Protecting your privacy is very important to us. We understand that you expect your personal information to be confidential and secure. This notice will help you understand what information we collect about you, how we use it and how we protect it.

In addition, this notice describes your right to prevent information from being shared with any affiliates or non-affiliates (under certain circumstances).

1. INFORMATION WE COLLECT

In connection with providing financial products or services to you, we collect nonpublic and personal information (“nonpublic personal information”). Nonpublic personal information is information that is not available from a public source.

We obtain nonpublic personal information about you from the following sources:

1. a)Information we receive from you on applications, loan and account forms;
2. b)Information concerning your transactions with us; and
3. c)Information we receive from third parties such as credit bureaus.

2. INFORMATION WE DISCLOSE AND WHO WE SHARE IT WITH

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

3. FORMER CUSTOMERS

If you close your account(s) with us or you become an inactive customer, we will continue to adhere to the privacy practices described in this notice.

4. OUR SECURITY PROCEDURES

We restrict access to nonpublic personal information about you to our employees, agents and subcontractors who need this information to provide products and services to you. We maintain physical, electronic or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

5. YOUR CHOICES REGARDING INFORMATION SHARING

We are permitted under law to (and in some cases must) disclose nonpublic personal information to “nonaffiliated third parties” in certain circumstances. For example, we may disclose nonpublic personal information to process your transaction at your request, to control fraud and identity theft, to make certain information a matter of public record such as recording a mortgage, to credit bureaus and to government entities in response to such things as subpoenas. Other than these disclosures which are permitted by law or are authorized and directed by you to process your transaction with us we do not disclose and may not disclose nonpublic personal information without your consent.