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

•   Information we receive from you on applications, tax 

             preparation worksheets, other documents we use in preparing

             your tax return, or other forms;

•    Information about your transactions with us or others; and

•    Information we receive from a consumer reporting agency.

                 
      
 We do not disclose or sell any nonpublic personal information about you to anyone without your concent.

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 restrict access to your personal and account information 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.

Your confidence in us is important and we want you to know that your personal and account information is safe. If you have any questions or concerns, please contact us.