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

• information we receive from you on applications or other forms such as your name, social security number, assets and income;
  
• information about your transactions with us, our affiliates, or others such as your account balance and payment history; and
  
• information we receive from a consumer reporting agency such as your credit history and credit worthiness.
  

We may disclose all of the information that we collect, as described above.

We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. We do not disclose nonpublic personal information about former customers except as permitted by law.

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 federal standards to guard your nonpublic personal information.