I do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

I may share all the information that we collect, as described above, with my affiliates. By sharing this information, I can better serve your financial needs. If you do not wish for me to share this information with my affiliates you may contact me.

I collect nonpublic personal information about you from the following sources: 

• Information I receive from you on applications or other forms; Information about your transactions with me, my affiliates, or others; and Information I receive from a consumer reporting agency.

I may disclose the following information to companies that perform marketing services on my behalf or to other financial institutions with whom I have joint marketing agreements: 

• Information I receive from you on applications or other forms, such as your name, address, social security number, assets, and income; Information about your transactions with me, my affiliates, or others, such as your account balance, payment history, and parties to transactions; 
• Information I receive from a consumer reporting agency, such as your creditworthiness and credit history

I restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. I maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your nonpublic personal information.