GoTripGo limits the collection of information about our customers to what we need to know to administer their accounts, to provide customer services, to offer new products and services, and to satisfy any legal and regulatory requirements. We also tell our customers about the general uses of information we collect about them, and we will provide additional explanation if customers request it.

• Our businesses give customers "opt out" choices about how information about the customer's relationship with that business unit may be used to generate marketing offers.

• We use advanced technology, documented procedures and internal monitoring practices to help ensure that customer information is processed promptly, accurately and completely. We will respond in a timely manner to customers' requests to correct inaccurate account or transaction information. We also require high standards of quality from the consumer reporting agencies and others that provide us with information about prospective customers.

• We limit access to customer information systems to those who specifically need it to conduct their business responsibilities, and to meet our customer servicing commitments. We employ safeguards designed to protect the confidentiality and security of our customer information.

• We do not disclose customer information unless we have previously informed or been authorized by the customer, or we do so in connection with our efforts to reduce fraud or criminal activity and to comply with regulatory requirements and guidelines. When a court order or subpoena requires us to release information, we typically notify the customer to give the customer an opportunity to exercise his or her legal rights. Further, we will not disclose or use health information for marketing purposes or use it as a basis to make credit decisions.

• If we deny an application for our services or end a customer's relationship with us, to the extent permitted by applicable law, we will provide an explanation, if requested. We state the reasons for the action taken and the information upon which the decision was based, unless the issue involves potential criminal activity.

• Each GoTripGo employee is responsible for maintaining consumer confidence in the company. We provide training and communications programs designed to educate employees about the meaning and requirements of these Customer Privacy Principles. Employees who violate these Principles are subject to disciplinary action, up to and including dismissal.

• We require companies we select as our business Companies to agree to keep our customer information confidential and secure, to protect the information against unauthorized access, use, or redisclosure by the recipient company, and limit its use to the purposes for which it was provided to them. We also encourage our business Companies to respect their customers' information by adopting strong and effective privacy policies and practices, including offering "opt out" choices for marketing offers to their customers. In addition, we participate actively in industry associations to advocate development of comprehensive privacy policies and implementation strategies.