We want you to know that, as a customer of ours, we believe that protecting your privacy is extremely important and we want to be sure that we maintain your confidence and trust. We collect nonpublic information from you during the information gathering process required to create effective business solutions for you. We may share this information about you with our affiliates in order to deliver the services that we provide. Outside organizations that provide services (such as printing or mailing) or help us provide you with products or services you request (such as providers of interest rate derivatives) may receive the information described above to help us provide you with these products and services. We may also provide the customer information we collect as described above to companies that perform marketing services for us. We do not otherwise disclose any nonpublic personal information about our customers or former customers to anyone, except as required by law. For example, we may share information on your account or transactions if we are required to disclose it by law, regulation, or court order. We restrict access to nonpublic information about you to those employees who need to know that information in order to provide products or services to you as you have instructed us. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. If you become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.