2 Task Start End Date Date Status April May Week 1 Week 2 Week 3 Week 4 Week 1 Week 2 Week 3 Week 4 Planning and Partnerships Meet with La Casa and CCCSSF to discuss program model and goals Completed Meet with La Casa and CCCSSSF to solidify desired outcomes and reporting Completed Finalize intake process with La Casa and CCSSF Completed Outreach and Recruitment Develop Financial Counseling Referral Form Review La Casa Intake Forms Review La Casa Confidentiality Release Form Develop Finanical Counseling Contact Form Review CCCSSF Financial Counseling Intake Forms Develop Outreach Fliers in English and Spanish Tranlsate all documents in Spanish Pull monthly/quarterly reports and review with stakeholders Begin Client Outreach and Track Referrals Counseling Cross Training Train La Casa Staff on CCCSSF services and referral process Develop Sensitivity Training for CCCSSF staff on Economic Abuse and Domestic Violence Record Sensitivity Training Bi Monthly Check ins with Trainers Data Tracking and Evaluation Track client Referrals monthly CCCSSF to provide SFOFE bi-monthly aggregated financial data reports La Casa to Provide bi-monthly aggregated demographic reports Bi Monthly Check ins with Trainers Document Trainer feedback on challenges and successes Track changes in financial status for clients that have completed 2nd and 3rd counsleing sessions. Completed Completed Completed Completed Completed Completed Completed Completed 20/30 clients secured Completed Completed Completed Ongoing Ongoing Ongoing Ongoing Ongoing Ongoing Ongoing Ongoing Develop White Paper and Toolkit End data tracking and review aggregated results Draft report summarizing program design, challenges, results and best practices Review and edit report with partners Work with partners to develop toolkit informing other stakeholders to assist other cities on replication Finalize paper Host Webinar to share learnings Host recorded webinar and all materials on SMN website
3 Domestic Violence Economic Intervention San Francisco OFE Project Budget Project Partner Activity Total Cost Services Given In Kind (CCCSF) Grant Funding Needed San Francisco OFE Program planning, leadership and management staff time $13,000 $13,000 San Francisco OFE Development/dissemination of Financial Education materials, toolkit, webinars $4,000 $4,000 La Casa de las Madres Client outreach, marketing, follow up and retention $3,000 $3,000 Credit Counseling Center of SF One- on- one financial counseling sessions, Financial Education workshops $15,000 $10,000 $5,000 Total Expenses $35,000 $10,000 $25,000
4 La Casa De Las Madres Credit Counseling Pilot Demographic Information Age Disability (yes/no/type) Ethnicity Family size/kids yes or no/pregnant yes or no Primary language/limited english/fluency in english Gender Sexual Orientation Type of housing Zip code Annual income Employment status Income source Medical Insurance (yes or no) Military Service (yes or no) Financial Primary Cause Of Financial Problem (Percentage Breakdown) Gender (Percentage Breakdown) Ethnicity (Percentage Breakdown) Average FICO Score Average Monthly Housing Expenses Average Monthly Living Expenses Average Total Unsecured Debt Average Monthly Unsecured Debt Payment Average Number of Unsecured Creditors Average Total Assets Average Total Liabilities Average Total Savings
5 Sensitivity Training Supporting Documents
6 HEARTS & FLOWERS TENSION BUILDING Apologies; promises; gifts; idealized romance; victimblaming or abuse denial, minimization; victimization becomes complete as victim wants to believe batterer and feels guilty about incident; bonding occurs; phase disappears over time. FEAR & DENIAL ACUTE BATTERING La Casa de las Madres INCIDENT Adult Crisis line hours Toll free Explosive release of tension; Batterer seems completely out of control; abuse becomes worse over time; shortest phase, 2-24 hrs. Minor incidents occur; victim feels the need to calm and placate abuser; walking on eggshells ; victim withdraws; anticipation of battering causes severe psychological stress; minor incidents increase; tension builds, and becomes too much The Cycle of Violence differs for each set of partners, each with their own unique rhythm and participant behaviors. Yet three phases are typically represented: the tension building phase, the explosion phase or acute battering incident, and the hearts and flowers phase or kindness and contrite loving behavior. Over time, the kindness and apologies of the hearts and flowers phase often disappear, and the relationship cycles continuously between tension and explosion. Because sometimes friends, relatives, and helping people become discouraged when a victim remains in a threatening situation, it is vital to understand all of the dynamics involved. Relationships do not generally begin as disruptive and abusive but become so only after an initial platform of care has been established. Victims often stay because some, however few, of their needs are being met. (See: Why People Stay in Abusive Relationships. ) The Cycle of Violence may combine with economic hardship, social conditioning, emotional attachments, cultural traditions, religious beliefs and/or other reasons to capture the victim in her own cycle of fear and denial making leaving or escaping difficult. (Adapted from Lenore Walker s Battered Women: Harper & Row Publishers New York SF 1979) La Casa de las Madres Adult Crisis line hours Toll free
