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AIG Federal Savings Bank (“AIG Bank”) is committed to respecting your privacy. The following privacy policy outlines what nonpublic personal information we collect, how we protect nonpublic personal information, and how we share nonpublic personal information.

1. What Information We Collect
   
   We collect nonpublic personal information about you from the following sources:
   
   • Information we receive from you on applications or other forms;
   • Information about your transactions with us, our affiliates, or others; and
   • Information we receive from a consumer reporting agency.
   
   
2. What Information We May Disclose
   
   We may disclose the following kinds of nonpublic personal information about you:
   
   • Information we receive from you on applications or other forms in writing, verbally, or electronically, such as your name, address, social security number 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 creditworthiness and credit history, and
   • Information we receive about you from other sources, such as your employer and other third parties.
   
   
3. How We Protect Information
   

   We take a number of steps to safeguard your information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Access to nonpublic personal information about you is restricted to only those employees or servicers who need the information to provide products or services to you. We strive to keep our records of our information about you accurate and up-to-date. If you tell us of an error, we will update our records promptly.

4. Who the Information May Be Shared With

   SHARING INFORMATION WITHIN THE AIG CORPORATE FAMILY: We are permitted under law to share information about our experiences or transactions with you or your account with companies related to us by common control or ownership ("affiliates"). We may share information about our experiences or transactions with you or your account with financial and nonfinancial affiliated companies. Our affiliates include companies with an American International Group, Inc.(“AIG”) name; financial companies such as SunAmerica, SunAmerica Annuity and Life Assurance Company, SunAmerica Life Insurance Company, SunAmerica Capital Service, Inc., SunAmerica Mutual Funds, SunAmerica Asset Management Corp., SunAmerica Affordable Housing Partners, VALIC, Western National Life Insurance Company, Royal Alliance, FSC Securities Corp, SagePoint Financial, American General Life Companies, AGLA, American General Assurance Company, Chartis Inc., Matrix Direct; nonfinancial companies, such as International Lease Finance Corp., AIG Commercial Asset Finance, Travel Guard, United Guaranty Corporation, and others, such as Stowe Mountain Resort.
   
   SHARING INFORMATION OUTSIDE THE AIG CORPORATE FAMILY: If a financial institution shares certain types of information with third parties, it must provide an opt out right. We have decided not to share your information in those ways. This means we have opted out on your behalf and you don't need to take further action. We may disclose all of the information we collect, as described in the section labeled "WHAT INFORMATION WE MAY DISCLOSE", to companies that perform marketing services on our behalf. We may also disclose nonpublic personal information to nonaffiliated third parties as permitted by law. For example, we may disclose nonpublic personal information for your everyday business purposes, such as to process transactions, maintain accounts(s), and respond to court orders and legal investigations.

5. Our Former Customers

   If you close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

6. State Law

   You may have additional privacy rights under applicable state law.
   
   California Residents:
   In accordance with California law, AIG Bank will limit sharing among our family of companies to the extent required by California law.

7. Collection of Anonymous Information

   When you use our online products and services, we may use a service that collects data remotely by using "web beacons" or tags embedded in our site’s content. The data we collect includes which operating system and browser you use, how you navigate to and through our site, and how long you stay on our web pages. This information is anonymous and does not include your name, e-mail address, or any other contact information. We share this information with our corporate affiliates and with our third party vendor, Omniture, Inc. Omniture gives us reports of this aggregated, anonymous data, and we use the data to improve our site by responding to our users’ interests and providing information designed to be more relevant and useful to you. To learn more about Omniture’s privacy standards and use of web beacons, please visit http://www.omniture.com/company/acquisitions/visualsciences/privacy/policy.

Questions

If you have any questions regarding our privacy policy, please contact us at. You can also reach us by phone at 1-877-238-5221, or by mail at AIGBank.com Privacy, P.O. Box 8733, Wilmington, DE 19899-8733.