Financing for your practice. And so much more.

This page presents the Matsco Privacy Policy, which describes how we use and protect information provided by individuals in connection with business loans. We believe that protecting your privacy is an integral part of the service we provide to you. This is why we do not share customer information with outside parties who may wish to market their products to you.

Please share this information with all individuals who provide personal financial information in connection with an account. This disclosure applies to individual owners, partners, shareholders, officers and guarantors (collectively referred to as "principals") of businesses with a relationship with Matsco, a division of Wells Fargo Bank, N.A..

• We do not sell customer information to third parties.
• We do not share customer information with outside parties who may wish to market their products to you.
  You do not have to take any action or instruct us to keep your information confidential. We will protect your privacy automatically.
• Within Matsco, we safeguard your customer information carefully.
  You have choices about how your information may be shared and used within Matsco. We have made it easy to communicate your privacy preference to us. See below for further details.
• We are committed to protecting your customer information in every transaction, at every level of our organization.
  For this purpose, we have designed procedures, standards and technology, which are described on this page.
• We are committed to helping you protect your privacy every day.
  Below you’ll find tips to help you protect yourself from identity theft, and limit direct marketing from outside companies.

How We Protect and Use Customer Information

1. We begin by safeguarding the security and integrity of customer information.
   We are committed to protecting the security and integrity of customer information through procedures and technology designed for this purpose. For example:
• We limit employee access to customer information to those who have a business reason to know this information. Employees are required to honor our code of conduct, which includes standards to protect customer confidentiality. They are subject to disciplinary action if they fail to do so.
• We maintain policies and procedures covering the proper physical security of workplaces and records.
• Our physical, electronic, and procedural safeguards meet or exceed federal standards regarding the protection of customer information.
• We require independent contractors and outside companies who work with us to adhere to strict privacy standards through their contracts with us.
• We use technological means (such as backup files, virus detection and eradication software, firewalls, and other computer software and hardware) to protect against unauthorized access or alterations to customer data.
2. We collect and maintain customer information as part of servicing your account and your customer relationship.
   In the course of serving you, we collect information about you and your business from a variety of sources, such as:
• Information you provide to us on applications or forms, such as your income and accounts with others;
• Information we receive from an outside company, such as a business or consumer reporting agency, regarding your credit history or employment status.
3. The customer information we collect is used to service your accounts and meet your financial needs.
   Information may be used among departments within Matsco, as well as with authorized third parties (described below in Frequently Asked Questions), for a number of purposes, such as:
• To protect your accounts from unauthorized access or identity theft.
• To process your requests such as loan applications and purchases.
• To service your accounts by issuing checks and account statements and paying vendors.
• To keep you informed about financial services of interest to you.
4. We do not share information with outside parties who may wish to market their products to you.
   We may disclose the information we collect, as described above, with nonaffiliated third parties that are acting on our behalf, including:
• Companies that perform support services for us, such as data processors, technical systems consultants and programmers, check printers, or companies that help us market Matsco products and services to you. We may also share certain information with companies that help us conduct surveys or marketing research.

There are other situations when we may disclose to third parties the customer information we collect as permitted or required by law. Third parties could include government entities, courts or other entities (in response to subpoenas and other legal processes), and those with whom you have requested us to share information.

Important Notice about Credit Reporting:

We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.

It is important to note that we do not share customer information with other companies for the purpose of marketing their products to you, unless you specifically request in advance that we do so. It is not necessary for you to instruct us not to share information with these outside companies, because we will automatically keep your information confidential.

5. Within Matsco, we share information so that we can work together to serve you.
   We may disclose all of the information we collect, as described above, within Matsco and the Wells Fargo banking family, including:
• Our administrative and service units that, for example, service your accounts or prepare your account statements.
• Wells Fargo Bank units that provide financial and other services. These include consumer bankers, commercial bankers, and consumer lenders.
6. Important contact information for current customers.
   Please note that if you choose not to receive solicitations by direct mail or telephone, you may continue to receive marketing information by mail about your existing Matsco accounts or receive survey calls. Marketing information may be included in regular account mailings and statements, or when you visit us online.

