CROSS CREEK ADMISSIONS - OnLine Loan Application

IMPORTANT SUPPLEMENTAL INFORMATION FOR
VERMONT RESIDENTS

This Supplemental Information modifies and supercedes certain provisions of CrossCreek's Privacy Policy for Vermont residents. Except as modified below, the provisions of CrossCreek's Privacy Policy apply to Vermont residents.

For Vermont residents, the "opt out" procedures to limit information sharing described in CrossCreek's Privacy Policy do not apply. Instead, unless you "opt in" to information sharing, we will not disclose information about you to nonaffiliated third parties or to other Cross Creek companies, except as described below under "Permitted Information Sharing Regardless of Opt In."

Permitted Information Sharing Regardless of Opt In
It is important to understand that even if you do not opt in to information sharing, Cross Creek Admissions is still permitted by law to disclose information about you in the following circumstances:

To other Cross Creek companies. We may disclose to other companies in the Cross Creek family identification information and information on our own transactions and experiences with you.
To our nonaffiliated marketing partners. We may disclose information about you to nonaffiliated third parties that help us to market our own products and services, as well as to other financial institutions with whom we jointly market their products or services. However, the information we may share about you with other financial institutions to jointly market products will be limited to your contact information (such as name, address and phone number) and information about your transactions and experiences with the Cross Creek family of companies.
With others, as permitted by law. We may also disclose information about you to other Cross Creek companies and to nonaffiliated third parties when it is permitted by law. For example to comply with a legal requirement or process; to comply with your request or authorization to disclose.

Opt In to Additional Information Sharing
If you wish to opt in to authorize sharing of information in addition to the permitted sharing described above, your opt in authorization can apply to either external information sharing or internal information sharing, or both. External and internal information sharing are described below.

External Sharing - Nonaffiliated third parties. You may elect to opt in to information sharing with nonaffiliated third parties (companies that are not part of the Cross Creek family of companies), in addition to those nonaffiliated third parties with which we are otherwise permitted by law to share information, as described above. These additional nonaffiliated third parties may offer you other financial or nonfinancial products and services that could benefit you.
Internal Sharing - Cross Creek family of companies. You may elect to opt in to the sharing of all information we have concerning you among the Cross Creek family of companies not limited to the information with which we are otherwise permitted by law to share with our affiliates, as described above. Sharing full information among Cross Creek's family of companies increases your access to our products and services, allows us to match our products and services to your specific needs, as well as simplifies transaction flows.

Your election(s) to opt in will apply to all products and services you obtain within the Cross Creek family of companies for personal, family or household purposes.

Joint Accounts
If you have a product or service jointly with another person(s), we will not disclose information about the joint account pursuant to an opt in authorization, except as otherwise permitted by law, unless all joint accountholders have opted in.

Health or Medical Information
Regardless of whether you have opted in, we will not share any personal health or medical information we may have without your written consent or otherwise as permitted by law. Health or medical information may include insurance application information, other health information you may provide in connection with one or more existing accounts, or information provided to us with regard to an insurance claim.

For More Information, to Opt In or to Revoke a Previous Opt In
If you would like more information about your options, or wish to opt in to information sharing, please call our dedicated Privacy Line toll free at 1-800-808-6228 to request a pre-printed opt in form be mailed to you. If you opt in to information sharing and later wish to revoke that election, you may do so at any time by calling our toll free Privacy Line to change your preference.

Please note: The automatic opt out of information sharing we record on your behalf to comply with Vermont state law will continue for as long as our records indicate you are a Vermont resident. If our records show you no longer reside in Vermont, your information sharing status will revert back to the sharing preference you directly elected with Cross Creek Admissions. For example, if at any time you had called Cross Creek Admissions to opt out of information sharing, that preference will then be effective once the automatic opt out is removed. However, if you have not directly recorded an opt out preference with Cross Creek Admissions, and you want to continue to restrict information sharing after moving outside Vermont, you must do so by calling our Privacy Line.

Please retain a copy of this Supplemental Information, together with the Cross Creek Privacy Policy, for your records. This Supplemental Information may be amended from time to time. You will be notified in writing of any changes.