This notice provides information to you, our customer, about how we collect, disclose, and protect Nonpublic Personal Information we obtain about you in the course of our business together. When we use the terms Nonpublic Personal Information in this notice, we mean personally identifiable financial information that is not publicly available.

Information we may collect. We collect Nonpublic Personal Information about you from you and from other sources, including the following:
• Information we receive from you on loan applications or other forms;
• Information about your transactions with us or others;
• Information we receive from a consumer reporting agency.

Our disclosure policy. We do not disclose any Nonpublic Personal Information about our customers or former customers to anyone except as permitted by law.

We may disclose all of the information we collect, as described above, about our customers and former customers to companies that perform services and functions, including marketing services, on our behalf and we may disclose some of this information to other financial institutions with whom we have joint marketing agreements.

How we protect your information. 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 government regulations to guard your Nonpublic Personal Information.

This policy may change. We reserve the right to change our privacy policy and this privacy notice from time to time without prior notice to you, unless prior notice is required by law.