Privacy Statement

IMPORTANT INFORMATION ABOUT PRIVACY

We Value Your Trust. Trust is the foundation of our relationship with you. You have selected us to provide financial products and services because you trust us to act with integrity, to process your financial transactions and administer your accounts accurately, to handle information about you responsibly and to preserve the confidentiality of your financial affairs. We strive every day to earn your trust and confidence.

We recognize and respect your privacy expectations and are committed to protecting your privacy rights. At the outset, we want to assure you that:

• We do not sell our customer mailing lists or other customer information to outside marketing firms.
• We will continue to protect your privacy rights even after you close your accounts or become an inactive customer.

About This Notice. This notice summarizes our consumer privacy policies and practices and certain rights you have under the federal Fair Credit Reporting Act. Our consumer privacy policies and practices protect the confidentiality of information about individuals who obtain financial products or services from us primarily for personal, family or household purposes. They apply with equal force to both current and former customers. When we use the term “information” in this notice, we mean information about you that is not publicly available. The policies and practices described in this notice do not apply to or protect information about you that is publicly available, information about business entities or information about individuals who obtain financial products or services for business, commercial or agricultural purposes. We have included examples in this notice of information we collect, how we use it, with whom we share it and what we do to protect it. The examples we use are for the purpose of illustration only – you should not consider them to be a comprehensive description of our privacy practices. This notice does not apply to your relationships with other financial service providers (such as other banks or mortgage brokers). Their privacy policies will govern how they collect, use and disclose personal information about you.

We Collect and Use Information Responsibly. We collect and use information about you to administer our business and provide you with high quality loan products and services. We collect information about you from a variety of sources, including:

• Information you provide us on applications, personal financial statements or in other oral, written or electronic communications. For example, this information may include your name, address, Social Security number, employer, assets, and income. The only information we collect about you through our websites is information you voluntarily provide.
• Information we receive from consumer reporting agencies (credit bureaus). For example, this information may include your credit history, credit score and other information about your creditworthiness.

We use information about you, for example, to process your applications, process your transactions, serve your financial needs and to determine your eligibility for products and services we offer and provide you with information about our products and services.

We Protect Information Internally. The only people authorized to access customer information are those who have a legitimate business reason to do so in connection with their job responsibilities. Our Code of Ethics to access customer information only for legitimate business purposes and to keep information about you confidential binds our employees. We emphasize this confidentiality obligation in our training and procedures and maintain appropriate disciplinary measures to enforce our employees’ privacy responsibilities.

 In Other Situations. We do not otherwise disclose information about you without your consent except as required or permitted by law. For example, we are permitted or required to disclose information about you to process your loan and maintain and service your accounts with us, to report our experiences with you to credit bureaus in accordance with well-established banking practices and the federal Fair Credit Reporting Act, to protect against fraud or loss, or to respond to a subpoena or court order.

We Make Every Effort to Maintain and Report Accurate Information. We make every effort to maintain accurate, current and complete records of financial information about you in accordance with reasonable and prudent commercial standards. When we learn of inaccuracies, we promptly make corrections.

Reporting Information to Credit Bureaus. We may report information about your account or accounts to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.