The type of information we collect -

We routinely collect and retain the information we obtain from your account applications, transaction history (for deposits, loans, credit cards, etc.), and consumer reports.  This information helps us:

• To establish and administer your accounts.
  (Example:  We ask for personally identifying information to protect your accounts from fraud.)
• To satisfy certain regulatory requirements.
  (Example:  When you open an account that pays interest, we are required by the Internal Revenue Service to obtain your Social Security Number.)
• To better understand you so that we may provide you with additional or improved products and services.
  (Example:  We require information concerning your credit history and your assets to determine if you qualify for loan approval.)

We do not share the nonpublic personal information with affiliates or nonaffiliated third parties except as permitted or required by law.

How is your information protected?

Access to your personal identifiable financial information is limited to employees with a specific business reason for utilizing this data.  Our employees are educated about the importance of maintaining confidentiality and member privacy.

In order to prevent unauthorized access to your information, we maintain security standards and procedures that conform with industry practices.    These security standards and procedures are routinely tested to verify the integrity of our systems.