IMPORTANT INFORMATION ABOUT YOUR PRIVACY

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 affiliates, or others; and
• information we receive from a consumer reporting agency.

We may disclose all of the information that we collect, as described above.

We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf and to other financial institutions with whom we have joint marketing agreements, such as insurance companies and securities broker dealers. 

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.  We do not disclose nonpublic personal information about former customers 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.

2007