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

* Information about your transactions with us or others; and

* Information we receive from a consumer reporting agency.

We may disclose the information we collect, described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We do not disclose nonpublic personal information about you to anyone else, except as permitted by law. If you decide to close your account(s) or become an inactive member, we will adhere to the privacy policies and practices as described in this notice.

We restrict access to your personal and account information 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.

Your confidence in us is important and we want you to know that your personal and account information is safe. If you have any questions or concerns, please contact us.