We, our and us, when used in this notice, mean SmartVALoans.com. This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:
• Deposit account
• Loan account
• Credit card
• Safe deposit box
• Home mortgage brokerage

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We first define some terms. Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. A nonaffiliated third party is a company that is not an affiliate of ours.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITYAND INTEGRITY OF YOUR NONPUBLICPERSONAL INFORMATION We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES We will not disclose nonpublic personal information about former customers, except as permitted by law. AUTHORIZED SHARING OUTSIDE MARKETING SERVICES We may disclose the following information to companies that perform marketing services on our behalf:
Ø Nonpublic personal information we receive from you on an application or other forms, such as:

• Name
• Address Federal law allows us to disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information for outside marketing purposes:

• Service providers that perform marketing services for us
• Direct sales companies

Here is why we may disclose nonpublic personal information about you to companies that perform marketing services on our behalf:

• To provide our customers with information about additional products and services

NONPUBLIC PERSONAL INFORMATIONAND AFFILIATES – FUTURE CHANGES In the future, we may disclose nonpublic personal information about you to affiliates, even though we are not doing so now. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Transaction and experience information from our account records:

Information about your transaction and experience with us, such as:

• Name
• Address
• Phone Number and e-mail addresses
• Account balances
• Account activity
• Types of accounts
• Credit card usage
• Payment history
• Deposit history
• Parties to the transaction
• Social security number Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates

We may disclose nonpublic personal information about you in the future to the following types of affiliates:
Ø Financial service providers, such as

• Mortgage bankers
• Securities broker-dealers
• Insurance agents

Here is why we may disclose nonpublic personal information about you in the future to our affiliates:

• To provide our customers with information about additional products and services
• To evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves
• Many customers want to know the individual pieces of their overall plan We reserve the right to change this privacy policy periodically. Please reference this page periodically for further revisions and updates

How Can You Contact SmartVALoans.com If You Have Questions About This Privacy Statement?
In Person or U.S. Mail: 1155 Adams St. Suite 100, Kansas City, Kansas 66103
Tele. No.: 866-946-1233
E-mail: sales@smartvaloans.com