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Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to
understand how we collect, use, communicate and disclose and make use of personal information.
Before or at the time of collecting personal information, we will identify the purposes for which information
is being collected.
* We will collect and use of personal information solely with the objective of fulfilling those purposes
specified by us and for other compatible purposes, unless we obtain the consent of the individual
concerned or as required by law.
* We will only retain personal information as long as necessary for the fulfillment of those purposes.
* We will collect personal information by lawful and fair means and, where appropriate, with the knowledge
or consent of the individual concerned.
* Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary
for those purposes, should be accurate, complete, and up-to-date.
* We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
* We will make readily available to customers information about our policies and practices relating to the
management of personal information.
* We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.
This short outline included important aspects of our privacy policy. To review our entire privacy
policy, email us at the "Contact Us" email on this web site.

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

- Information we receive from you on applications or other forms;

- Information about your transactions with us, our affiliates, or others; and

- Information we receive from a consumer reporting agency.

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

3. We may share all the information that we collect, as described above, with our affiliates. By sharing this information, we can better serve your financial needs. If you do not wish for us to share this information with our affiliates you may contact us.

4. We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

- Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;

- Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and parties to transactions;

- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

5. 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 regulations in order to guard your nonpublic personal information.