PERSONAL INFORMATION WE COLLECT

In connection with the products and services we provide to you for personal, family or household purposes, we collect nonpublic personal information about you, such as your credit report, home address, and driver license number. This information is collected from the following sources:

• From you (such as information voluntarily provided on applications and other forms);
  
• From your transactions with us or our affiliates (such as payment history);
  
• From your transactions with nonaffiliated third parties (such as overdraft history); and
  
• From consumer reporting agencies (such as your credit history).
  

We may share nonpublic personal information we collect about you as described above with our affiliates (companies that are related to us by common control or ownership). These affiliates include, for example, other automobile dealerships that we control or are under common control with us.

As permitted by law, we may share any or all of the nonpublic, personal information we collect about you as described above with the type of nonaffiliated third parties described below.

Our Marketing Partners -- We may share all or some of the information we collect with companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. These companies must agree to keep your information confidential and not to share it with anyone else.

Our Outside Service Providers -- In the course of our business, we may use outside companies to perform services
for us, such as assisting us in the preparation and mailing of customer account statements or notices, data processing, and in the collection and enforcement of customer transactions. We may also enter into arrangements with companies whose expertise is essential for our own services to function properly, such as auto manufacturers. Before we disclose personal information to any of our service providers, we enter into contractual agreements that prohibit them from disclosing or using such information other than to carry out the purposes for
which the information was disclosed.

Other Circumstances -- In accordance with federal and state law, we may provide information about your transactions with us to consumer reporting agencies and other creditors. Certain federal, state, and local laws may require us to disclose information about you. For example, a court may order us to provide information about you if you are involved in a lawsuit. In these circumstances, only the specific information required by law, subpoena, or court order will be disclosed.

If a consumer, customer or former customer chooses to direct us not to share nonpublic personal information with affiliates and/or non-affiliated third parties (other than as permitted by law), he or she is provided the opportunity to do so by completing and delivering to us a Privacy Choices Form which is provided to him or her at the time of the relevant transaction. Please note that we will continue to protect your personal information regardless of your privacy choices. If you elect for us not to share such information, we will not make
disclosures except as otherwise permitted by law. For example, we may disclose, while you are a consumer, customer, or former customer, any information we collect about you to companies that perform marketing and other services on our behalf or to other financial institutions with whom we have joint marketing agreements. This disclosure is permitted by law; there is no opt-out opportunity available.

We safeguard nonpublic personal information according to established industry standards and procedures. We restrict access to nonpublic personal information about you 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 personal information.

Policy Ferman Automotive Management Services and affiliated dealerships reserve the right to change the terms and conditions under which this site is offered at any time and for any reason. We suggest you periodically revisit this page of the Web site to review these terms and conditions. We reserve the right to make changes at any time, without notice or obligation, to any of the information contained on this site. We try to keep the inventory and other information posted to this site reasonably up to date but it may not be, and may contain typographical errors or other inaccuracies. All vehicles, products and services posted are subject to prior sale. You should call the particular Ferman dealership in advance if there is a specific vehicle or product you want to see to verify this information. Ferman Automotive Management Services and affiliated dealerships are only able to sell or lease vehicles or other products or services at their stores within Florida. Offers will not be accepted through this site. Vehicles, products and services will only be sold to the ultimate consumer, not dealers, wholesalers or third parties for resale. Sales prices quoted do not apply to leases. Any communication or material you transmit to this site will not be treated as confidential or proprietary. FERMAN AUTOMOTIVE MANAGEMENT SERVICES AND AFFLIATED DEALERSHIPS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE INFORMATION CONTAINED ON THIS WEB SITE FOR ANY PURPOSE. ALL SUCH INFORMATION IS PROVIDED WITHOUT WARRANTY, EXPRESS OR IMPLIED, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. This site is for your personal and non-commercial use. You may not copy, distribute, transfer, or sell any information, products or services obtained from this site. Your use of this site is at your own risk and none of the parties involved in creating, producing, or delivering this site are liable for any direct, incidental, consequential, indirect or punitive damages, or any other losses, costs, or expenses of any kind (including attorney fees, and costs) which may arise, directly or indirectly, through the access to, use of, or browsing of this site or through your downloading of any materials, data, text, images, video or audio from this site, including but not limited to anything caused by any viruses, bugs, human action or inaction or any computer system, phone line, hardware, software or program malfunctions, or any other errors, failures or delays in computer transmissions or network connections. As a condition of your use of this site, you warrant to us that you will not use this site for any purpose that is unlawful or prohibited by these terms and conditions. This site is intended for viewing within the state of Florida only. The laws of the state of Florida and the United States government apply. If you use this site from other locations you are responsible for compliance with any and all applicable local laws. Ferman Automotive Management Services and affiliated dealerships make no representations that the materials contained within this site are appropriate for locations outside the state of Florida. Any and all information contained herein, including but not limited to information regarding motor vehicles, applies only to those offered within the state of Florida by Ferman Automotive Management Services and affiliated dealerships. This site may contain hyperlinks to sites operated by other parties. Such hyperlinks are provided for your reference only. We do not control such sites, and are not responsible for their contents. Our inclusion of hyperlinks to such sites does not imply any endorsements of the materials on such sites or any association with their operations. This agreement and the information provided herein are governed by the laws of the State of Florida, U.S.A. You hereby consent to the exclusive jurisdiction and venue of courts in Hillsborough County, Florida, U.S.A. in all disputes arising out of or relating to the use of this site. Use of this Web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provisions will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.