We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency

"Nonpublic Personal Information" is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history, or overdraft history.

We do not disclose nonpublic personal information about you to nonaffiliated third parties except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

We may disclose the following information to companies that perform processing, servicing or marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement:

• Information we receive from you on an application or other forms, such as your name, address, social security number, assets, and income;
• Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage;
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

We restrict access to nonpublic personal information 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 that comply with federal standards to guard your nonpublic personal information.