7 Cycle of Violence Interpersonal violence generally follows a pattern of abuse. Battered women are not constantly being abused nor does the violence occur at completely random times. Abuse tends to be inflicted in a repeating cycle that is made up of three phases. Phase One Tension Building Phase Minor incidents occur Woman tries to calm partner, using whatever she thinks will work She feels there isn't much she can do Batterer only acts out in private Batterer becomes fearful she'll leave because he/she knows the behavior is not appropriate Batterer becomes more jealous and possessive Both people try to rationalize behaviors She withdraws more and more Minor incidents increase Anticipation of battering/hurt causes severe psychological stress for women: can't sleep, loses appetite or over eats, constant fatigue, headaches etc. Tension becomes unbearable Phase Two Acute Battering Incident Release of tension that has built up in phase one Batterer loses control over his/her behavior Battering begins to teach her a lesson-not to hurt her Batterer doesn't remember much during the incident: women do Woman may try to wait out the storm rather than fighting back, thinking she'd be more hurt if she did Woman may consciously or unconsciously believe she provoked the incident, she can no longer tolerate her terror, anger, or anxiety Attack is usually followed by shock, denial, disbelief Women do not seek help during phase two unless badly hurt and tend to return to partners from emergency rooms Briefer phase than others: 2-24 hours Phase Three Kindness and Contrite Loving Behavior Welcomed by both Batterer knows he/she went to far and tries to make up Period of unusual calm Batterer is sorry, begs forgiveness, and promises never to do it again Batterer is sincere and believes he/she can control self Woman wants to believe batterer She sees (again) how wonderful he/she can be Traditional notion that "love conquers all" prevails Woman feels responsible for batterer and her own victimization Batterer reminds her of how much she is needed Each person is dependent on the other, bonding occurs Hard to break the bond in phase three, both want to make their relationship work Victimization of woman becomes complete (Adapted from Lenore Walker: Battered Women: Harper & Row Publishers New York SF 1979) La Casa de las Madres Adult Crisis line hours Toll free
8 . POWER AND CONTROL WHEEL EMOTIONAL & PSYCHOLOGICAL ABUSE Adapted from materials created by: Domestic Abuse Intervention Project, Duluth, Minnesota INTIMIDATION & THREATS Making/carrying out threats to do something to hurt her/him Threatening to leave her/him Threatening to commit suicide Threatening to report her/him to immigration, CPS, or other system Making her/him drop charges Making her/him do illegal things Making her/him afraid with looks, actions, or gestures Smashing things or destroying her/his property Criticism, name calling, put-downs Insulting partner s race or heritage Making her/him feel bad about themselves, attacking her/his self-esteem, humiliating her/him Destroying her/his spirit, making her/him feel guilty The silent treatment Making partner think she/he is crazy, playing mind games ECONOMIC ABUSE Preventing her/him from getting or keeping a job Forcing her/him to work in a role against her/his will Making her/him ask for money Giving her/him an allowance SEXUAL ABUSE Abusing pets/ loved ones POWER & CONTROL Taking her/his money Not letting her/him know about or have access to family income USING Expecting her/him to pay Forcing /manipulating for everything CHILDREN her/him into sex with partner or someone else Making her/him Forcing her/him to view *La forza a cometer feel actos guilty about pornography or sexual activity Unwanted touch or harassing ilegales words Unwanted pregnancy, miscarriage, abortion; birth control sabotage Forced sex while drunk, high, or sleeping Guilt-tripping about sex Treating her/him like a sex object Insulting her/his sexuality ISOLATION & EXTREME JEALOUSY Controlling who he/she is friends with, where he/she goes, what he/she does Not letting her/him work or be involved in her/his own activities Keeping constant tabs on her/ him, including through a pager or cell phone Accusing her/him of cheating without good reason Not allowing