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					2009_FIA_English.qxd:2009_FIA_Eng                     10/2/08       4:01 PM   Page 1




 For California Customers                                                      • Order copies of your credit report from each of the
 To the extent required by California law, FIA will not share                     three major credit bureaus once a year to ensure




                                                                                                                                               <B C A CDABDACAB>   PRE-036451
 information we collect about California residents with companies                 they are accurate.
 outside of the FIA family of companies except:                                • If you believe you are a victim of identity theft, take
                                                                                  immediate action and keep records of your
  • With the authorization or consent of the California resident;
                                                                                  conversations and correspondence. While the steps
  • To service the customer’s accounts;                                           you must take will vary with your individual
  • To fulfill on rewards or benefits; or                                         circumstances, four basic actions are appropriate in
  • As permitted by law.                                                          almost every case:
 We will limit sharing among the FIA family of companies to the                       • Contact the fraud departments of any one of
 extent required by applicable California law.                                          the three major credit bureaus to place a fraud alert on
                                                                                        your credit file:
                                                                                        N Equifax (equifax.com): 888.766.0008/P       .O.
 You can make sure information is accurate by:
                                                                                           Box 740241, Atlanta, GA 30374-0241
  • Accessing your account information (for example, on a                               N Experian (experian.com): 888.397.3742/
    statement or in response to specific requests)                                          .O.
                                                                                           P Box 9532, Allen, Texas 75013
  • Telling us if it is incorrect by calling or writing to us at the                    N Trans Union (transunion.com): 800.680.7289/
    telephone number or appropriate address for such changes on                             .O.
                                                                                           P Box 6790, Fullerton, CA 92834
    your statement or other account materials
                                                                                      • Contact the creditors for any accounts that have been
 Updates and Additional Information                                                     tampered with or opened fraudulently.                                                   Privacy Policy
 This notice replaces any previous notices from FIA about the                         • File a report with your local police or the police in the
 privacy, security and protection of information. You may have other
 privacy protections under state laws. We may amend this privacy
                                                                                        community where the identity theft took place, and get
                                                                                        a copy of the police report.
                                                                                                                                                                                for Consumers
 notice at any time. We will inform you of changes as required by law.                • File a complaint with the Federal Trade Commission
  Tips to Protect Your Information                                                      (FTC). Complaints can be filed by phone 877-IDTHEFT                                     Important Information
                                                                                        or through the FTC’s identity theft Web site at
 FIA works hard to keep your information secure. You can help by                        FTC.gov/idtheft.                                                                        About Your Financial Privacy
 following these tips to protect your information:                            Although many consumers appreciate the convenience and customer                                   The financial products and services of FIA Card Services,
  • Store personal information in a safe place and tear up or shred           service of direct marketing:                                                                      N.A. are endorsed by hundreds of financial institutions.
    old receipts and account statements before throwing them away.             • If you prefer not to receive pre-approved offers of credit,                                    We back our financial products and services with top-
  • Protect your PINs and other passwords. Do not share them with                you can opt out of such offers by calling 888.5.OPT OUT.                                       quality service. Collecting and sharing information about
    anyone unless it’s for a service or transaction you request and you are    • To have your phone number added to the National Do Not                                         you helps us do this. This notice explains the information
    confident the other party will protect the information as you would.         Call Registry, you may call 888.382.1222 or register at                                        collection and sharing practices of FIA Card Services, N.A.
  • Carry only the minimum amount of identifying information you require.        donotcall.gov. While this will stop most calls, you may still receive                          and its affiliate, IFIA Insurance Services, Inc. (collectively
  • Pay attention to billing cycles and statements. Inquire if you do            calls from businesses where you are a customer.                                                “FIA”), and lets you choose whether FIA may share certain
    not receive a bill.                                                        • To have your phone number added to the National Do Not Call Registry, you                      information about you.
  • Check account statements carefully to ensure all charges,                    may call 888.382.1222 or register at donotcall.gov.While this will stop most                   This notice describes the privacy practices of FIA and IFIA
    checks or withdrawals are authorized.                                        calls, you may still receive calls from businesses where you are a customer.                   Insurance Services for consumer financial products and
  • Guard your mail from theft. Do not leave bill payment envelopes                                                                                                             services governed by the laws of the United States of
    in your mailbox with the flag up. Instead, deposit them in a post                                                                                                           America. It applies to open, closed and inactive accounts
    office collection box or at the local post office. Promptly remove                                                                                                          with these entities.
    incoming mail.
                                                                                                                               00-36-0403B (09/2008)
                                                                                  201076                                         ©2008 FIA Card Services N.A.
2009_FIA_English.qxd:2009_FIA_Eng                   10/2/08        4:01 PM   Page 2




