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

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our subsidiaries, or others; and
• Information we receive from a consumer reporting agency.

We may disclose the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. However, we do not share credit-related information or any information received from a consumer-reporting agency. We do not disclose any nonpublic personal information about you to anyone else, except as permitted by law.

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.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice. 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 at 1-800-320-7536.