PRIVACY NOTICE

This Privacy Notice explains the dealership's privacy policies and
practices, and lists the types of information we collect, with whom we share
the information, and how you can direct us not to share certain information
with certain third parties. The practices described in this policy are
applicable to current and former customers and to consumers who do business
with us. The policy also explains how we protect the confidentiality and
security of our customer information.

1. 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, our affiliates or
     others; and
     
     
   • Information we receive from a consumer reporting agency (e.g., credit
     bureau).
     
   
   
2. We may disclose all of the information we collect about you as
   described above, to our affiliates and to non-affiliated third parties. An
   affiliate means any company that controls, is controlled by, or is under
   common control with the dealership.
   
   
3. We may disclose nonpublic personal information about you to the
   following types of third parties:
   
   
   
   • Financial service providers, such as financial institutions,
     leasing companies, and/or installment sales companies;
     
   • Non-financial companies, such as automobile manufacturers,
     insurance companies, and/or market research firms, and;
     
   • Others, such as outside companies or parties that can offer
     additional products to you.
     
   
   
4. We may also disclose nonpublic personal information about you to
   non-affiliated third parties as permitted by law.
   
   
5. If you prefer that we not disclose nonpublic personal information about
   you to nonaffiliated third parties, you may opt out of those disclosures;
   that is, you may direct us not to make those disclosures (other than
   disclosures permitted by law).
   
   
6. We may also disclose all of the information we collect about you as
   described above to companies that perform marketing services on our behalf
   or the financial institutions with whom we have joint marketing agreements.
   This disclosure is permitted by law; there is no opt-out opportunity
   available.
   
   
7. We restrict access to nonpublic personal information about you to those
   dealership personnel who need to know that information in order to determine
   your eligibility for and to provide you with products and services, and to
   others who are subject to confidentiality provisions and restrictions that
   prohibit use of information beyond the performance of specified services on
   your behalf. To guard your nonpublic personal information, we maintain
   physical, electronic, and procedural safeguards that comply with federal
   standards.