 Our Security Procedures Protect Your Information                            Information Shared Outside of Our Family of Companies                         For sharing among the FIA family of companies, each
 Keeping financial information secure is one of our most important           FIA may share all the information we collect with the following types         customer may tell us his or her preferences individually, or
 responsibilities. We maintain physical, electronic and procedural           of nonaffiliated third-party companies:                                       you may tell us the preferences for any other customers
 safeguards to protect customer information. Appropriate employees                                                                                         who are joint account owners with you.
                                                                              • Financial service companies (such as banks, insurance
 are authorized to access customer information for business purposes
                                                                                companies, and organizations with which we have joint marketing            For sharing outside of the FIA family of companies, your
 only. Our employees are bound by a code of ethics that requires                agreements);
 confidential treatment of customer information, and are subject to                                                                                        opt-out preference will be applied to each individual account.
 disciplinary action if they fail to follow this code.                        • Nonfinancial companies (such as retailers, direct marketers,               When any customer on an account requests that we not
                                                                                communications companies, and travel companies);                           share with third parties, we apply that preference to the entire
 Information We Collect to Conduct Our Business                                                                                                            account. This includes co-applicants, joint account holders
                                                                              • Companies performing marketing or other services for us (such as
 We collect information about you to conduct our business and deliver           data processing or direct mail services); and                              and authorized users.
 the top-quality service you expect. Sources include:                                                                                                  Federal law requires us to provide this notice on an annual basis,
                                                                              • Other companies (such as nonprofit organizations).
  • Information we receive from you;                                                                                                                   whether or not you previously opted out. Please remember that if
                                                                             FIA also may share all of the information we collect with outside
  • Information we receive from third parties, such as consumer              companies as permitted by law.
                                                                                                                                                       you previously opted out of an account, you do not need to opt
    reporting agencies, to verify statements you’ve made to us, or                                                                                     out for that account again.
    regarding your employment, credit or other relationships; and            You may tell us not to share information about you with a nonaffiliated
                                                                                                                                                       You may have other privacy protections under state laws. We will
                                                                             third party, as explained below in the section captioned, Information
  • Information about your transactions with FIA and with other                                                                                        comply to the extent applicable.
                                                                             Sharing: It’s Your Choice. Your choice will not affect sharing with:
    companies.
                                                                              • Companies performing marketing or other services for us;
                                                                                                                                                       For Vermont and California residents only.
 Information Shared Internally                                                                                                                         The information-sharing practices described above are in
                                                                              • Other financial institutions under joint marketing agreements;
 We may share internally all the information we collect within the FIA                                                                                 accordance with Federal law. Vermont and California law place
 family of companies. The FIA family of companies is made up of a             • Government entities in response to subpoenas or regulatory             additional limits on sharing information about Vermont and
 number of companies. These companies include financial service                 requirements;                                                          California residents so long as they remain residents of those
 providers, such as a brokerage company and our credit card company,          • Consumer reporting agencies; and                                       states.
 and nonfinancial companies, such as our operations and servicing             • As otherwise permitted by law.                                         For Vermont Customers
 subsidiaries. For example, we may share:
                                                                                                                                                       In accordance with Vermont law, FIA will not share information we
  • Identification information (such as name and address);                                                                                             collect about Vermont residents to nonaffiliated third-party
                                                                                Information Sharing: It’s Your Choice
  • Transaction and experience information (such as purchases and                                                                                      companies except:
                                                                                We respect your choices related to privacy. You may tell
    payments);                                                                                                                                          • With the authorization or consent of the Vermont resident;
                                                                                us not to share credit and insurance eligibility information
  • Credit eligibility information (such as credit reports); and                within the FIA family of companies (other than the                      • To companies that perform marketing or other services on our
  • Other information.                                                          transactions and experiences that you have with the FIA                   behalf;
                                                                                family of companies). You may also tell us not to share                 • Name, contact and transaction and experience information
 You may tell us not to share certain credit eligibility information about
                                                                                information with nonaffiliated third parties as described                 (such as your account balance and payment history) to
 you within the FIA family of companies, as explained below in the
                                                                                above. If you wish to opt out of such information sharing,                other financial institutions with which we have joint
 section captioned, Information Sharing: It’s Your Choice. Your choice
                                                                                please call our toll-free automated response line at                      marketing agreements; or
 will not affect the sharing of identification information and transaction
                                                                                1.866.325.8310. We will ask you to verify your identity
 and experience information.                                                                                                                            • As permitted by law.
                                                                                and the specific accounts to which your opt-out applies.
                                                                                Please have your account or reference numbers available                In addition, we will automatically treat residents of Vermont
                                                                                when you call.                                                         as if they opted out of sharing credit and insurance eligibility
                                                                                                                                                       information with the FIA family of companies as described in
                                                                                                                                                       the section captioned, Information Sharing: It’s Your Choice.

				
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