This Privacy Policy Notice explains the privacy policies of AFWES. We are committed to protecting our customers' privacy and security. This Privacy Policy Notice explains our information collection and sharing practices. It identifies the sources from which we collect nonpublic personal information about you, details the measures we take to secure that information, and describes the information about you that we may share. This Privacy Policy Notice also addresses information sharing with consumer reporting agencies. Finally, this Privacy Policy Notice explains how you can exercise your privacy rights by electing to opt out of certain information sharing practices that we would otherwise apply to your nonpublic personal information.

DEFINITIONS
We, our, and us, means AFWES.

You and your mean clients with an AFWES account.

Nonpublic personal information means information about you that we collect in connection with providing 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.

Affiliate means a company AFWES owns or controls. Ownership does not mean complete ownership, but means owning enough to have control.

Nonaffiliated third party means a company that is not an affiliate of AFWES.

Opt-out means a choice you can make to prevent certain sharing or use of information. We will explain how you can exercise this choice.

INFORMATION WE COLLECT
We collect information about you from the following sources:

• Information we receive from you, including information on applications or other forms, such as your name, address, social security number/business.
• Information about your transactions with our affiliates, others, or us such as your account balance, transaction and payment history.
• Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.

INFORMATION WE DISCLOSE
We may disclose all of the information that we collect, as described above. You may opt out of the disclosure of such information, other than as permitted by law.

INFORMATION WE DISCLOSE TO SERVICE PROVIDERS OR FOR JOINT MARKETING
We may disclose all of the information we collect, as described above, to companies that perform marketing services for AFWES or on our behalf. You do not have a right to opt out of the disclosure of this information.

NOTICE OF FURNISHING NEGATIVE INFORMATION
TO CONSUMER REPORTING AGENCIES
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
All of our employees are responsible for protecting the confidentiality of customers' financial and other personal information. Employees are bound by this Privacy Policy Notice and are educated on implementing our privacy and information security policies. Only employees actively engaged in their assigned duties are authorized to access or use customer information. We maintain physical, electronic and procedural safeguards to comply with federal standards to store and secure information about you.

INFORMATION ABOUT FORMER CUSTOMERS
The privacy policies and practices described in this Privacy Policy Notice also apply to our former customers.

YOUR RIGHT TO BLOCK THE DISCLOSURE
OF YOUR NONPUBLIC PERSONAL INFORMATION
If you prefer that we not disclose nonpublic personal information about you to third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than as permitted by law). To opt out, follow the instructions contained on the following Opt Out Notice. You will check the appropriate box or boxes, sign the notice, address and stamp your own envelope, and mail the card to us by ordinary mail.

YOUR RIGHT TO LIMIT MARKETING
You may limit our affiliates from marketing their products or services to you based on information that we share with them, such as your income, your account history with us, and your credit score. This limitation does not apply in certain circumstances, such as if you currently do business with one of our affiliates or if you ask to receive information or offers from them. To limit marketing by our affiliates, follow the instructions contained on the Opt Out Notice below. You will check the appropriate box, sign the notice, address and stamp your own envelope, and mail the card to us by ordinary mail.

CONSEQUENCES OF OPTING OUT
Your decision to block the disclosure of your information or to limit marketing by our affiliates will apply to information collected in connection with your AFWES account. If you wish to opt out of information sharing with respect to your AFWES account you must provide us with an Opt Out instruction by using and mailing in the form on this page. If you previously provided us with an opt out instruction with respect to another account issued by AFWES, we will continue to honor that instruction; you may, but need not, complete another opt out instruction. Your election to opt out will not block our sharing of all the information we collect with companies that perform marketing services on behalf of AFWES or with financial institutions with which AFWES has a joint marketing agreement. Additionally, your election to opt out will not prevent us from disclosing to our affiliates the information we obtain from our transactions and experiences with you; however, our affiliates will not use such information for marketing purposes if you have directed them not to do so. Finally, we will continue to make certain other disclosures of your nonpublic personal information as permitted by law.

OPT-OUT NOTICE
You may opt out by (1) printing out this document, (2) checking the appropriate box or boxes below (check each box that applies), (3) detaching this along the line above, and (4) mailing this Opt Out Notice to AFWES at the following address:

AFWES/Opt-Out, 1177 Saint Clair Avenue, Lindenwald, OH 45015-2051.

Signature:________________________________________________________________

Name:___________________________________________________________________

Business Name:___________________________________________________________

Street Address:___________________________________________________________

City and State:___________________________________________________________

Date:_______________________________________________