Disclosure Concerning

PRIVACY OF CONSUMER
FINANCIAL INFORMATION

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

• Information we receive from you on applications for loans or other forms;
• Information about your transactions with us, our affiiates, or others; and
• Information we receive from a consumer reporting agency (credit bureau).

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

We restrict access to this nonpublic personal information about you to only those employees who need to know that information in order to provide products or services to you. In addition, we maintain physical, electronic, and procedural safeguards in compliance with federal regulations to guard your nonpublic personal information.

Should you have any questions, please contact our Customer Service Department at (304) 457-3737.