Safeguarding the privacy of our customers

We greatly appreciate the responsibilities that accompany the privileges of providing you with financial services. One of our foremost obligations is protecting your privacy. This information contained in this statement outlines the measures we take to keep your personal information secure. We trust you will find this information enlightening and reassuring. When you ask any member of our staff to provide you with financial services, you entrust us with the protection of your personal information. We consider the trust you place in us our most important responsibility and are taking this opportunity to explain our privacy policy.

Important ways we protect your information

• We do not share personal information about you with any third parties, except as necessary to process and maintain your records.
• We limit access to the personal information of our customers only to those employees and agents who require this data in order to process and maintain your records. All our people work under strict standards and procedures to protect the confidentiality of your personal information.
• We maintain physical, electronic, and procedural safeguards in complete accordance with state and federal standards to further protect your personal information.

How we retrieve information about you

We may receive information about you in several ways. When you submit a loan application, we must collect certain information about you in order to process your request and meet legal and regulatory requirements. This information will come from you, from people and establishments you identify in the application process (for example, references you provide) and from established credit bureaus or similar information agencies. You may also provide us with information voluntarily- for example, if you write, telephone or visit our website. Any information obtained about you through the Internet is protected with the same care and safeguards as the information obtained in other ways.

Information we have about you

We do not provide information specifically about you to people or companies that are not affiliated with us, except:

• To accommodate your request or authorization.
• To facilitate the completion of a transaction which you initiate or authorize.
• To follow federal requirements for working with established credit bureaus.
• To comply with federal or state law.

Rest assured, protecting your privacy is a top priority for us. Our physical and electronic safeguards are designed to keep your records confidential and protect your peace of mind. As one of our valued customers you can rest assured that your personal information is both safe and secure.