Wednesday, October 18, 2017

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Privacy Notice
Customer service is very important to us. As we continue to improve and expand our services and delivery channels, we recognize that our customers need and desire to preserve their privacy and confidentiality. This privacy disclosure is being issued to comply with the provisions of the Gramm-Leach-Bliley Act governing the privacy of consumer financial information. The following statement affirms our continued commitment to preserving confidentiality.  « 

Information we collect
We gather nonpublic personal information about our customers, including information gathered over the Internet, for specific business purposes only. We collect nonpublic personal information about you from the following sources:

>>   Information we receive from you on applications or other forms such as: your name, address, and email address.
>>   Information about your transactions with us or others; and
>>   Information we receive from a consumer-reporting agency, such as your credit history.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law.  « 

Information we disclose, as permitted by law
Some examples of instances when we may disclose nonpublic personal information about our customers or former customers include:

>>   To provide you with products and services that you have requested;
>>   To complete or verify a transaction;
>>   To manage customer accounts, transactions, and records;
>>   To investigate possible fraud or criminal activity;
>>   To comply with laws and regulations; and
>>   When you provide us with your permission

Sometimes, in order to provide you with better service, we contract with third party service providers (for example-check printing companies). We require that our third party providers honor our customers' rights to privacy.

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 do not provide our customers' nonpublic personal information to mailing lists or any other marketing agency other than for our use to market our products.  « 

Confidentiality and security
Safeguarding our customers' privacy is also very important to us. We have adopted standards that hold our employees responsible for maintaining and preserving confidentiality. We restricts access to nonpublic personal information about you to those employees who have a specific business purpose for using it. Our employees are trained on the importance of maintaining confidentiality and privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.  « 

Effective Date
This Privacy Notice is effective as of April 1, 2001. We reserve the right to change our Privacy Statement, and if we do so, we will notify you.  «