• All of our consumer customers who have a continuing relationship with us, such as:

  • Deposit account

  • Loan account

  • Credit Card

  • Safe deposit box

We will tell you the source for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms:

• 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.

• An affiliate is a company 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.

• A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION WE COLLECT

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

• Information about your transactions with nonaffiliated third parties

• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

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.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We may disclose nonpublic personal information about you to the following
types of third parties:

• Service providers, which act as our data processor

Except as permitted by law or as stated herein, we will not disclose
nonpublic personal information about you to nonaffiliated third parties.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

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

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Nonpublic personal information we receive from you on an application or other form, such as:

  • Name

  • Address

Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have the right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Business. Here are the types of businesses with whom we may disclose nonpublic personal information under this section:

• Financial service providers, such as

  • Credit card issuers