We collect non-public, personal information about you from the following sources:  1) Information we receive from you on applications or other forms; 2) Information about your transactions with us, our affiliates, or others; and 3) Information we receive from a consumer credit reporting agency.

 We do not disclose any nonpublic personal information about our customers or former customers to any affiliate, except as permitted by law, or with your consent.

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.

We may make disclosures to other nonaffiliated third parties as permitted by law.