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

• information we receive from your application or other forms;
• information about your transactions with us, our affiliates , or others and
• information we receive 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 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 us to share this information with our affiliates, please contact us.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide produvts or services to you. We maintain physical, electronic and procedural safeguards that comply with state and federal regulations in order to guard your nonpublic personal information.