We are committed to safeguarding customer information.  In order to better serve your needs now and in the future, we may ask you to provide us with certain information.  We understand that you may be concerned about what we will do with such information - particularly, personal or financial information.  We agree that you have a right to know how we will utilize the personal information you provide to us.  Therefore, we have adopted this Privacy Policy to govern the use and handling of your personal information.

APPLICABILITY - 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.

COLLECTION OF INFORMATION - We may collect nonpublic personal information from:

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

USE OF INFORMATION - We request information from you for our own legitimate business purposes and not for the benefit of any non-affiliated party.  We will not release your information to non-affiliated parties except: (1) as necessary for us to provide the product or service you have requested of us; or (2) as permitted by law.  We may, however store such information indefinitely, including the period after which any customer relationship has ceased.  Such information may be used for internal purpose such as quality control efforts or customer analysis.  Even if you are no longer our customer our Privacy Policy will continue to apply to you.

CONFIDENTIALITY AND SECURITY - We will use our best efforts to ensure that no unauthorized parties have access to any of your information.  We restrict access to nonpublic information about you to only those individuals and entities who need to know that information in order 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.