her/ him any privacy the children Using children to relay messages Giving the children negative messages about her/him Using visitation to harass Threatening to take away the children Hurting or threatening to hurt the children Using children as a way to create dependency MINIMIZING, DENYING, & BLAMING USING PRIVILEGE Making light of the abuse and not taking her/his concerns about it seriously Denying that the abuse ever happened Shifting the responsibility for the Treating her/him like a servant Making all the big decisions PHYSICAL ABUSE Hitting, pushing, grabbing, scratching, shaking, biting, pinching, strangulation, o any other contact intended to cause intimidation or harm Using larger body size/strength against her/him Denying her/his physical needs, i.e. eating or sleeping Forced use of substances, i.e. alcohol or drugs abusive behavior Saying he/she caused the abuse Being the one to define roles Acting like to head of the household Asserting superiority through gender/class/social status/ cultural heritage, etc. La Casa de las Madres Adult Crisis Line hours Toll free
9 Why People Stay In Abusive Relationships It is important to understand that there are many reasons why people stay in unhealthy relationships. Some of them are listed below: Economic Dependency: Who will support her/him and/or the children? Parenting: Wanting 2 parents for the family. Religious: Pressure to keep the family union. Family: Extended family pressure to keep family together. Fear: Fear of being alone, of being on her/his own and that he/she can t cope with home & children by herself. Loyalty: If partner got sick he/she would stay. Pity: Feeling sorry for her/his partner. Rescue Complex: If he/she stays, he/she can save, fix, or change his/her partner. Fear of Suicide: Partner threatens suicide if he/she leaves. Denial: It s not really so bad. Partner acts like abuse is nothing. Love: Her/his partner can be loving. He/She loves his/her partner despite the abuse. Responsibility: It is her/his duty to make the relationship work. Duty: Responsibility to the relationship or marriage or belief that people must put up with abusive behavior. Guilt: Feels responsible for problems in the relationship and the abusive partner reinforces this feeling. Shame, embarrassment, and humiliation: He/She doesn t want anyone to know. Security: Wanting to live happily ever after. Identity: He/She feels a partner will make themselves complete. Low self-esteem: It must be her/his fault; he/she deserves it; he/she will never find anyone better. Sex role conditioning: The belief that one partner is dominant over the other, men can t help being violent, or women are responsible for the success of relationships. Hope: Memories of happy times, promises to change, or belief that her/his behavior will make the abuse stop. La Casa de las Madres Adult Crisis line hours Toll free
10 Adapted from Lenore Walker s Battered Women: Harper & Row Publishers New York SF 1979
11 Lindsay Sweetnam Business Line: Hour Crisis Line:
12 Who is affected by Domestic Violence? Nearly one in four women in the United States reports experiencing violence by a current or former spouse or boyfriend at some point in her life. 1 In San Francisco, the police department responds to about 4,200 domestic violence reports annually. Domestic Violence affects people of all races, nationalities, socio-economic statuses, educational levels, sexual orientations, gender identities, and immigration statuses. 1 Adverse Health Conditions and Health Risk Behaviors Associated with Intimate Partner Violence, Morbidity and Mortality Weekly Report. February Centers for Disease Control and Prevention. Available athttp://www.cdc.gov/mmwr/pdf/wk/mm5705.pdf
13 What is domestic violence? Power Control
14 POWER AND CONTROL WHEEL
15 POWER AND CONTROL WHEEL
16 POWER AND CONTROL WHEEL
17 POWER AND CONTROL WHEEL
18 POWER AND CONTROL WHEEL
19 POWER AND CONTROL WHEEL
20 POWER AND CONTROL WHEEL
21 POWER AND CONTROL WHEEL
22 POWER AND CONTROL WHEEL
23 POWER AND CONTROL WHEEL
24 Adapted from Lenore Walker s Battered Women: Harper & Row Publishers New York SF 1979
25 Why People Stay? Economic Dependency Love Hope Fear Guilt/Shame Religious beliefs Family Loyalty/Duty Rescue Complex Fear of Suicide Denial Values about parenting/family Low Self-esteem Sex Role Conditioning Lack of role models
26 Lindsay Sweetnam Business Line: Hour Crisis Line:
29 DV101: What is economic abuse and how does it affect our clients? Business Line: Hour Crisis Line:
30 Take a moment to write a secret about yourself on a piece of paper,
31 Take a moment to write a secret about yourself on a piece of paper, something you don t share with most people,
32 Take a moment to write a secret about yourself on a piece of paper, something you don t share with most people, or maybe something you ve never shared with anyone.
