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1. 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.


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


3. We do not share the information that we collect with anyone, except as required to
provide the services that you have requested or to complete a transaction with us.


4. If necessary, we may disclose the following information to companies that perform
services for us or to financial institutions, but only as required to provide the services
you have requested or to complete a transaction with us:

- Information we receive from you on applications or other forms, such as your name,
address, social security number, assets, and income;

- Information about your transactions with us, our affiliates, or others, such as your
account balance, payment history, and parties to transactions;

- Information we receive from a consumer reporting agency, such as your
creditworthiness and credit history.


5. 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 in
order to guard your nonpublic personal information.