Some state laws may impose additional restrictions on disclosure of information about customers for certain purposes in those states.

Matsco Is Committed to Your Privacy

Matsco does not sell customer information or share it with outside third parties who may wish to market their products to you. We will protect your privacy automatically.

Links to non-Matsco sites

Matsco provides direct links to third-party providers on its website. While we feel confident that these providers will provide excellent products and services, we are not responsible for the information collection practices of the non-Matsco links you click to from our web pages. We cannot guarantee how these third parties use cookies or whether they place on your computer cookies that may identify you personally. We urge you to review the privacy policies of each of the linked websites you visit — before you provide them with any personally identifiable information.

Guarding Your Own Information

Identity theft is when someone pretends that they are you when committing a crime. The crime could be in person, over the telephone or Internet, or through the mail. Both state and federal governments continue to enact legislation to help protect customers.

For valuable information about identity theft, we recommend you call the Federal Trade Commission's ID Theft Hotline at 877-ID-THEFT, read the section below in our privacy policy titled 'How to Protect Yourself From Fraud,' or visit: http:// www.consumer.gov/idtheft/index.html or http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/about-identity-theft.html

Frequently Asked Questions

Is my privacy protected if I visit your website on the Internet?
How do you control information about my accounts?
Why do you have information about me?
What can I do if I discover that information you have is inaccurate or needs to be updated?
Do you use information from consumer credit reports provided by outside agencies?
What exactly is on these credit reports?
Do you provide credit information to credit reporting agencies?
Do you give information about clients to the government?
What happens if I’m in a lawsuit and bank records are subpoenaed?
Do you give information about me to any other third parties?

Internet Privacy

Is my privacy protected if I visit your website on the Internet?

Yes. If you apply online for our products, the personal information you provide to us is encrypted using Secure Socket Layer (SSL) technology. SSL is a commonly used protocol for managing the security of a message transmission on the Internet. SSL uses a program layer located between the Internet's Hypertext Transfer Protocol (HTTP) and Transport Control Protocol (TCP) layers. SSL is included as part of both the Microsoft and Netscape browsers and most Web server products. Older browsers may not accommodate SSL sessions, so you should ensure that the browser you are using includes the SSL technology.

Also, for each visitor to our web page, our web server automatically recognizes only:

• Your Internet Service Provider (for example, America Online), but not your specific e-mail address. For instance, if your e-mail address is 'johnsmith@aol.com,' only the aol.com part of the address is recognized.
• Aggregate information on which pages consumers visit, but no information on pages visited by any individual consumer. The aggregate information we collect (for instance, how many 'hits' on a particular Web page) is used for internal review to improve the content of our Web page.

Here's what we do with information volunteered by you, such as survey information or information requests:

E-mail Address. If you supply us with your e-mail address online when requesting information about a specific product or service, you will only receive the information that you requested when you provide us your e-mail address.

Personal Information. If you supply us with personal data (such as e-mail address, social security number, etc.), we may use this data to provide you with marketing information on products, services, or special promotions we believe will be of interest to you. However, if you wish to be excluded from receiving such information by e-mail, we'll give you an opportunity to tell us this online. We will respect your wishes not to receive such e-mail marketing.

Use of Cookies. For login areas of the Matsco site, cookies are used to streamline the login process while also improving security. A cookie is used to identify that a device (your computer) has successfully completed the authentication process in the past, and is then considered registered. The cookie only identifies the specific computer via a randomly generated number, and does not contain any personal information such as your name or account number. Matsco still requires your username and password to be entered to complete the login process.

Postal Mail Address/Telephone Number. If you supply us with your postal address or telephone number online in order to obtain information from us for a specific purpose, we will not use it for general marketing purposes.

(BACK TO TOP)

Information About You

How do you control information about my accounts?

Our employees are informed of their responsibility to protect the confidentiality of client information and may be subject to discipline for violating this policy. Only employees actively engaged in the discharge of assigned duties involving client information are authorized to access that information.

(BACK TO TOP)

Why do you have information about me?

