PRIVACY statement

- Information that we receive from you on application or other forms.

- Information about your transactions with us.

- Information which we receive from a consumer reporting agency.

We do not disclose any nonpublic personal information about our customers or former customers to any nonaffiliated third parties, except as permitted by law.  We do not rent or sell your name or other personal financial 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, updating them as needed so that we may guard your personal information.