We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding collection and use of our customers' personal information, as well as personal information of all consumers who visit our institution and web site.

Collection of Information
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, nonaffiliated third parties, or others.
• Information we receive from a consumer reporting agency.

Nonpublic personal information is information we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources such as telephone directories or government records. A nonaffiliated third party is a company that is not an affiliate of ours.

Disclosure of Information
We do not disclose, nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone except as permitted by law. We may disclose information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Protection of Your Information
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.