33 Take a moment to write a secret about yourself on a piece of paper, something you don t share with most people, or maybe something you ve never shared with anyone. I can t tell you what s going to happen to that secret right now,
34 Take a moment to write a secret about yourself on a piece of paper, something you don t share with most people, or maybe something you ve never shared with anyone. I can t tell you what s going to happen to that secret right now, but I can tell you that I will do my best to keep it safe.
36 Approximately 1 in 3 women worldwide reports experiencing physical or sexual violence by a current or former partner at some point in her life. 1 Nearly one in four women in the United States reports experiencing violence by a current or former spouse or boyfriend at some point in her life. ² Domestic Violence affects people of all races, nationalities, socio-economic statuses, educational levels, sexual orientations, gender identities, and immigration statuses. 1 WHO Multi-county Study on Women s Health and Domestic Violence Against Women: Summary Report of Intitial Results on Prevalence, Health Outcomes and Women s Responses. Geneva, World Health Organization, ² Adverse Health Conditions and Health Risk Behaviors Associated with Intimate Partner Violence, Morbidity and Mortality Weekly Report. February Centers for Disease Control and Prevention. Available athttp://www.cdc.gov/mmwr/pdf/wk/mm5705.pdf
37 Power Control
39 POWER AND CONTROL WHEEL
40 Adapted from Lenore Walker s Battered Women: Harper & Row Publishers New York SF 1979
41 Lack of experience managing money Barriers to Employment Barriers to Housing/Increased risk of homelessness Managing finances during separation
42 Partner had always controlled incoming and outgoing money No experience budgeting or paying bills No access to accounts (bank, credit, or bills) Kept unaware of income
43 Little to no work history or inconsistent work history Need for flexible schedule Losing job due to abuse Partner threatens to out LGBTQ victim Childcare needs
44 Poor or no credit history Poor rental history No landlord references Criminal History Discrimination by landlords Lack of affordable housing
45 According to the U.S. Department of Housing and Urban Development, domestic violence is the third leading cause of homelessness among families. Nationally, approximately half of all women and children experiencing homelessness are fleeing domestic violence (Zorza, 1991; National Coalition Against Domestic Violence, 2001)
46 Taking on debts the abusive partner accumulated (in either partner s name) Fear of asking for child support Batterer refuses to pay child/spousal support Partner hides assets Having to give up one s own assets
47 Think of a time when you stayed in something anything for longer than you should have.
48 Think of a time when you stayed in something anything for longer than you should have. For whatever reason, you knew this thing wasn t right for you anymore,
49 Think of a time when you stayed in something anything for longer than you should have. For whatever reason, you knew this thing wasn t right for you anymore, but you didn t leave right away.
50 Think of a time when you stayed in something anything for longer than you should have. For whatever reason, you knew this thing wasn t right for you anymore, but you didn t leave right away. Maybe it was a relationship, a job, a program in school.
51 Think of a time when you stayed in something anything for longer than you should have. For whatever reason, you knew this thing wasn t right for you anymore, but you didn t leave right away. Maybe it was a relationship, a job, a program in school. Think of all the factors that contributed to you staying.
52 Think of a time when you stayed in something anything for longer than you should have. For whatever reason, you knew this thing wasn t right for you anymore, but you didn t leave right away. Maybe it was a relationship, a job, a program in school. Think of all the factors that contributed to you staying. Write them down.
