Home Credit Corporation takes pride in providing a high level of customer service and in developing strong relationships with our customers. We are committed to maintaining integrity, and fairness in our business. In addition, it is a key priority for us to keep your information safe and secure. Accordingly, we do not sell any non-public personal information pertaining to our customers.

We have adopted the following Privacy Policy regarding your non-public personal information:

We collect non-public personal information about you from the following sources:

* Information we receive from you on application or other forms (such as your name, address, and social security number);

* Information about your transactions with us, our affiliates – companies in which we share common ownership or other interest, or others (such as account balance, payment history, and parties to transactions); and

* Information we receive from a consumer-reporting agency (such as your credit history).

We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.

However, we may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutes with who we have joint marketing agreements. For example, we may disclose non-public personal information (such as your name and mailing address) about you to nonaffiliated third parties (companies which are unrelated to us) for the purpose of performing services for us and our affiliates, such as advertisement mailings to you.

When your account is closed or paid-off or when you do not have any open accounts with us, we will adhere to the privacy policies and practices as described in this notice.

In addition, you should also know that we restrict access to your personal and account information 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 non-public personal information.

If you have any questions regarding this Notice or Privacy Policy, please write or call us at:

Notice Pursuant to 15 U.S.C. §1681a(d)(2)(A)(iii) – We may share among our affiliated information as to experiences and transactions between you and one or more of our affiliates. Also, we may share among our affiliates other information about you (such as information you provided on your loan application) (“Other information”). You may prohibit the sharing of only the “Other information” if you choose to do so, please write us at: Home Credit Corporation, Inc., P.O. Box 845, Henderson, NC 27536.

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