We collect and use information about individual clients:

1. To open and administer your accounts and provide superior service.
2. To help us protect you and us from financial loss.

In some cases, laws governing financial institutions require us to gather information. For example, federal regulations require that we obtain a Social Security number or taxpayer identification number for many types of accounts.

We use information about you in accordance with the principles set out in this privacy policy.

(BACK TO TOP)

What can I do if I discover that information you have is inaccurate or needs to be updated?

It's in your interest and ours to have accurate, current, and complete information concerning you and your accounts. If you believe that we have erroneous information, please contact our Client Services group at 800-326-0376. We want to promptly correct any inaccuracies.

(BACK TO TOP)

Credit Report Information About You

Do you use information from consumer credit reports provided by outside agencies?

Yes. It is standard banking industry practice to obtain information from credit reporting agencies. When we do, you are protected both by our own Privacy Policy for Business Principals and by the Fair Credit Reporting Act, a federal law.

We will notify you if we decline any application made by you and whether we used a consumer credit report during the processing of your application.

We may also use information from credit reports, if we elect, to prescreen prospects for lending products and services. Federal law requires us to notify you whenever such reports have been used to solicit your business. You may request that credit reporting agencies remove your name from lists supplied to us for transactions you do not initiate.

(BACK TO TOP)

What exactly is on these credit reports?

Your credit report includes personal and financial information such as your account balances and your payment history for credit cards, mortgages or other consumer loans. If you don't make payments on time or miss a payment, your credit report may show that, even if you catch up on your payments later. Late payments and other 'negative' information can remain on your credit report for up to 7 years, while bankruptcies may remain for up to 10 years.

By law, an individual's credit report can be given to insurance companies, banks, and others when needed to transact business with you. There are many uses for credit reports. For instance, those who make loans may refer to the reports to verify the credit-worthiness of borrowers.

FCRA requires each of the major nationwide consumer reporting companies to provide you with a free copy of your credit reports, at your request, once every 12 months.

To order your free annual credit report from one or all of the national consumer reporting companies, visit www.annualcreditreport.com, call toll free 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can print the Request Form from www.annualcreditreport.com or www.ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually to obtain free annual credit reports.

You are also entitled to a free credit report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you request your report within 60 days of receiving notice of the action. You can also request one free report a year if you're unemployed and plan to look for a job within 60 days; you are on welfare; or your report is inaccurate because of fraud. Otherwise, a consumer reporting company may charge you up to $10.00 for another copy of your report within a 12-month period.

To buy a copy of your report, contact:

Equifax: 800-685-1111
Experian: 888-397-3742
TransUnion: 800-888-4213

(BACK TO TOP)

Do you provide credit information to credit reporting agencies?

In accordance with standard banking industry practice, we may share certain information about our clients with credit reporting agencies, so creditors can verify the existence, history and condition of clients' accounts.

On occasion, an entity other than a credit-reporting agency – such as another financial institution or a business – may ask us for credit information about an individual or business client. For example, you may be applying for a loan at another bank or establishing a credit relationship with a business. In such instances, we will not provide information about you unless you have given your prior authorization.

(BACK TO TOP)

Use of Information About You

Do you give information about clients to the government?

We disclose client information to the government:

1. When we are required to do so by laws and regulations;
2. When we are served with a subpoena, court, or administrative order;
3. When a client authorizes us to do so; or
4. If we believe a crime may have been, or may be, committed involving your account.

(BACK TO TOP)

What happens if I'm involved in a lawsuit and bank records are subpoenaed?

If you are involved in a lawsuit, we will disclose information about you or your accounts to third party litigants when we are required to do so by applicable law or court order.

(BACK TO TOP)

Do you give information about me to any other third parties?

Our policy is not to share specific client information with affiliated and non-affiliated third parties for any purpose not connected with financial products and services, unless otherwise permitted by law.

Like most banks, we contract with outside companies to provide support services such as data processing, check printing, insurance products, and statement mailings. These vendors are required to treat such client information confidentially and use the information only for the specific bank purpose stated. Vendors are prohibited from reusing or selling client information.

(BACK TO TOP)