Categories of information that we may collect:
We collect nonpublic personal information about you from the following sources:

·        Information we received from you on application or other forms;

·        Information about your transactions with us, our affiliates, or others; and

·        Information we receive from a consumer-reporting agency.

Categories of Information that we may disclose:
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

Disclosure as Permitted by Law:
We may disclose all the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

Confidentiality and Security:
We restrict access to nonpublic personal information about you to those employees and officials who need to know the information 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.

If you decide to terminate your membership or become an inactive member we will adhere to the privacy policies and practices as described in this notice.