrated approach". They want us to understand a range of needs and make recommendations about a variety of financial services.

The Fair Credit Reporting Act gives you the opportunity to limit the sharing of "non-experience information". "Non-experience information" includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit, insurance or deposit accounts, and is not related solely to your transactions or other experiences with us, including information:

• from your applications, such as your income or marital status;
• from a credit report, such as your credit history; and
• from sources used to verify representations made by you, such as your open lines of credit or employment history. 

The types of companies that may receive non-experience information include financial service providers, such as:

• banks; 
• broker-dealers; and
• insurance agents. 

If you prefer that we not share non-experience information about you, you may opt out, that is, you may direct us not to share this information, by calling us toll-free at 1-601-957-0745.

Other Information Sharing.

We may also share personal information about you with companies or other organizations outside NCFS as required by or permitted by law. For example, we may share personal information to:

• respond to a subpoena; or
• service your account. 

In addition, NCFS may work with companies or organizations to provide services for or NCFS or to provide you with opportunities to buy products or services offered by NCFS or jointly with other financial institutions. Consequently, we may disclose any of the personal information that we have collected about you to:

• other financial institutions with whom we have joint marketing agreements; and
• companies that perform services, including marketing services, for us or for us and the financial institutions with whom we have joint marketing agreements.

Web-links

We are not responsible for the collection, use or security of information by companies or organizations outside of the NCFS that may be linked to our websites. Consumers are encouraged to read the privacy policies of websites reached through the use of links from NCFS websites.

Children's Online Information Privacy.

We don't knowingly collect, maintain, or use personal information from our websites about children under age 13. If a child whom we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.

We value your relationship, therefore we do not sell or share your personal information with outside companies that want to sell you their products or services. As an NCFS customer customer, you're carefully protected by a privacy policy where personal information is strictly treated as confidential. After all, customer trust is at the heart of every NCFS relationship. And we're serious about maintaining it. We want to make sure you're fully informed about NCFS’ Privacy Pledge and how it safeguards your information, what information is collected, and how it is used. This notice explains our privacy policy and demonstrates our commitment to maintaining the highest level of security, privacy, and confidentiality possible.