PRIVACY STATEMENT

INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:
 -Information we receive from you on applications or other forms,
 -Information about your transactions with us, our affiliates, or others,
 -Information we receive from a consumer-reporting agency

NO DISCLOSURES OUTSIDE OF EXCEPTIONS
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

We are permitted by law to disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.