Data security and customer privacy.

As a financial services firm, we are vigilant about the security, privacy and integrity of the data we manage, both customer and corporate. We have strict privacy and security measures, practices and tools in place to safeguard our data from cybersecurity or other information technology threats that would impact our business operations or the privacy of our customers.

Fair lending practices.

We believe in treating all individuals in a fair and equitable manner. Our daily lending practices are grounded on our fundamental commitment to conduct our business in compliance with applicable laws, regulations, and internal policies. We adhere to the Equal Credit Opportunity Act and the principles of fair lending – the fair, equitable, and non-discriminatory access to credit for customers. Our fully automated loan decisioning tool removes human bias or discrimination in the review of various data sources and approves loan originations solely on their merit.

Governance.

GLS is committed to sound governance and high standards of ethical and responsible business conduct and compliance with all applicable laws, rules and regulations. Our Board has established our Enterprise Risk Committee to provide day-to-day oversight of enterprise-level risks. This committee oversees the management of regulatory, reputational, and operational risks, including compliance activities, legal and regulatory requirements, and our internal audit function. We also have strong policies and procedures in place to ensure the business practices of our vendors and dealers live up to our high standards.