53 Why People Stay? Love Hope Fear Guilt/Shame Religious beliefs Family Loyalty/Duty Low Self-esteem Rescue Complex Fear of Suicide Denial Values about parenting/family Sex Role Conditioning Lack of role models Economic Dependency
54 Lindsay Sweetnam Business Line: Hour Crisis Line:
56 CCCSSF Intake Forms Supporting Documents
57 Consumer Credit Counseling Service of San Francisco 595 Market Street 15th Floor San Francisco, CA fax Client Information COMPLETE NAME (first / middle initial / last / jr / sr) SPOUSE S NAME SOCIAL SECURITY NUMBER SPOUSE S SOCIAL SECURITY NUMBER DATE OF BIRTH SPOUSE S DATE OF BIRTH CURRENT ADDRESS HOME PHONE NUMBER OF DEPENDENTS EMPLOYER HOME STATUS q Renting q Buying q Other MARITAL STATUS q Single q Married q Divorced q Separated q Widowed SPOUSE S EMPLOYER WORK PHONE (optional) Areas of Interest SPOUSE S WORK PHONE (optional) SPOUSE S CCCS Counselors can answer questions on a variety of subjects. Please check as many as apply: q Budgeting q Student Loans q Back Taxes How Can We Help You? q Fair Debt Collection q Credit Reports q Getting Out of Debt q First-Time Home Purchase q Establishing Credit q Credit Problems q Saving Money q Credit Effects of Bankruptcy q Mortgage Issues COPYRIGHT 2011 CCCSSF REV0311 In order to help us give you the best service possible, please list your most pressing concerns and/or problems: About Our Organization Consumer Credit Counseling Service of San Francisco is a non-profit community service. As a member of the National Foundation for Credit Counseling, we adhere to quality standards that include accreditation, certification of counselors, audits and core policies to ensure quality service. We receive our funding from various sources, including grants and fees for specialized education projects. Most of our funding comes from voluntary contributions from creditors who participate in Debt Management Plans (DMP). DMPs are voluntary programs that serve the dual role of helping you repay your debts and helping creditors to receive the money owed to them. Since creditors have a financial interest in getting paid, most are willing to make a contribution to help fund our agency. The contributions are usually calculated as a percentage of payments you make through your DMP - up to fifteen percent (15%) of each payment received. However, your accounts with your creditors will be credited with one hundred percent (100%) of the amount you pay through us.
58 Income Calculate your monthly income. If you know what your gross pay (before taxes and other deductions) is, please enter that. However, net pay (face value of your check) is the more important figure. Include variable income received each month, such as commissions, as well as periodic income, such as a large tax refund or bonus. This will have to be divided by 12 to get the monthly figure. Monthly Income Gross Net Income Source/Employer Income Source/Employer Retirement/Pension Child Support/Alimony Social Security Food Stamps Unemployment Insurance Support from family/friends Other Other Total Property Present Value Amount Owed Payment Home Mortgage Second Mortgage Vehicle Payment #1 Vehicle Payment #2 Total Assets & Liabiities Present Value Amount Owed Payment Boat Property/Land Timeshare 401K/403B Loan Other Total COPYRIGHT 2011 CCCSSF REV0311 Investments Present Value Monthly Contribution 401K-403B Contribution Savings Account IRA Stocks/Mutual Funds Cash Value Life Insurance Other Total
59 Expenses Enter your monthly expenses below. Since many expenses are variable, such as utilities and groceries, it is important to average these expenses. Other expenses are periodic (such as insurance or vehicle registration). Calculate the annual amount of these expenses then divide by 12. (*Make sure to exclude payroll deducted amounts such as insurance, child care, or transportation benefits.) Housing Current Proposed Rent/Mortgage 2nd Mortgage/Equity Line Condo Fees/HOA Dues Property taxes Homeowner s/renter s Insurance Timeshares Gas/Electric Property/Land Water/Sewer/Garbage Cable/Satellite Telephone Food Current Proposed Groceries/Household Items At Work/School Medical Current Proposed Health/Dental Insurance* Prescriptions/Doctor s Visits Transportation Current Proposed Vehicle Payment #1 Vehicle Payment #2 Vehicle Payment #3 Gasoline/Oil/Repairs Auto Insurance DMV Registration Tolls/Parking/Bus* Child Care Current Proposed Daycare/Sitting* Child Support/Alimony Miscellaneous Current Proposed Tuition/Lessons Student Loans State Owed Taxes Life Insurance* Union Dues Storage Fee Savings Beauty/Barber Movies/Video Dining Out Sports/Hobbies/Clubs Monitored Alarm Gifts for Holidays/Birthdays Pet Care Cell Phone/Pager Banking Fees/Postage Cigarettes/Alcohol Internet Service Church/Charity Contributions 401(k)/403(b) Loans 401(k)/403(b) Contributions Boats/Water Vehicles Federal Taxes Owed IRA s Stocks/Mutual Funds Other Other Totals Current Proposed Total Monthly Expenses COPYRIGHT 2011 CCCSSF REV0311
