We collect nonpublic personal information about our customers from the following sources:

• information we receive from you on applications and other forms;
• information about your transactions with us, our affiliates, or others; and/or
• information we receive from a consumer reporting agency

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 who we have joint marketing agreements. We may also disclose nonpublic personal information about our customers and former customers to nonaffiliated third parties as permitted by law.

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.