Our Promise
While information is the cornerstone of our ability to provide superior service, our most important asset is our customer’s trust. Keeping customer information secure, and using it only as our customers would want us to, is a top priority for all of us at First Electronic Bank.

Here, then, is our promise to our individual customers:

1. We will safeguard, according to strict standards of security and confidentiality, any information our customers share with us.
   
2. We will limit the collection and use of customer information to the minimum we require to deliver superior service to our customers, which includes advising our customers about our products, services and other opportunities, and to administer our business.
   
3. We will permit only authorized employees, who are trained in the proper handling of customer information, to have access to that information. Employees who violate our Privacy Promise will be subject to our normal disciplinary process.
   
4. We will not reveal customer information to any external organization unless we have previously informed the customer in disclosures or agreements, have been authorized by the customer, or are required by law or our regulators.
   
5. We will always maintain control over the confidentiality of our customer information. We may, however, facilitate relevant offers from reputable companies. These companies are not permitted to retain any customer information unless the customer has specifically expressed interest in their products or services.
   
6. We will tell customers in plain language, initially and at least once annually, how they may remove their names from marketing lists. At any time, customers can contact us to remove their names from such lists.
   
7. Whenever we hire other organizations to provide support services, we will require them to conform to our privacy standards and to allow us to audit them for compliance.
   
8. For purposes of credit reporting, verification and risk management, we will exchange information about our customers with reputable references sources and clearing-house services.
   
9. We will not use or share internally or externally-personally identifiable medical information for any purpose other than the underwriting or administration of a customer’s policy, claim or account, or as disclosed to the customer when the information is collected, or to which the customer consents.
   
10. We will attempt to keep customer files complete, up to date, and accurate. We will tell our customers how and where to conveniently access their account information (except when we are prohibited to do so by law) and how to notify us about errors, which we will promptly correct.
    
11. Our website offers you the opportunity to view your current account information and make payments online, in addition to providing general information about our company and products. You may view our Privacy Notice when you visit our website by clicking on the “Privacy Notice” link. We reserve the right to change our privacy practices at any time in accordance with applicable law. Notice of such changes will be provided as required by applicable law.

Keeping customer information secure is a top priority for all of us at First Electronic Bank. We are sending you this privacy notice to help you understand how we handle the personal information about you that we collect and may disclose. This notice tells you how you can limit our disclosing personal information about you. The provisions of this notice will apply to former customers as well as current customers unless we state otherwise.

Our Policies and Practices to Protect Your Personal Information
We protect personal information we collect about you by maintaining physical, electronic, and procedural safeguards that meet or exceed applicable law. Third Parties who have access to personal information must agree to follow confidentiality.

We train people who work for us how to properly handle personal information, and we restrict access to it.

Categories of Personal Information We Collect and May Disclose
The personal information we collect about you comes from the following sources:

• Information we receive from you on applications or other forms, such as your name, address, and telephone number,
• Information about your transactions with us, our affiliates, or nonaffiliated third parties, such as your account balances, payment history, and account activity,
• Information we receive from a consumer reporting agency, such as your credit bureau reports and other information relating to your credit worthiness, and
• Information we receive about you from other sources, such as your employer and other third parties.

Categories of Affiliates To Whom We May Disclose Personal Information
Our affiliates are the family of companies controlled by Fry’s Electronics, Inc. Affiliates to whom we may disclose personal information about you are in several different businesses, including retail, insurance and internet services.

Categories of Nonaffiliated Third Parties To Whom We May Disclose Personal Information
Nonaffiliated third parties are those not part of the companies controlled by Fry’s Electronics. We may disclose personal information about you to the following types of nonaffiliated third parties:

• Financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities, and insurance,
• Non–financial companies, such as companies engaged in direct marketing and the selling of consumer products and services.

If you check Box 1 on the Privacy Choices Form, we will not make these disclosures except as follows. First, we may disclose information about you as described above in “Categories of Personal Information We Collect and May Disclose” to third parties that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Second, we may disclose personal information about you to third parties as permitted by law, including disclosures necessary to process and service your credit card account.

Your Privacy Choices
This section describes your privacy choices. Please remember that we will continue to protect your personal information regardless of your privacy choices.

Special Note to Joint Fry’s Credit Accounts: privacy choices made by either the primary or secondary account holder will apply at the account level and affect both parties.

Disclosing to Nonaffiliated Third Parties (Box 1)
As described in this notice, we will limit the personal information about you that we disclose to nonaffiliated third parties if you check Box 1 on the Privacy Choices Form.

Sharing with First Electronic Bank Affiliates (Box 2)
The law allows us to share with our affiliates any information about our transactions or experience with you. Unless otherwise permitted by law, we will not share with our affiliates other information that you provide to us or that we obtain from third parties (for example, credit bureaus) if you check Box 2 on the Privacy Choices Form.

Our Mailing and Telemarketing Lists (Boxes 3 and 4)
We would like to keep you informed about promotional offers from our affiliates and from nonaffiliated third parties. If you wish to be taken off our mailing and/or telemarketing lists that we use for such offers, please check Box 3 and/or Box 4 on the Privacy Choices Form.

We will continue to mail you information that you may find valuable in managing your credit card account, such as notice of special balance transfer rates, credit line increases, and new or upgraded card products and services even if you have checked Box 3. We will also continue to send you promotional offers from third parties, but only through your billing statement.

Please allow approximately 30 days from our receipt of your privacy choices for them to become effective. Your privacy instructions and any previous privacy instructions that you may have given us will remain in effect until you request a change.

DOWNLOAD PRIVACY CHOICES FORM HERE

Privacy Choices Form