PRIVACY
The following privacy principles were established to maintain the security, integrity and confidentiality of your personal financial information.

The type of information we collect-
We routinely collect and retain the information we obtain from your account applications, transaction history (for deposits, loans, credit cards, etc.) and from consumer reports. This information helps us:

• To establish and administer your accounts.
  (Example: We ask for personally identifying information to protect your accounts from fraud.)
• To satisfy certain regulatory requirements.
  (Example: When you open an account that pays interest, we are required by the Internal Revenue Service to obtain your social security number.)
• Better understand you so that we may provide you with additional or improved products and services.
  (Example: We require information concerning your credit history and your assets to determine if you qualify for loan approval.)

We do not share our current or previous customers’ nonpublic personal information with affiliates or with nonaffiliated third parties except as permitted or required by law.

Authorized Sharing-Outside Marketing Services
We may disclose the following information to companies that perform marketing services on our behalf: Information you give us on an application or other forms, such as: Name & Address. We disclose the information listed above with companies that perform marketing service on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses
Here are the types of businesses with whom we may disclose information for outside marketing purposes. Service providers that perform marketing services for us, such as: Direct Mail Companies

Reasons for Disclosing
We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

How is that information protected?
Access to your personally identifiable financial information is limited to employees with a specific business reason for utilizing this data. Our employees are educated about the importance of maintaining confidentiality and customer privacy. If necessary we take appropriate disciplinary steps to enforce our employees’ responsibility to protect your very personal information.