We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We will first define some of the terms that we will use:

Nonpublic Personal Information
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

Affiliates
An affiliate is a company that we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

Nonaffiliated Third Party
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as a nonaffiliated third party, or simply, an "other party".

We collect information about you from the following sources:

• Information you give us on apllications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transaction with other parties
• Information from a consumer reporting agency

We restrict access to 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 to protect this information.

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

• Transaction and experience information from our account records
• Information about your transactions and experience with us, such as name, address, parties to the transaction and phone

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

We do not disclose information about former customers, except as permitted by law.