60 Unsecured Debt Please list all unsecured debts with balances over $100 (except auto loans and mortgages) along with the name of the creditor, interest rate, total balance owing and the required minimum payment. This includes credit and charge cards, installment loans, personal loans and outstanding medical bills. Do not include mortgage, vehicle or student loans. Please have your current creditor statements available during your counseling session. Name of Creditor Account Number Interest Rate Monthly Payment Current Balance Months Late COPYRIGHT 2011 CCCSSF REV For Counselor Use Only Client Number Notes Results Proposed Deposit Date Counseled Counselor
61 Consumer Credit Counseling Service of San Francisco 595 Market Street 15th Floor San Francisco, CA fax Agreement for Counseling Services Please read the following statements carefully. Initial the line next to each statement to indicate understanding. (The singular is used even when the plural may apply.) I understand the agency will provide a confidential personal money management, housing, and/or credit report consultation after which I will receive a written action plan consisting of recommendations for handling my finances, possibly including referrals to other services and agencies as appropriate. I understand that some of CCCS funding comes from voluntary contributions from creditors who participate in the Debt Management Plan (DMP). Since creditors have a financial interest in getting paid, most are willing to make a contribution to help fund CCCS. These contributions are usually calculated as a percentage of the payments I make through my DMP-up to fifteen percent (15%) of each payment received. However, my accounts with my creditors will always be credited with one hundred percent (100%) of the amount I pay. The absence of a creditor contribution will not affect CCCS willingness to work with that creditor. I understand that if I opt to begin a DMP, my participation may affect my credit report and credit score, depending on my creditors policies with respect to the DMP and my payment record prior to and during my participation in a DMP. A DMP could have a negative impact on a credit worthiness decision by a potential creditor, landlord or employer in the future. In addition, creditors may report that I am on a DMP and not paying as originally agreed although they have accepted a reduced payment. The agency has no responsibility or obligation for any past, present, or future credit rating I receive. The DMP will include my unsecure debt and may include certain secured debts. COPYRIGHT 2011 CCCSSF REV0311 I understand that while a DMP may be an option available to me for debt repayment, it is not a suitable option for all clients. I understand my counselor will discuss all of my options to resolve my situation. I understand that receipt of financial counseling services does not automatically guarantee that I will participate in DMP services. I understand that, where permitted by state law, the establishment of a DMP will result in a DMP Education fee, requested prior to the implementation of the DMP, and a monthly administrative fee thereafter. I understand services provided are not contingent on payment of these fees. A counselor may answer questions and provide information about bankruptcy, but not give legal advice. If I want legal advice, I will be referred for appropriate assistance. While an attorney can make a recommendation to file bankruptcy, it is a personal choice based on individual circumstances. I may be referred to other services of the organization or another agency or agencies as appropriate that may be able to assist with particular concerns that have been identified. I understand I am not obligated to use any of the services offered to me.
63 FACTS WHAT DOES CCCS OF SAN FRANCISCO DO WITH YOUR PERSONAL INFORMATION? Rev. 12/2010 Why? What? How? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number, name, address, assets, income, and expenses Credit information and credit history information from credit reporting agencies Account balances, payment history, transactions and usage All financial companies need to share non-public personal information to run their everyday business. In the section below, we list the reasons financial companies can share their non-public personal information; the reasons CCCS of San Francisco chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does share Can you limit this sharing? For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes to offer our products and services to you Yes No Yes N/A For joint marketing with other financial companies No N/A For our affiliates everyday business purposes information about your transactions and experiences For our affiliates everyday business purposes information about your creditworthiness Yes No No N/A For nonaffiliates to market to you No N/A Call our menu will prompt you through your choice(s) To limit our sharing Please note: If you are a new customer, we can begin sharing your information 5 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call or go to
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