We are committed to maintaining the confidentiality, integrity and security of your personal information. When you provide personal information, we believe that you should be aware of our policies to protect the confidentiality of that information.

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, or others;

From time to time, in order to provide better service to you, or to keep you advised of products and services that we think may be useful to you, we may disclose all of the information that we collect, as described above.

We may disclose nonpublic personal information about you to the following types of third parties:
       Financial service providers, such as mortgage bankers, securities broker-dealers, and   
       insurance agents;

We may also disclose nonpublic information about you to nonaffiliated third parties as permitted by law.

We may disclose nonpublic personal information about our former customers to the same extent as for our current customers.

We may 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.

We reserve the right to disclose all of the information that we collect, as described above, to any affiliates that we may have at that time and to the following types of third parties:
       Financial service providers, such as mortgage bankers, securities broker-dealers, and
       insurance agents;

The law permits us to share certain kinds of information with our affiliates, including identifying information and information about your transactions with us. We may also share other information with our affiliates, including information we receive from a consumer reporting agency. If you prefer that we do not share these kinds of information with our affiliates, you may direct us not to share this information by calling us at the following toll-free number: 1-866-468-7678.

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated thir parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of the disclosures to nonaffiliated third parties, you may call the following toll-free number: 1-866-468-7678.

We restrict access to nonpublic personal information about you to those employees with a legitimate business need for the information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.