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Our mission is to provide you with superior products and services, along with the peace of mind knowing that your privacy is secure. We understand your concerns about guarding information about you and your loan or line of credit ("Loan"). We want to assure you that we have taken steps, and will continue to take steps, to safeguard that information.

This Privacy Policy describes our efforts to meet these objectives. It includes a summary of the following important information:

• A listing of the personal information we collect
• The circumstances in which we may share information with others
• The ways we safeguard the confidentiality and security of information
• The steps you may take to limit our sharing of such information with others. See Section 4 for complete details

Please read our Privacy Policy carefully. It will help you understand how we collect and share information.

1. What Personal Information Do We Collect?

To serve you better and manage our business, it is important that we collect and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from consumer reporting agencies, and from other sources, such as our Web sites. For example:

• We may obtain information such as your name, address, date of birth, income, assets, and liabilities from applications and other forms you submit to us
• We may obtain information such as loan balances, account balances, payment history and your use of your Loan from your transactions and other dealings with us and others
• We may obtain information such as the balances of your loans and credit cards with other lenders and your payment history with others from consumer reporting agencies
• We may obtain information such as your Internet service provider, your domain name, your computer's operating system and Web browser, your Web site use, and your product and service preferences from your visits to our Web sites

2. Is Personal Information Shared with Others?

We limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer may come to us with a special offer for our Customers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Customers who may be interested in the offer based on certain characteristics. We will send the offer directly to those Customers on behalf of the retailer by, for example, including an insert in their monthly billing statement or mailing the offer ourselves. We control the information used to make the offer; we do not share the list or any personal information with the retailer. However, please understand that if you do receive this type of offer from us and choose to take advantage of it, the retailer may learn information about you because only Customers with certain characteristics received this offer.

There are, however, circumstances in which we may share the information we collect about you, as described in Section 1, with other companies in order to provide you with access to products and services and to service your Loan effectively, as detailed below. We require these companies to adhere to our privacy standards and to use this information only for the limited purpose for which it was shared. We do not allow them to disclose it to others without our prior approval.

a. Sharing Personal Information with Our Corporate Family

AmeriFleet Capital offers a wide variety of products and services that can help you manage your finances. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer other lending services, securities and asset management services, investment opportunities and mutual funds, and may include non-financial service providers in the future as our corporate family continues to grow.

b. Sharing Personal Information with Non-Affiliated Parties for Marketing Purposes

We may share the information we collect about you, as described in Section 1, with non-affiliated third parties in order to provide you with access to products and services offered directly by these companies that may be of value to you. These companies include financial service providers such as insurance companies, and non-financial companies such as retailers.

c. Sharing Personal Information with Others

We may share the information we collect about you, as described in Section 1, with companies that perform support or marketing services on our behalf, such as mailing, market research and data processing; other financial institutions with which we have joint marketing agreements; or companies that are our partners for incentive or reward programs. We may also share such information as permitted by law.

3. How Do We Protect the Confidentiality, Security and Integrity of Information About You?

We maintain physical, electronic and procedural safeguards to protect information about you. Access to such information is restricted to individuals who need it in order to service your Loan or provide products and services to you, and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to our disciplinary process. Where third parties provide support services, we require them to conform to our privacy standards.

It is important that the information we maintain about you is accurate and complete. If you see information in your monthly billing statements or elsewhere which suggests that our information is incomplete or inaccurate, please write us at AmeriFleet Capital Inc., 1005 Sycolin Road, Suite 200, Leesburg, VA 20175 so that we can update this information.

4. How Can You Limit Sharing of Information About You?

We respect your privacy and offer you choices as to whether we may share information about you with others. If you prefer that we not share the information we collect about you, as described in Section 1, with non-affiliated third parties or if you prefer that we not share information with companies in our corporate family, you may opt out, that is, you may direct us not to share that information. If you indicate a preference that we do not share that information, please understand that you will not receive offers for products or services provided by other companies that could help you lower your costs, maximize your financial resources and manage your finances.

To indicate your preferences, call us at 1-800-390-4324 or write to us at AmeriFleet Capital Inc., 1005 Sycolin Road, Suite 200, Leesburg, VA 20175. If you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences.

Your written request should include your name, address, telephone number and Loan number(s) and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you directly and not through a third party. You will need to provide us with your preferences for each Loan you have with us.

You may notify us about your preferences at any time. Your request will remain in effect until you notify us otherwise. We will honor your request and not share the information we collect about you, except as permitted by law. For example, federal law permits us to share information about you with consumer reporting agencies, service providers and marketing partners. It also permits us to share information about our experiences and transactions with you, such as your Loan balance and payment history, with other members of our corporate family. If you are a new Customer, we will not share any information about you, except as permitted by law, for thirty days after we provide this Policy to you in order to give you an opportunity to inform us about your preferences. If you are an existing Customer, please understand that you may continue to receive marketing offers directly from other companies that were already in production prior to the processing of your request.

This Privacy Policy is provided to the primary Customer listed on the Loan. However, any joint Customer has the right to notify us about preferences and we will treat that request as applying to the entire Loan. We do not share information about former customers, except as permitted by law.

5. How Can You Learn of Changes to this Policy?

Visitors to our Web sites may view our most current Privacy Policy at any time by clicking on the "Privacy Policy/Security" link at the top of each homepage and most other pages of our Web sites.

This Privacy Policy is provided to you by AmeriFleet Capital Inc., and applies to loan or line of credit you may have with us. You may have other rights under state laws that apply to your financial information. Please note that you will also receive privacy notices for other Loans you have with us, as well as other financial products and services provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice.