To support our privacy pledge, we have developed this Privacy Notice to explain to you our practices regarding individually identifiable information.

What information practices does this privacy notice cover?
The Privacy Notice applies to the financial information practices of Texan Harley-Davidson with respect to the individually identifiable information we collect about you in connection with offering products and services.

What information do we collect?
To process your requests for our products, programs, and services, and to enable you to participate in some of our offerings, we collect individually identifiable information that may include: name, address, e-mail address, telephone number, fax number, and information about your interests in and use of various products, programs, and services.

We also, on occasion, may collect your Social Security Number and credit card information. In addition, we may collect credit-related data, such as information you provide on loan applications or other forms (including assets, income, etc.), information about transactions with us, our affiliates, or others (such as information about your account activity with us, account balances, and purchases), and information we receive from consumer reporting agencies.

If you visit us online, we also may collect certain information about your visit, such as the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using (e.g., Windows ’95, ’98, 2000, XP or Mac OS, etc.) and the domain name of your Internet service provider (e.g., America Online, Earthlink).

How do we use the information we collect about you?
Our goal is to effectively administer your entire relationship with us, our service providers, and our business alliance companies.

To this end, we may use information about you to fulfill your requests for our products, programs, and services, to respond to your inquiries about our offerings, and to offer you other products, programs, or services that we believe may be of interest to you.

We sometimes use this information to communicate with you, such as to contact you about your account with us or to provide you with important product or service information.

If you choose to visit us online, we may use the information that we collect to improve the design and content of our Web pages and to enable us to personalize your Internet experience. We also may use this information to analyze Web page usage, as well as to offer you products, programs, or services.

Our affiliates offer a wide array of products, programs, and services that may include the sale and leasing of motor vehicles, driver and rider education, and vehicle rentals. As these companies and business units continue to expand and grow, additional products or services unrelated to motor vehicles may be offered by our affiliates as well. We may share with our affiliates the information we collect about you so that they can better market their products and services to you.

We, as well as our affiliates, may also share the information we collect about you (other than credit bureau information) with others so that they can better market to you the products, programs and services offered by our corporate family. In addition, we, as well as our affiliates, may share the information we collect about you, other than credit bureau information, with outside companies, e.g., vendors assisting us with servicing your accounts and products that perform services on our behalf or on behalf of our affiliates and with business alliance companies, including insurance and finance companies, with whom we or our affiliates have joint marketing agreements.

Our service providers and companies who have access to individually identifiable information under a joint marketing agreement have agreed to protect this information in a manner that is consistent with this Privacy Notice. For example, this agreement requires them not to use the information for any purpose other than to carry out the services they are performing for us or for the joint marketing of products, programs, or services.

There may be instances where we will disclose information as required by law, including, but not limited to, a response to a court order or subpoena, to prevent fraud, to comply with law, and to comply with a legally permitted inquiry by a government agency. Additionally, in the event that all or any part of Texan Harley-Davidson is sold to a third party, we may transfer individually identifiable information to the third party buyer as part of the assets of the business.

What choices do you have about our information use and sharing practices?
You have two choices if you want to limit our use and disclosure of your individually identifiable information.

First, you may direct us not to share any of your personal and financial information, except as necessary to administer your account or as otherwise permitted by law:

• With one another;
• With affiliated companies;
• With companies with whom we or our affiliates have joint marketing agreements; or
• With other business alliance companies, with whom we or our subsidiaries have joint marketing agreements for financial products, programs or services.

Second, you may direct us and our subsidiaries not to share your credit-related information with one another, or with affiliated companies.

How do we protect the security of your customer information?
We maintain appropriate physical, electronic, and procedural safeguards that comply with federal regulations to guard your individually identifiable information. For example, we utilize segregation of duties, passwords, and have in place detailed policies covering various aspects of customer information protection. Our employees have access to customer information for authorized business purposes only and such access is based on the sensitivity of the information and our employees’ need to know.

How can you correct inaccuracies in your information?
You can review and correct factual errors in your individually identifiable information that is maintained in our computer systems and that we retrieve in the ordinary course of business. To do so, simply send a written request to Texan Harley-Davidson, Attention: Privacy Officer, 2111 North Frazier, Conroe, TX 77301. You also address any questions about this Privacy Notice or any questions you have relating to our privacy practices to this same address.

To protect your privacy and security, we will take reasonable steps to verify your identity before granting access or making corrections.

