PRIVACY STATEMENT

The information in this statement relates to information we collect and you provide.  We understand that protecting consumer privacy is important.  This notice is provided to you pursuant to the Privacy of Consumer Financial Information Act and The Federal Trade Commission’s implementation regulation thereunder, 16 CFR Part 313.

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 or affiliates or others; and

Information we receive from a consumer-reporting agency.

INFORMATION WE DISCLOSE

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

EMPLOYEE ACCESS TO CUSTOMER 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 you nonpublic personal information.

SECURITY PROCEDURES

We maintain appropriate security standards and procedures regarding unauthorized access to customer information.

PATRIOT ACT INFORMATION DISCLOSURE

IMPORTANT INFORMATION ABOUT APPLICATION PROCEDURES

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies every customer.

What this means for you:  When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.