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You
have chosen to do business with us, and we recognize our obligation
to keep the information you provide to us secure and confidential.
Keeping your financial information secure is one of our most important
responsibilities. We value your trust and are committed to handling
your information with care. This document will explain the type
of information we collect, how we care for it, and how we use it.
Our commitment to protect your financial information will continue
under the principles and guidelines described below.
In order to provide our customers with a broad range of financial
products and services as effectively and conveniently as possible,
we use technology to manage and maintain customer information. Our
employees access your information when needed to maintain your accounts
or otherwise meet your needs. We may also access information about
you when considering a request from you for additional services
or when performing duties required under the law or under any agreement
with you.
We take steps to safeguard customer information. We safeguard information
according to established security standards and procedures, and
we continually assess new technology for protecting information.
We restrict access to your personal and account information to our
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. Our employees are trained to understand and
comply with these information principles.
In the course of doing business, we collect and use various types
of information. We use this information to service your accounts
and to help you learn more about the financial services and products
for which you may have an interest or a need.
"Public personal information" is information available
from any public source, such as a telephone directory. "Nonpublic
personal information" is information about you that we obtain
in connection with providing a financial product or service to you.
For example, nonpublic personal information includes information
regarding your account balance, payment history and types of accounts
you maintain. We may collect "nonpublic personal information"
about you from the following sources:
- Information we receive from you on applications or other loan
and account forms;
- Information about your transactions with us, our affiliates
or others; and
- Information we receive from third parties such as credit bureaus.
We do not disclose any nonpublic personal information
about our customers or former customers to anyone, except as permitted
by law.
We are permitted under law to disclose nonpublic personal information
about you to "nonaffiliated third parties" (i.e., third
parties that are not members of our corporate family) in certain
circumstances. For example, we may disclose nonpublic personal information
about you to such third parties to assist us in servicing your loan
or account with us; to government entities in response to subpoenas;
and to credit bureaus. To assist us in offering you services, we
may occasionally share information with companies that work for
us, such as check-printing and data processing companies. These
companies act on our behalf and are obligated to keep the information
that we provide to them confidential.
If you decide to close your account(s) or become an inactive customer,
we shall continue to adhere to the policies and practices described
in this notice.
Keeping your account information accurate and up to date is very
important. If you ever find that your account information is incomplete,
inaccurate or not current, please call or write to us. We will promptly
correct any erroneous information.
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EHL