Privacy Protection Policy

Categories of Nonpublic Personal Information We Collect

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your loan balance, payment history and account balance.

We may collect "nonpublic personal information" about you from the following sources: Information we receive from you on applications for loans or other loan and deposit account forms; Information about your transactions with us or others; and Information we receive from third parties such as credit reporting agencies.

Categories of Nonpublic Personal Information We Disclose

We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or savings account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

We have never in the past, nor do we plan to sell any nonpublic personal information to third parties.

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to safeguard your nonpublic personal information.

Closing Your Account With Us

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Notice Not a Contract

This Privacy Notice does not create a contract. From time to time, we may amend or change the terms of this notice. In that event, we will provide you with a revised privacy notice.