This notice is being provided to you in accordance with the Securities and Exchange Commission’s rule regarding the privacy of consumer financial information (“Regulation S-P”). Please take the time to read and understand the privacy policies and procedures that we have implemented to safeguard your non-public personal information.
INFORMATION WE COLLECT
We collect certain personally identifiable financial information about our customers to assist us in providing financial services and products. The personally identifiable financial information that we gather during the normal course of doing business with you may include:
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
INFORMATION WE DISCLOSE
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law, or as necessary to provide services to you. In accordance with Regulation S-P, we may disclose all of the information we collect, as described above, to certain non-affiliated third parties such as, attorneys, accountants, auditors or persons or entities that are assessing our compliance with industry standards. We enter into contractual agreements with all nonaffiliated third parties that prohibit such third parties from disclosing or using the information other than to carry out the purposes for which we disclose the information.
CONFIDENTIALITY AND SECURITY
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.
 Non-public personal information means personally identifiable financial information and any list, description or other groupings of consumers that is derived using any personally identifiable financial information that is not publicly available.