Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all   sharing.  Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice   carefully to understand what we do.

  The types of personal information we collect and share depend on the product or service you have with us. This information includes:

     *  Social Security Number and Income
     *  Account Balances and Payment History
     *  Credit History and Employment Information

  When you are no longer our customer, we continue to share your information as described in this notice.

  All financial companies need to share customers' personal information to run their everyday business.  In the section below, we list the   reasons financial companies can share their customers' personal information; the reasons Friendly Finance Corporation chooses to   share; and whether you can limit this sharing.

  To protect your personal information from unauthorized access and use, we use security measures that comply with   federal law.  These measures include computer safegaurds and secured files and buildings.

  All discarded personal information is securely shredded through the services of a compliant information destruction   company.

  We collect your personal information, for example when you

     *  Apply for a loan or provide employment information
     *  Pay by check or give us your income information
     * Use your credit or debit card

  We also collect your personal information from others, such as credit bureaus, affiliates, or other companies

  Federal law give you the right to limit only

     *  Sharing for affiliates' everyday pusiness purposes - information about your creditworthiness
     *  Affilates from using your informnation to market to you
     *  Sharing for nonaffiliates to market to you

  State laws and individual companies may give you additional rights to limit sharing.

  Companies related by common ownership or control. They can be financial and nonfinancial companies.

     *  Friendly Finance Corporation has no affiliates

  Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

     *  Nonaffiliates we share with can include repossession comanies, insurance companies, law firms, credit bureaus,          process servicing agencies, and franchise and independent automobile dealerships.

  A formal agreement between nonaffilated financial companies that together market financial products or services to you.

     *  Friendly Finance Corporation doesn't jointly market