What information is Collected, Used, and Retained

We collect, use, and retain nonpublic personal information about you only where we reasonably believe that it will help administer our business or to provide products, services, and other opportunities to you. Nonpublic personal information is personally identifiable financial information about you that we obtain in connection with providing a financial product or service to you. For example, it includes information regarding your account balance, payment history, and overdraft history.

We collect nonpublic personal information about you from the following sources:

1. Information we receive from you on applications or other loan and account forms, such as your name, address, social security number, assets, and income;
2. Information about your transactions with us or others such as your account balance, payment history, parties to transactions, and credit card usage; and
3. Information we receive from a consumer reporting agency such as credit bureaus, such as your creditworthiness and your payment history.

We use the information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior services.

We use and retain the information collected from you while you are a customer and for a period of time after you have discontinued the relationship or become an inactive customer as disclosed in this policy and as allowed or required by applicable law or regulation.

What information is Disclosed

We will share nonpublic personal information that we collect as described above as permitted under law.

Safeguarding the Security of Customer Information

We maintain physical, electronic, and procedural information safeguards that comply with federal standards to guard nonpublic personal information. We continually evaluate and access new technology for protecting information.