How does this privacy notice relate to your online interaction with us?
This Privacy Notice applies only to your interaction with us at Texan Harley-Davidson’s pages. It does not apply to your interaction with any of our affiliates. In addition, the protection of your information may not be assured when you communicate with us via e-mail as others outside of Texan Harley-Davidson and our affiliates may gain access to it without proper authorization.

Does Texan Harley-Davidson use cookies online?
Texan Harley-Davidson uses a standard Web browser feature or Internet http header (known as “cookies”) throughout our Web pages to assist us in improving your Web experience. Cookies, by themselves, do not provide individually identifiable information unless you choose to provide this information by, for example, registering with us. Once you choose to furnish us with individually identifiable information, this information may be linked to the data stored in the cookie.

We use cookies to understand the usage of our Web pages and to improve their content and offerings. We may use cookies to personalize your experience at our Web pages (e.g., to recognize you by name when you return to our page), save your password in password-protected areas, or enable you to use shopping carts. We also may use cookies to offer you products, programs, or services.

Who else may collect information about you when you interact online with Texan Harley-Davidson?
Our Web pages may offer promotions that are sponsored by or co-sponsored with identified third parties. By virtue of their sponsorship, these third parties may obtain individually identifiable information that visitors voluntarily submit to participate in the activity. We have no control over these third parties’ use of this information. However, we will indicate when you are leaving our Web pages and moving to a Web page where a third-party sponsor may obtain such information.

What happens when you leave the Texan Harley-Davidson Web page to go to other Web pages?
To improve your Web experience, and to offer you products in which you might be interested, we provide links to business alliance companies and other third-party sites. Because Texan Harley-Davidson does not control these sites, you are encouraged to review their individual privacy notices.

What happens when there are changes in this notice?
If we materially change our privacy practices to permit us to share more information about you than we stated we would share, or to permit disclosures of information about you to additional types of parties, we will take reasonable measures to inform you of these changes in advance. You will then have a reasonable opportunity to change your opt-out preference.

What happens if I am no longer a customer of Texan Harley-Davidson?
If you end your customer relationship with us or become an inactive customer, we will continue to treat the information we have about you consistent with this Privacy Notice and with any opt-out preference you have chosen.

How do we protect the privacy of children?
We recognize the importance of protecting the privacy of children. For this reason, we do not collect or maintain information from children we know are under age 13 except as permitted by law.

How do I opt out from certain uses or sharing of information?
To direct us not to use information about you for marketing purposes or not to share this information with others (other than disclosures permitted by law), please fill out the attached “Texan Harley-Davidson Opt-Out Form,” check off the appropriate box or boxes, tear the form off, and mail it to the following address: Texan Harley-Davidson, Attention: Privacy Officer, 2111 North Frazier, Conroe, TX 77301.

If you are reading this online, the Opt-Out Notice and Form may be printed, filled out and sent to the above address. If you do not have a printer, you may request an Opt-Out Notice and Form by writing to us at the address above, and we will send you one in the mail. Please include in your request the address where you want the Opt-Out Notice and Form sent.

TEXAN HARLEY-DAVIDSON OPT-OUT FORM

You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.

Your Rights
You have the following rights to restrict the sharing of personal and financial information with our affiliates and outside companies that we do business with. Affiliates are companies we own or are under common control with.

Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.

Your Choices
Restrict Information Sharing With Affiliates (Companies We Own or are Under Common Control With), Finance Companies, and Other Companies We Do Business With To Provide Financial Products and Services. Unless you say “No,” we may share personal and financial information about you with our affiliated companies; we may also share this information with Harley-Davidson Financial Services with whom we have joint marketing agreements; and we may also share this information with outside companies we contract with to provide financial products and services to you.
 NO, please do not share personal and financial information with your affiliated companies; or finance companies; or outside companies that you contract with to provide financial products and services.

Restrict Credit-Related Information Sharing with Affiliates. Unless you say “No,” we may share credit-related information about you with our affiliated companies.
 NO, please do not share any credit-related information about me with your affiliated companies.

Time Sensitive Reply
You may make your privacy choice at any time. Your choices marked here will remain unless you state otherwise.

However, if we do not hear from you we may share some of your information with affiliated companies, finance companies, and other companies with whom we have contracts to provide products and services.

Print Name: __________________________
Address: _____________________________
_____________________________
(City) (State) (ZIP)
Account or Policy Number(s): _____________________
Signature: ____________________________
Date: _________________
Unless the information you provide above is complete and legible, we may not be able to process your choices. To exercise your choices please do the following: Fill out, sign and send this form back to us. You may want to make a copy for your records. Use the business reply envelope we have given you. Please do not include your payment in this envelope. It will delay the processing of your payment. Our address is: