In order to provide service to you now and in the future, it is  necessary for you to provide us with certain information. We understand that you  may be concerned about what we will do with such information - particularly any  personal or financial information. We agree that you have the right to know how  we will utilize this information. Therefore we have adopted this Privacy Policy  to govern the use and handling of your personal information.

This Privacy Policy governs our use of the information that you provide to us. It does not govern the manner in which we may use information we  have obtained from any other source, such as information obtained from a public  record or from another person or entity.

Depending upon which of our services you are utilizing, the types  of nonpublic personal information that we may collect include:

• Information we receive from you on applications, forms, and in other  communications to us, whether in writing, in person, by telephone or any other  means;
• Information about your transactions with us, our affiliated companies, or  others; and
• Information we receive from a consumer reporting agency.

We request information from you for our own legitimate business  purposes and not for the benefit of any nonaffiliated party. Therefore, we will  not release your information to nonaffiliated parties except: (1) as necessary  for us to provide the product or service you have requested of us; or (2) as  permitted by law.

Even if you are no longer our customer, our Privacy Policy will  continue to apply to you.

We will use our best efforts to ensure that no unauthorized  parties have access to any of your information. We restrict access to nonpublic  personal information about you to those entities and individuals who need to  know that information to provide products or services to you. We will use our  best efforts to train and oversee our employees and agents to ensure that your  information will be handled responsibly and in accordance with this Privacy  Policy. We currently maintain physical, electronic, and procedural safeguards  that comply with federal regulations to guard your nonpublic personal  information.