Information obtained about you as described in this notice will be safeguarded in the manner described below:

1. We collect limited, nonpublic personal information about you from the following sources:

• Information we receive from you on credit applications or other forms that you submit;
• Information about your business transaction with us from our affiliates; and
• Information we receive from a consumer credit reporting agency on your behalf.

2. We may disclose any or all of the information we collect, as described above, to companies that perform marketing services on your behalf or to other financial institutions with whom we have joint marketing agreements. We may make such disclosures about you as a consumer, customer or former customer in order to provide you the product or service that you request.

3. We may also disclose such limited, nonpublic personal information about you as a consumer, customer or former customer to non-affiliated third parties as permitted by law in order to communicate products or services to you.

4. We restrict access to nonpublic personal information about you to only those employees who need to know that information in order to provide products or services to you that you request. In addition, we maintain physical, electronic and procedural safeguards that comply with federal regulations in order to safeguard your limited, nonpublic personal information.