Privacy Notice:

R.E. Michel Company. and each member of our family of companies and subsidiaries (our "Affiliates") strongly believe in protecting the confidentiality and security of the information we collect about our customers. This notice refers to R.E. Michel Company, LLC by using the terms "us" and 'we", or "our". This notice describes our privacy policy and describes how we treat the information we receive (the "Information") about our customers

Why We Collect and How We Use Information

We collect and use information for business purposes with respect to the extension of credit and other business relationships involving you. These business purposes include evaluating a request for the extension of credit, the request for doing business with us involving products or services and processing transactions requested by you. We may also use the Information to offer to you other products or services and to generally evaluate our business relationships with you.

Where We Obtain Information

We get most Information directly from you. The Information that you give us when applying for credit or making purchases generally provides the Informaton we need. If we need to verify Information or need additional Information, we may obtain Information from third parties such as mercantile commercial credit reporting agencies, (if appropriate) consumer credit reporting agencies and other sources permitted by the Fair Credit Reporting Act. Information collected may relate to your fnances, business activities, credit history and other financial characteristics, as well as transactions with us or with others, including our Affiliates.

How We Protect Information

We treat Information in a confidential matter, Our employees are required to protect the confidentiality of Information. Employees may access Information only when there is an appropriate reason to do so, such as to administer or offer products or services, including the extension of credit to you. We also maintain physical, electronic and procedural safeguards to protect Information; these safeguards comply with applicable laws. Employees are required to comply with established policies.

Information Disclosure

We may disclose any Information when we believe it necessary for the conduct of our business, or the disclosure is required by law. For example, Information may be disclosed to others to enable them to provide business services for us, such as helping us evaluate requests for credit extension by you, performing general administrative activities for us and assisting us in processing a transaction requested by you. Information may also be disclosed for auditor research purposes; or to law enforcement and regulatory agencies, for example, to help us prevent fraud. Information may be disclosed to Affiliates, as well as others that are outside of R.E. Michel Company, Inc, such as companies that process data for us, companies that provide general administrative services for us, commercial credit reporting agencies and (if appropriate) consumer reporting agencies. We may make other disclosures as permitted by law.

Information may also be shared with our Affiliates so that they may offer you products or services consistent with your business needs.

Access to and Correction of Information

Generally, upon your written request, we will make available Information for your review. Information collected in connection with, or anticipation of, any claim or legal proceeding will not be made available. If you notify us that the Information is incorrect, we will review it. If we agree, we will correct our records. If you do not agree, you may submit a short statement of dispute, which we will include in any future disclosure of information.

Further Information

In addition to any other privacy notice we may provide, the recently enacted Gramm-Leach-Bliley act (the Financial Services Modernization Act) passed by Congress established new privacy standards, and requires us to provide this summary of our privacy policy to you once each year. You may have additional rights under other appilcable laws such as the Equal Credit Opportunity Act and the Fair Credit Reporting Act.

For additional information regarding our privacy policy, please contact us at:

R.E. Michel Company
One R.E. Michel Drive
Glen Burnie, MD 21060
Attn: Credit Department

Consumer Credit Information

You have the right to prohibit Information in any file with a credit reporting agency from being used in any credit or insurance transactions that you did not initiate. To exercise that right, you may write the following credit bureaus: Experian Credit Marketing, P.O. Box 919, Allen Texas 75013; Equifax Options, P.O. Box 740123, Atlanta, Georgia 30374-0123; and TransUnion Name Removal Opt-Out Request, P.O. Box 97328, Jackson, Mississippi 3288. This only applies to consumer credit information as defined in the Fair Credit Reporting Act