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| Protecting the Confidentiality of Our Customers' Information
Privacy Protection: Our Commitment to You. We recognize the sensitive nature of your personal financial information, and take appropriate precautions to protect your privacy. When you entrust us with this information, you can be certain it will be used only within our strict guidelines. We are required to provide our customers with a document illustrating the types of customer information we collect and the circumstances under which we may share it. This brochure describes those practices. We hope you will read through all the details of our official position on privacy. Importantly, we want you to understand that we use information responsibly and in order to: Provide you with the services you've requested. you other financial products and services. doing business with us more convenient for you. In no case do we provide account or personal information to other companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services. Only in extremely limited circumstances, outlined below, do we share your information with other financial services firms for marketing purposes. The kinds of information we collect. If you apply for a loan or a new account: We ask you to provide information about your financial status, such as employment, income, monthly expenses and assets, as well as identifying information such as your address, telephone number and Social Security number. In most cases, you give us this information yourself, in person, by mail, or through a web site. If we need to know about your credit and repayment history, we also obtain information from consumer reporting agencies and other creditors. How we use this information. The information we collect is used to help us deliver the services you've requested, easily and efficiently. It may also permit us to design and offer specific products and services that we believe will be useful to you and other customers. Who has access to this information? Our employees are permitted access to the information they need to perform their jobs on your behalf. We maintain strict internal policies against unauthorized disclosure or use of customer information by employees. Outside service providers: We have arrangements with companies whose experience is essential for our own services to operate properly. For example, we work with firms that make account statements for our customers. We also have arrangements with companies that assist us in marketing our own products and services. For example, these firms may perform direct mail fulfillment or conduct surveys on our web site. These companies perform their functions at our direction and we only share customer information with them that is necessary for them to perform these functions. As with all our business partners, these companies are required to safeguard your information and only use it for authorized purposes, and within the guidelines established by us for the protection of customer information. Consumer reporting agencies: It is standard banking industry practice and within federal and state law for us to routinely provide data about customer loan repayment and transactions to these agencies and other creditors. Courts and government bodies: Certain federal and state laws may require us to share information about you. For example, if you are involved in a legal matter with a third party, we may be ordered to provide information to a court or other party. In these circumstances, only the specific information required by law, subpoena, or court order will be shared. How we protect< |
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Equal Housing Lender
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