Privacy Policy 

 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 any personal of 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.

 Types of Information

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, 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.

 Use of Information

We request information from you for our own legitimate business purposes and not for the benefit of any non-affiliated party.  Therefore, 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 ceases.  Such information may be used for any internal purpose, such as quality control efforts or customer analysis.  We may also provide all of the types of nonpublic personal information listed above to one or more of our affiliated companies. Such affiliated companies include financial service providers, such as title insurers, property and casualty insurers, and trust and investment advisor companies, or companies involved in real estate services, such as appraisal companies, home warranty companies, and escrow companies.  Furthermore, we may also provide all the information we collect as described above to companies that perform marketing services on our behalf, on behalf of our affiliated companies or to other financial institutions with whom we or our affiliated companies have joint marketing agreements.

 Former Customers

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 personal information about you to those individuals and entities that 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.

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