Welcome to our Web site. This Web site is sponsored, owned and operated by Reliable Credit Association, Inc., an Oregon corporation ("Reliable") on behalf of itself and Reliable Credit Association, Inc. (WA), a Washington corporation ("Reliable WA"). Reliable and Reliable WA are affiliated corporations under common ownership and control.



Section I explains Reliable's policy regarding information Reliable may collect or you might supply to us when you visit this Web site. Reliable's goal in Section I is to inform you about your obligations and the types of information we may collect during your general use or browsing of the Web site. In Section I, the terms "us" and "we" means Reliable.

Section II is Reliable's privacy policy which explains the way Reliable and Reliable WA share and protect nonpublic personal information you may provide to Reliable and Reliable WA or that Reliable and Reliable WA may collect about you. In section II, the terms "us," "our," "we" and "affiliate" means, as the context requires, Reliable and Reliable WA.

The terms "you" or "your" means the person visiting this Web site.



A. GENERAL: By browsing or using the online services on this Web site, you agree to the terms and conditions set forth in this Privacy Statement, including the provisions for General Website Use and our Privacy Policy, below.

You can visit this Web site without giving us any nonpublic personal information about yourself. If you do provide nonpublic personal information, please refer to Section II below to learn how we and Reliable WA protect and handle that information.

This Privacy Statement only applies to Web pages at this URL address. They do not apply to any linked site. Reliable may make changes to this Privacy Statement without notice by posting changes on this Web site, at the sole discretion of Reliable.

B. INFORMATION COLLECTED ON THIS WEB SITE: Aggregate information, including, for example, your country or state of origin, your web browser or search engine, the pages you visit and the length of time of your visits on each page, the number of your visits, the total time spent during your visits, products or services purchased, your domain address or other information Reliable may deem useful with respect to the operability of the Web site, may be collected.

Reliable may also retain nonpublic personal information which you provide to us by e-mail or in information forms placed on this Web site in order to answer your questions or provide products to you (for example, from emails you may send, by filling out and sending information requested on the Web page entitled "Investment," or by filling out and sending in a loan application). If you send nonpublic personal information to this Web site, be sure you read and understand Section II below.

C. COOKIES: In order to provide better service or to address security hazards a cookie may be collected. A cookie is a small piece of information which a Web site stores on your Web browser on your PC and can later retrieve. Cookies may be used for a number of administrative purposes, including storing your preferences for certain kinds of information.

D. WEB SITE SECURITY: Reliable has set up technical security measures such as browser encryption, routers and firewalls to safeguard personal and financial information against unauthorized access. Our servers are located in the state of Oregon.

We use secure socket layer (SSL) encryption technology for browser contact. SSL is technology that is designed to protect information as it crosses the Internet. You can tell if you are visiting a secure area by looking at the padlock symbol at the bottom of your browser screen. If it is "locked," you have an SSL encrypted session. If the padlock symbol is "unlocked," or does not appear on your screen, then you are not visiting an area of the Web site that utilizes SSL encryption technology.

Presently, emails to us and responses to your inquiries are NOT SSL encrypted.

Email messages will NOT suffice as written or other legal notice to us or Reliable WA. Because email messages may not be reviewed immediately by Reliable or Reliable WA personnel, email communication should NOT be used for matters requiring immediate attention.

This Web site may, from time to time, contain links to other Internet Web sites, banner ads or advertisements for the convenience of users in locating information and services that may be of interest. If you use those linked Web sites or advertisements, you may leave this Web site and go to Web sites that we do not control. If you decide to visit those Internet Web sites or advertisers, you do so at your own risk and it is your responsibility to read and comply with the privacy statements on those Web sites. Your right to privacy on linked Web sites is limited to whatever rights are provided to you by the owner of the linked Web site.

E. PROPRIETARY INTERESTS/AS-IS:

The trademarks, service marks, logos, graphics, page headers, button icons, scripts, domain names, URL and other identifiers ("Trademarks") used and displayed on this Web site are registered and unregistered Trademarks of Reliable or Reliable WA. No display or use of such Trademarks may be used without the prior express written consent of Reliable and Reliable WA.

All content and compilations of content on this Web site are the copyrighted property of Reliable or Reliable WA or other content suppliers and are protected by U.S. and foreign copyright laws and international conventions. Content on this Web site may not be reproduced, copied, edited, published, transmitted, uploaded or downloaded in any way, or modified, altered or removed. This Web site and its content are intended for personal, non-commercial use only, and may not be used for commercial purposes or distribution, and content may not be reposted to another Web site.

Neither Reliable nor Reliable WA grants any express or implied right to any third-party, under any trademarks, service marks, copyrights or other proprietary information or rights.

