Protecting Your Privacy

We are committed to providing you with quality financial products and superior services. Protecting your privacy and the information you entrust to us is a priority that is not overlooked. We recognize our obligation to keep your information secure and confidential; therefore, we want you to know our policies for protecting non-public personal information about individuals who obtain financial products or services from us for personal, family, or household purposes. Non-public personal information which is not readily available from a public source and includes, for example, information about your account, payment history, financial position, income, and information obtained from credit reporting agencies.

Our Commitment to You

Our employees are bound by a code of ethics, which requires that we treat customer information as confidential. We restrict access to non-public personal information to employees who need to know that information to provide products or services. Specific procedures have been developed to safeguard your private information and comply with government standards.

Servicing Your Needs

To provide you with the highest quality financial products and services, we need to know certain kinds of information. We collect non-public personal information about you from the following sources:

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income;
• Information about transactions with us, our affiliates or others, such as your account balance, payment history, parties to transactions and credit usage;
• Information we receive from credit bureaus, such as your creditworthiness and your payment history.

Enhancing the Client - Lender Relationship

From time to time we engage non-affiliated third parties to perform services for us or perform functions on our behalf. The services a non-affiliated third party may perform for us include servicing customer accounts and marketing our own products or services. In addition we may jointly offer or sponsor financial products or services with other financial institutions. In this situation, we may disclose the information we collect to companies or to other financial institutions that perform services on our behalf. Except for these instances, we do not disclose any non-public personal information about our customers to non-affiliated third parties, except as permitted by law. We may, however, share information with non-affiliated third parties if we have your consent, such as when you request it or you ask us to process a transaction that requires us to do so.

Information We Can Share With Our Corporate Family About You

As permitted by law, we may share information relating to your transactions or experiences with us with other members of our corporate family, including affiliate banks, mortgage bankers, securities broker-dealers, insurance agencies or other affiliated entities. We do not share other Consumer Report information as defined by the Fair Credit Reporting Act with other members of our corporate family.