INITIAL PRIVACY NOTICE TO ALL CONSUMERS AND CUSTOMERS

1. 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, our affiliates or others; and
• Information we receive from a consumer reporting agency
2. 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 whom we have joint marketing agreements. We may make  such disclosures about you as a consumer, customer, or former customer.
3. We may also disclose nonpublic personal information about you as a consumer, customer, or former customer, to non affiliated third parties as permitted by law.
4. We restrict  access to nonpublic personal information about you to employees and contract vendors who need to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

CUSTOMER ACKNOWLEDGEMENT:

I (we) acknowledge that I (we) understand this notice.