1. We collect personal nonpublic information about you from the following sources:
     a. Information we receive from you on an application for credit or other similar forms;
     b. Information about your transactions with us and others; and,
     c. Information we receive from a consumer-reporting agency.

2. Please be aware that it is our policy to disclose the above nonpublic personal information to only those companies that perform marketing services or other functions on our behalf or to other financial institutions with which we have joint marketing agreements.

3. We do not disclose any nonpublic personal information about you to anyone except as permitted by law.

4. Further, we restrict access to your nonpublic personal information to only those employees who need to know that information to provide products or services to you. Employees cannot use your information for any other purpose. For your safety, we maintain physical, electronic and procedural safeguards to further guard your nonpublic personal information.