CUSTOMER PRIVACY NOTICE

Our Commitment to our Customers

We are committed to carefully guarding the private information you entrust to us. Our customers' trust is our primary focus. We are supplying this privacy notice to inform you how we protect the personal information we obtain about you. You can be assured that we will abide by both federal and state law in the protection of your personal information. These statements apply to both our current and former customers.

Your Information

The term "information" means information that specifically identifies you. We only collect information that is needed to serve you and administer our business. We do not sell nonpublic personal information of our customers.

Information We May Collect

In the normal course of conducting business we may collect your private information such as name, address, telephone number, social security number, income, marital status, employment and similar personal and credit information from a variety of sources including:

• Information you provide to use on your applications.
• Information about your transactions and account experience with us, such as account balance, payment history, and account usage.
• Information from third parties such as consumer credit reporting agencies regarding your credit worthiness or credit history
• Information from other outside sources regarding your employment, credit, or other relationships.

The Control and Sharing of Your Non-Public Personal Information

We use your information for identification and credit approval purposes and to help us provide you the products and services you request. We share your information with consumer credit reporting agencies pursuant to the Fair Credit Reporting Act. We may also share your information as permitted or required in response to a subpoena or legal process. We share any medical information only for the underwriting or administration of your credit insurance policy or claim. We may also share your information with any of our affiliates in order to service your account. We may also make disclosures to nonaffiliated third parties as permitted by law.

We do not sell or give out your information to telemarketers or other external marketing companies to contact you for their products and services.

Please note that some third parties may have access to the same information related to Farmers Home Furniture customers that has been obtained independently of Farmers Home Furniture and therefore is not within Farmers Home Furniture's control.

How We Protect Your Non-Public Personal Information

We restrict access to your private information to only the employees of Farmers Home Furniture and others that need to know the information to provide our services to you or to provide services to us. We maintain physical, electronic, and procedural safeguards in accordance with standards and procedures to guard your private information from unauthorized disclosure.

This Privacy Notice and our practices are subject to change and as any material changes occur, we will advise our customers.

Opt Out

Farmers Home Furniture reserves the right to disclose non-public personal information to nonaffiliated third parties as described above or as permitted by law.

If you prefer that we not disclose your non-public information to nonaffiliated third parties, you may "Opt Out", in writing, and direct us not to make such disclosures (other than disclosures as described above or as otherwise permitted by law).

If you wish to "Opt Out", you may write to us at:

Opt Out Administrator
P.O. Box 1140
Dublin, Ga
31040

Your notice to us should include your signed statement that "Except as required or permitted by law, please do not share my non-public personal information with nonaffiliated third parties", plus your name, address, telephone number and account number.