Customer Privacy Principles

At L&L:

• WE COLLECT ONLY CUSTOMER INFORMATION THAT IS NEEDED, AND WE TELL CUSTOMERS HOW WE USE IT. We limit 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.
• WE GIVE CUSTOMERS CHOICES ABOUT HOW THEIR INFORMATION WILL BE USED. Our business gives customers "opt out" choices about how information about the customer's relationship with that business unit may be used. We do not share any customer information with third parties except as required by law.
• WE ENSURE INFORMATION QUALITY. 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 USE PRUDENT INFORMATION SECURITY SAFEGUARDS. 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 LIMIT THE DISCLOSURE OF 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.