The financial institutions that are part of the Popular, Inc. family, such as Equity One, do not rent or sell customer mailing lists or private information about customers with external institutions or individuals. At the same time, we want to keep you updated on the services and products offered by Equity One’s affiliates, such as Popular Mortgage Servicing, Popular Housing Services, E-Loan, Banco Popular North America, Banco Popular, Popular Cash Express, Popular Insurance, and Popular Leasing.

Some of the benefits you may receive by allowing us to share your information among Equity One’s affiliates, under the strictest confidentiality, are: discounts, promotional offers, combined account statements, easy access to certain benefits of our accounts, and new and improved products.

The following is a description of our practices regarding how we handle your personal information, always safeguarding and protecting the information you share with us. We are also providing you with the opportunity to prohibit us from sharing your personal information among our affiliates.

To prohibit the sharing of your information with Equity One’s affiliates, please complete an Equity One Opt Out Request Form. Note that we are permitted to continue to share information about your transactions or experiences with Equity One (such as, for example, account balance and payment history) with our affiliates even if you opt out.

For your convenience, a printable opt-out form for states other than California or Texas is available at the following link: Opt-Out Form. If you are a California resident, please use the opt-out form at the following link: California Opt-Out Form. If you are a Texas resident, please use the opt-out form at this link: Texas Opt-Out Form.

1. How Equity One collects your information.
We collect information:
  - That you have voluntarily provided us, or any of our affiliates, on credit applications, account opening documents, when signing up for electronic services, and when it is necessary to make or complete transactions that you initiate.
  - That comes from transactions you make with us and with our affiliates.
  - That third parties, such as consumer credit reporting agencies, have provided us.

2. The type of information to which Equity One and its affiliates have access.
As part of our continuous effort to develop, improve and provide superior products and services, Equity One may share, exclusively within the Popular, Inc. family, information from credit applications or other forms, such as name, address, telephone number, Social Security number, assets and income; transaction information such as balance, payment history and credit card usage; and information from credit reports, such as credit history and creditworthiness.

3. With whom Equity One may share your information.
To ensure that we offer you the most complete range of top quality services and products, Equity One shares the aforementioned information and transaction or experience information, as permitted by law, only within the Popular, Inc. family, including the banking, mortgage, leasing, insurance and investment companies mentioned above, but excluding entities outside Popular, Inc. In this way, you may receive new or improved services, as well as offers and products that otherwise you would not receive.

Equity One and its affiliates do not share your information with companies or organizations outside the Popular, Inc. family. As an exception, and as permitted by law, we may provide all of the information that we have collected from you, as described above, including information about your transactions with us and our affiliates, and information provided to us by third parties such as consumer credit reporting agencies, to other companies to carry out services on our behalf during marketing campaigns and for account maintenance and servicing purposes or to other financial institutions with whom we have joint marketing agreements. When occasionally, we assign companies to provide services for us, or when we enter into joint marketing agreements, we only share the required information to achieve the aforementioned purposes. Furthermore, we require these companies, through a contract, to maintain strict confidentiality of the information and limit its use exclusively to the purposes for which it is provided.

4. What is Equity One’s policy regarding former clients’ information.
Equity One and its affiliates may share information about their former clients in the same way they do with current clients. The information about former clients is retained during the time period permitted by federal and local laws and regulations that govern the financial industry.

5. What security measures have Equity One and its affiliates implemented to ensure the privacy of your information as a client.
Equity One and its affiliates limit the access to your information only to those employees who need it to provide you products and services, or to those who need access to it to comply with federal and local regulations of the financial industry. We hold our employees responsible for complying with our Privacy Policy and its principles, and we take appropriate disciplinary measures to enforce our employees’ responsibilities, as specified in our Code of Ethics and Rules of Conduct.

We also maintain physical and electronic security measures necessary to safeguard the confidentiality of your information as required by law and by this policy.

6. What happens when you do not want your information to be shared among Equity One’s affiliates.
Equity One will notify you annually, or as required by law, about its Privacy Policy.

If you want your information to continue to be shared among Equity One’s affiliates and thereby choose to receive the discounts, promotional offers, combined account statements, easy access to certain benefits of our accounts, and new and improved products, you do not have to return this document. We thank you for your confidence in Equity One and your patronage of all our products and services.

To prohibit the sharing of your information with Equity One’s affiliates, you must complete the Opt Out Request Form enclosed along with our Privacy Policy and send it to: Popular Financial Holdings, Inc./Equity One, Inc., Opt Out, P.O. Box 282, Marlton, NJ 08053. You may also request a copy of the Opt Out Request Form by calling (856) 396-2060. Your opt out request will take approximately 4 weeks to go into effect. If you have already sent an Opt Out Request Form, it is not necessary to send it again. Note that even if you opt out, the law allows us to share with our affiliates any information about our transactions or experiences with you. If you opt out from affiliate sharing, we will not share other information you provide to us or that we obtain from third parties (for example, credit bureaus), unless otherwise permitted by law.

Vermont Residents Only
In Vermont, the information we disclose under joint marketing agreements must be limited to your name, address, other contact information, and information about our own transactions and experiences with you. Your consent is required before we can share certain credit information about you with our affiliates. We are permitted to share information which is not a credit report under Vermont law without your consent, such as information related solely to our transactions and experiences with you (such as, for example, account balance and payment history). Should you move from Vermont, these Vermont-specific disclosures will no longer apply.