We recognize that protecting your personal financial information is important to you and we are committed to maintaining standards that safeguard your confidentiality.  The trust and confidence of our customers has always been our goal and that is why we have always taken steps to respect and protect your privacy.

We collect, retain, and use your nonpublic personal information only for specific business purposes such as maintaining your accounts and records, providing you with opportunities for new products and services, complying with laws and regulations and otherwise continuing to meet your financial needs.
We collect nonpublic personal information about you from the following sources:

1. Information you provide to us on product and service applications, including financial information such as assets, debts and earnings, or vital information such as name, address, and Social Security Number.
2. Information from your accounts and transactions with us or our affiliates, including the types of accounts, payment/deposit history and transaction activity.
3. Information we receive from a consumer reporting agency such as your creditworthiness and credit history.

We are permitted under the Fair Credit Reporting Act to share information about our experiences or transactions with you or your account with companies related to us by common control or ownership.  As a result, you may receive information from us about products and services that have value for you.  We do not share credit information with any of our affiliates.

We are also permitted to disclose nonpublic personal information about you to nonaffiliated third parties in certain circumstances, such as to service your accounts, in response to subpoenas, to credit reporting agencies and with your consent.  We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.

We may disclose all of the information we collect, as described above in “Information We Collect” with companies that perform marketing services on our behalf or with other financial institutions with which we have joint marketing arrangements. These arrangements give you an opportunity to receive additional products and services.

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

We restrict access to your nonpublic personal information to only those employees who need to know that information to provide products and services to you. Our employees are educated on the importance of privacy and confidentiality.
We also require companies working for us to adhere to confidentiality provisions and restrictions that prohibit the use of any information beyond the performance of the specified service. In addition, we maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.