WEB SITE CONTENT AND SERVICES ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS. RELIABLE AND RELIABLE WA EACH EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER RELIABLE NOR RELIABLE WA OFFERS ANY ASSURANCE OF UNINTERRUPTED OR ERROR-FREE CONTENT OR SERVICE, CONTINUED OPERATION OF THE WEB SITE, PROTECTION FROM DELETION OF INFORMATION, DELAY IN TRANSMISSION OR OPERATION, INTERRUPTION OR DEFECT IN OPERATION OR FAILURE TO STORE INFORMATION, INCLUDING YOUR COMMUNICATIONS AND PERSONALIZATION SETTINGS. NEITHER RELIABLE NOR RELIABLE WA WARRANTS THE ACCURACY OR COMPLETENESS OF THE CONTENT OR SERVICES CONTAINED ON THIS WEB SITE. RELIABLE MAY CHANGE ANY OF THE CONTENT OR INFORMATION DISPLAYED OR LOCATED OR FOUND AT THE WEB SITE AT ANY TIME WITHOUT NOTICE. NEITHER RELIABLE NOR RELIABLE WA MAKES ANY COMMITMENT TO UPDATE THE CONTENT OR INFORMATION FOUND AT OR DISPLAYED OR LOCATED OR FOUND ON THE WEB SITE. IN NO EVENT SHALL EITHER RELIABLE OR RELIABLE WA BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION) ARISING OUT OF THE USE OR INABILITY TO USE THE WEB SITE OR ITS CONTENT OR SERVICES, EVEN IF EITHER RELIABLE OR RELIABLE WA HAS BEEN ADVISED OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

Reliable controls and operates this Web site from Milwaukie, Oregon, USA. If you use this Web site from other locations, you are responsible for compliance with applicable local laws. This Privacy Statement is governed in accordance with the local laws, and not the laws of conflicts, of the state of Oregon. Your use of this Web site will be deemed to take place solely in the state of Oregon.

F. Consumer Report Dispute: If you want to dispute the accuracy of information Reliable or Reliable (WA) has reported to a consumer reporting agency, write to us at the branch office servicing your account, as listed on the Web page accessible under the interactive key "Customer Service", under the heading "Branch Locations." When you write to us, (i) identify the specific information being disputed and (ii) explain the basis for the dispute and include all supporting documentation (including, if you have it, a copy of the credit report that includes the specific information being disputed).

G. Identity Theft Victim: If you believe you are a victim of identity theft, and you wish to obtain a copy of application and business transaction records in our control that evidence any transaction alleged to be the result of identity theft, write to us at the branch office servicing your account, as listed on the Web page accessible under the interactive key "Customer Service", under the heading "Branch Locations." In your letter, include the relevant information about any transaction alleged to be the result of identity theft, including (if known), the date of the application or transaction and any other identifying information such as an account or transaction number. A form for reporting identity theft can be downloaded from www.consumer.gov/idtheft. We reserve the right to require other identifying and background information from you before responding to your request.



A. OUR COMMITMENT: Our commitment is to help you obtain our quality financial products and services. We obtain and use non public personal information about you to match your financial needs with the products and services we offer. We are committed to protecting the privacy and security of the information we collect about you and our customers. This notice is intended to help you understand how we collect, handle, and safeguard that nonpublic personal information.

B. WHAT WE COLLECT: We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, including the online application option on this Web site;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency.

C. WHAT WE DO NOT DISCLOSE: Except as disclosed in Section E below, we do not disclose any of your nonpublic personal information to anyone except as permitted by law. Our privacy policy remains in effect even after you are no longer our customer. We do not share your information with any unrelated company for purposes of marketing their products or services.

D. PROTECTING INFORMATION: We further restrict access to nonpublic personal information about you only to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic information.

E. AFFILIATE DISCLOSURES: Because this Web site is sponsored, owned and operated by Reliable, you cannot communicate directly with or apply for a loan directly from Reliable WA through this Web site. Communications or loan applications sent on this Web site are delivered first via the Web site host to Reliable. Once received, Reliable may determine, in its discretion, that your online communication or loan application (including for example, but without limitation, nonpublic personal information relating to communications about accounts owned by Reliable WA or for loans that can only be given to you under law by Reliable WA) must, for operational reasons or pursuant to local, state or federal laws or regulations, be shared with Reliable's affiliate, Reliable WA.

Therefore, if you (i) want to communicate your nonpublic personal information only with Reliable WA, or (ii) if you do not want Reliable to share your nonpublic personal information with Reliable WA in accordance with the practices described in the first paragraph of this Section II E., you SHOULD NOT use this Web site for communication or to apply for a loan. Instead, you should call or write to one of the branch offices located in Washington State, listed on the Web page entitled "Customer Service."

By sending nonpublic private information to this Web site, you understand that such information will be delivered via the Web site host to Reliable and you direct that such information may be shared with Reliable WA, in accordance with the business practices set forth in the first paragraph of this Section II E.

F. EXCEPTIONS TO NONAFFILIATED THIRD PARTY DISCLOSURE: Reliable or Reliable WA may buy other businesses or sell portions of their own businesses, and information you supply to Reliable or Reliable WA may be a transferred asset, subject to any then existing Privacy Statement.

NOTE: Your direction in Section II E. covers only the information described in Section II E. that we might otherwise share with our affiliate. We may share other information about you with our affiliate as permitted by law and that does not require giving you a prior right to direct us not to share nonpublic, personal information with our affiliate, including for example, information solely as to transactions or experiences between you and the affiliate making the report.