We value your privacy and we are committed to making sure that Internet and telephone transactions are safe and secure. We use personal information only as our customers would expect us to use it.

Here is how we work to protect your privacy:

* We hold any information customers give us in the strictest of confidence.

* We safeguard customer information according to the strictest standards of security.

* We maintain security standards and procedures to help prevent unauthorized access to confidential information about our customers, and we update and test this technology to improve the integrity of our systems.

* We limit the information that we collect and use the minimum amount required to deliver world-class service to our customers.

* Only authorized employees are permitted access to this information.

 * We will not reveal customer information to any external organization unless we have previously informed our customers in disclosures or agreements that we will do so, or as required by law or regulations.

* When needed, for the purposes of credit reporting, verification and risk management, we exchange information about our customers only with reputable reference sources and clearinghouse services.