Notice of Your Financial Privacy Rights

We respect the privacy of our customers and are committed
to treating customer information responsibly.

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

1) Information we receive from you on applications or other forms;
2) Information about your transactions with us and others, and
3) Information we received from a consumer-reporting agency.

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

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