NOTICE

PRIVACY OF CONSUMER FINANCIAL INFORMATION

(This Notice is given in compliance with 17 CFR Part 248)

We collect nonpublic personal information about you 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

·        Information we receive from a consumer reporting agency.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.  Access to nonpublic personal information about you is restricted to those employees who need to know that information to provide services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.