Privacy Policy We want you to be aware of our policies with respect to the disclosure of nonpublic information about you that we have collected from you or others in connection with the financial products and services that we provide to you. We recognize that the confidentiality of this information is extremely important to you and we hope that the information in this notice will assure you that we keep this information confidential as described herein. Under no circumstances do we sell your information. Our policy tells you about the information we collect about you and to whom we may disclose that information. Some terminology we will use throughout this disclosure follows:
  • Nonpublic personal information.
Nonpublic information is information that is collected when providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
  • Everyday business purpose.
The actions necessary to run our institution and manage customer accounts such as processing transactions, mailing and auditing services, providing information to credit bureaus, responding to court orders and legal investigations.
  • Nonaffiliated third parties. Nonaffiliated Third Parties are companies that do not share common ownership or control with us. They can be financial or non financial companies.
  • Joint Marketing.
Joint marketing is a formal arrangement between nonaffiliated financial companies, such as credit card companies, that work together to market products or services to you.

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 nonaffiliated third parties
  • Information from a consumer reporting agency

No disclosure outside of expectations
We do not disclose any nonpublic personal information about you while you are a customer or there after, except (1) as permitted by law and (2) to nonaffiliated third parties that perform marketing services on our behalf or to other financial institutions with whom we have a joint marketing agreement (which, among other things, prohibits further disclosures by such nonaffiliated third parties except in accordance with law).

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. The information we will share with such nonaffiliated third parties includes the following:
1. Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income.
2. Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, credit card usage and the like, and
3. Information we receive from any consumer reporting agency about you, such as your credit worthiness and credit history.

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