,■,Nonaffiliates we share with can include government entities, credit bureaus, insurance companies, companies that ,perform marketing services on our behalf, and companies that assist in servicing your loan(s) or account(s) with us.,Joint marketing,A formal agreement between nonaffiliated financial companies that together market financial products or services to ,you.,■,Our joint marketing partners include financial institutions such as insurance companies and financial product or ,service marketing companies.