Our Privacy Policy

WHAT THIS IS:

This is a disclosure required by federal law, which is intended to tell you (among other things):

Where to get information about you (our sources);
What we do to protect the information we have about you; and
What our policy is about sharing information about you with others.

WHO YOU ARE:

This policy applies to you if you are a customer of ours.

A "customer" is a natural person (not a corporation) who - for personal, family, or household purposes - has or recently had a financial product with us, such as a mortgage loan.

DEFINITIONS:

Here are other terms we will use in this disclosure.

Information means non-public personal information, a technical term that generally means

information that can identify you;
that is not available publicly; and
that we collect in connection with providing a financial product or service to you.

We will use the word information to mean non-public personal information.

Affiliates are companies that are related to one another by ownership, common ownership, or control. For example, if one company owns or controls another company, they are affiliates of each other.

Non-affiliate means a company that is not an affiliate of another company, and also means a person who is not an employee of a company.

Opt out means a choice a person can make (in certain cases) to prevent a financial institution from sharing information about that person with others. (You do not have the right to opt out because we do not share information about you for marketing purposes)

JOINT ACCOUNTS:

If you have a joint account with us (for example, you are, or you have, a co-borrower on a loan), you should share this notice with the person who shares your account. He or she may not get a separate notice.

SOURCES OF INFORMATION

We collect information about you from the following sources:

Information you might provide us on applications and other forms;
Information about transactions we might conduct for you;
Information about your transactions with non-affiliated third parties; and
Information from consumer reporting agencies.

OUR PRIVACY POLICY

WE DO NOT SHARE INFORMATION ABOUT YOU WITH ANYONE EXCEPT AS REQUIRED OR PERMITTED BY LAW.

SHARING YOUR INFORMATION:

We are owned by a bank holding company. We do not share information with this affiliate.

We may share your information with other parties:

with mortgage investors that we have contracted with to provide mortgage loan services.
with non-financial companies that perform services on our behalf, such as consumer reporting agencies, title companies, and appraisers.

Information is only provided to these parties as necessary to process or service a transaction, product or service that you request or authorize; or as permitted or required by law.

FORMER CUSTOMERS:

We have the same policy against disclosing information about former customers as we do about current customers.

SECURITY:

We restrict access to the information we have about you to those employees who need to know that information to provide products or services to you.

We maintain physical, electronic, and procedural safeguards to guard your non-public personal information. (We are required to do so by federal regulations.)

CHANGE:

We can change this policy, but we will tell you in advance if we do, and we will explain any further rights you might have at that time.