1. We collect nonpublic personal information about you from the following sources:
Information that we receive from you on applications or other forms
Information about your transaction with us, our affiliates or others; and
Information we receive from consumer reporting agency

2. We may disclose all of 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. We may not make such disclosures  about     you as a consumer, customer, or former customer.

3. We may also disclose nonpublic personal information about you as a consumer, customer or former  customer, to nonaffiliated      third parties as permitted by law.

4. 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   regulations to guard your nonpublic personal information.