This is the privacy policy for Credo Energy™ Corporation and the credoenergy.com website.  It describes the data we collect on the site and what we do with it to provide high quality products and services that will benefit you.  Keeping the information private and secured is important to us.  Please note that limiting the information we share may hinder our ability to provide you with the most beneficial products and services.

We invite you to contact us if you have questions about this policy.  You may contact us by email at info@credoenergy.com or you may call us at 800-929-6001.

Information Used to Provide Products
To provide you with the highest quality products and services, we need to know certain kinds of nonpublic personal information. "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a product or service to you. We collect nonpublic personal information about you from the following sources:

• Information you provide on your initial application and other account documentation, such as your name, address, social security number, assets, IP address and income.
• Information about your transaction history with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, credit usage and power usage.
• Information we obtain from external third parties, such as your creditworthiness or payment history (such as credit bureaus, demographic data companies, power usage history from TDSP, or public sources).
• When you become authorized to use our site through a Site Partner.
• Purchase a product or service.
• Request further information regarding a product or service.
• Disconnect a service.
• Contact us.

What do we do with the information we collect?
From time to time we engage nonaffiliated third parties to perform services for us or perform functions on our behalf. The services a nonaffiliated third party may perform for us may include servicing customer accounts and marketing our own products or services. In addition we may jointly offer or sponsor products or services with other institutions. In connection with these activities, we may disclose the information we collect, described above, to companies that perform services on our behalf or to other institutions with whom we have joint marketing agreements. Except for these few instances and when we gather information in conjunction with our credit card accounts, we do not disclose any nonpublic personal information about our customers to nonaffiliated third parties other than as permitted by law.

Your Options
In connection with our credit card accounts, you will have an opportunity to opt out of having nonpublic personal information disclosed to nonaffiliated third parties. Even if you opt out, we may disclose nonpublic personal information to nonaffiliated third parties as permitted by law. We are permitted by law to disclose nonpublic personal information about you to third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties in order to assist in servicing your account with us, in order to collect on your account, to respond to subpoenas from government entities, and to report your account(s) to credit bureaus.

How To Notify Us of Your Privacy Preferences via Telephone.

You may opt out of the information sharing as described in this Disclosure by calling us at 800-929-6001.

Products within Our Corporate Family
We are permitted by law to share with our affiliates information about our experiences or transactions with you or your account(s).

In connection with our accounts, we may disclose to our affiliates all of the information we collect. You will have an opportunity to opt out of having us provide to our affiliates information that is not directly related to our experiences or transactions with you or your account (other than disclosures permitted by law).

Safeguarding Your Information
To ensure your customer information is safe, we have in place several safeguards. Our employees are bound by a code of ethics, which requires that we treat customer information as confidential. We restrict access of your nonpublic personal information to those employees who need to know that information to review and maintain your account, to provide products or services to you or for another business reason. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

At any time you decide to close your account or become an inactive customer, we will continue to adhere to the procedures described in this notice and any proper opt-out requests you make.

Online Privacy and Security
We understand the importance of privacy and security when transmitting data on line. Therefore, we have instituted necessary privacy and security policies specifically related to the online banking process. The following online practices demonstrate our commitment to maintain your online privacy and security.

Secure Transactions
To ensure information remains confidential, we use encryption technology such as Secure Socket Layer (SSL) on our Web sites to transmit information between you and the Bank.

E-Mail Security
Although we provide a secure e-mail system directly from our site (regular e-mail is not secure) which uses data encryption to help protect your communications with us, we strongly urge you not to e-mail confidential information (such as social security numbers, account numbers, mother's maiden name, annual income, source of income, etc.) to us. Because an e-mail response back to you will not be secure, we do not include confidential account information in an e-mail response. You may also contact us by phone or mail.

Credo Energy Corporation may use your email address to communicate with you about orders you have placed, accounts you maintain or inquiries you have made about our products and services.  In addition, we may send you email communications for customer satisfaction purposes or to inform you of special offers we believe will be of interest to you based on your profile.

Linking to a Third-Party Web Site
When you click on links and/or ad banners that take you to a third-party web site, you will be subject to that third party's privacy policy. While Credo Energy Corporation supports the protection of privacy on the Internet, Credo Energy Corporation cannot be responsible for the actions of third parties. Credo Energy Corporation encourages you to read the posted privacy statement whenever interacting with any web site.

Notifications of Changes
We reserve the right to modify or amend this Privacy and Security Statement at any time and for any reason. If we are going to use your Personally Identifiable Information in a manner materially different from that stated at the time of collection we will notify you via e-mail or other available means. You will have a choice as to whether or not we use your information in this materially different manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our Web site notifying users of the change. In some cases where we post the notice we will also e-mail users, notifying them of the changes in our privacy practices.