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

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

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

We may disclose all of the information we collect, as described above to companies that perform services on our behalf.

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 state and federal law to guard your nonpublic personal information.

Sincerely,
Denis, Ricker & Brown, Inc.