Privacy

FACTS
                     
Rev. January 2011
FACTS       
WHAT DOES DAVE SMITH FRONTIER SALES
DO WITH YOUR PERSONAL INFORMATION?
               
       
Why?
       
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.
       
               
       
What?
       
The types of personal information we collect and share depend on the product or service you have with us. The information can include:      
* Social Security number and income      
* account balances and payment history     
* credit history and employment history     
            When you are no longer our customer, we continue to share your information as described in this notice.
       
               
       
How?
       
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 Dave Smith Frontier Sales chooses to share; and whether you can limit this sharing.   
       
                                                                                                                                                                                                                   
       
Reasons we can share your personal
information
       
Does Dave Smith Frontier Sales share?   
       
       
Can you limit this sharing?   
       
       
     For our everyday purposes-
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
      
Yes   
       
       
No   
       
       
     For our marketing purposes-
to offer our products and services to you
      
Yes   
       
       
No   
       
       
     For joint marketing with other financial companies
      
Yes   
       
       
No   
       
       
     For our affiliates' everyday business purposes--
Information about your transactions and experiences
      
Yes   
       
       
No   
       
       
     For our affiliates' everyday business purposes--
Information about your creditworthiness
      
Yes   
       
       
Yes   
       
       
     For our affiliates to market to you
      
Yes   
       
       
Yes   
       
       
     For our nonaffiliates to market to you
      
Yes   
       
       
Yes   
       
                 
       
Questions?
       
Call 800-635-8000 ext 1216 or to opt out - go to: davesmith.com/optout.htm
       
FACTS | Page 2
             
 Page 2 
                           
       
Who we are
       
       
Who is providing this notice?
       
       
Dave Smith Frontier Sales
       
                                                           
       
What we do
       
       
How does Dave Smith Frontier Sales
      protect my personal information?
       
       
    To protect your personal information for unauthorized access and use, we use security measures that comply with federal law. These measures include computer safegaurds and secured files and buildings.
       
       
How does Dave Smith Frontier Sales
      collect my personal information?
       
       
We collect your personal information, for example, when you          
        * apply for financing               
        * give us your income information or provide employment information               
        * provide account information or give us your contact information       
   We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
       
       
Why can't I limit all sharing?
       
       
Federal law gives you the right to limit only          
        * sharing for affiliates' everyday business purposes--information      about your creditworthiness
        * affiliates from using your information                to market to you
        * sharing for nonaffiliates to market to you
        State laws and individual companies may give you additional rights to limit sharing.   
       
                                                                       
       
Definitions
       
       
Affiliates
       
       
Companies related by common ownership or control. They can be financial and nonfinancial companies.       

        * Our affiliates include; Smith Preferred, Frontier Leasing & Sales.

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

        * Nonaffiliates we share with can include direct marketing companies.

       
   
       
       
Joint Marketing
       
       
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.     

          * Our joint marketing partners include banks and finance companies.
         
   
       
       
Other inportant information
       
       
      I/WE ACKNOWLEDGE THAT I/WE HAVE RECEIVED A COPY OF THIS NOTICE.

                                                                              
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