At Community Investment Services, Inc., your privacy is important to us. We only collect and use the information that we need in order to deliver the high level of customer service that you have come to expect from us. The following policy serves as a standard for all Community Investment Services, Inc. employees for collection, use, retention, and security of nonpublic personal information. What Information We Collect We may collect “nonpublic personal information” about you from the following sources: ¨ Information we receive from you on applications or other account forms, ¨ Information about your transactions with us, our affiliates or others, and ¨ Information we receive from third parties such as credit bureaus. “Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance and payment history. What Information We Disclose We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history) with companies related to us by common control or ownership (“affiliates”). We are also permitted under law to disclose nonpublic personal information about you to “nonaffiliated third parties” (i.e., third parties that are not members of our corporate family) in certain circumstances. For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law. We will continue to adhere to the privacy policies and practices described in this notice, even if you decide to close your account(s) or become an inactive customer. We do not disclose information about our former customers to non-affiliated third parties. We do not share medical or health information among our affiliates, nor to non-affiliated third parties, except to process transactions, or provide services that you have requested or initiated. Our Security Procedures We also take steps to safeguard customer information. We restrict access to your personal and account information 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.