We may collect non-public personal information about you from the following sources:

+Information that you provide to us, such as on applications or other forms;

+Information about your transaction with us or others; and

+Information from others, such as crredit bureaus, real estate appraisers and employers

 We do not disclose any non-public personal information about you to anyone, except as permitted by law.

To maintain security of customer information, we restrict access to your personal and account information to persons who need to know that information to provide you with products or services.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

 If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.  To further safeguard your information, we would like to caution you against transmitting sensitive data, like account numbers, to us via electronic mail without proper encryption.