The following privacy principles were established to maintain the security, integrity and confidentiality of your personal financial information.  We routinely collect and retain the information we obtain from your account applications, transaction history, and from consumer reports.  This information helps us – To establish and administer your accounts.  – To satisfy certain regulatory requirements. – To better understand you so that we may provide you with additional or improved products and services.  We do not share nonpublic personal information of our current or previous members and nonmember customers with affiliates or nonaffiliated third parties except as permitted or required by law.  Access to your personally identifiable financial information is limited to employees with a specific business reason for utilizing this data.  Our employees are educated about the importance of maintaining confidentiality and member privacy.  If necessary, we take appropriate disciplinary steps to enforce our employees’ responsibility to protect your very personal information.  In order to prevent unauthorized access to your information, we maintain security standards and procedures that conform with industry practices.  These security standards and procedures are routinely tested to verify the integrity of our systems.