Initial Privacy Notice

In connection with your transaction we may obtain nonpublic personal information about you and that information is handled as stated in this notice. This does not apply to information obtained in a non-financial transaction.

1. We collect personal nonpublic information about you from the following sources:

a. Information we receive from you on an application for credit or 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 that comply with federal regulations to further guard your nonpublic personal information.