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Because of the unique nature of the Internet, we believe it will be helpful to have an overview of how we protect your privacy when we collect, use and protect your personal information when you visit us online.

The types of information we collect and how it is used when you visit our web site we may collect navigational information such as pages visited and average time spent on a particular page. This is done to help us analyze our site design and enhance your user experience. We may also collect technical information concerning your computer browser type, or IP address. This information may be used to alert you of any possible software compatibility issues.

We also collect personal information provided by you or your representative on applications, forms, and e-mails. We use this information for many purposes including: responding to customer questions, processing product applications, and to fulfill regulatory requirements. We maintain strict policies to protect against the unauthorized disclosure or use of customer information and maintain extensive safeguards to prevent unauthorized access.

Here is more detailed information about your online relationship with us that you may also find useful.

Cookies
What are Cookies? - A cookie is a piece of information that our web server stores on your computer's hard drive and retrieves later. A cookie does not allow our web site to access your computer's files or any information you may have stored on your computer.

How do we use Cookies? - To simplify your online experience, we use cookies to facilitate your ability to navigate through the site and to reduce the amount of information you have to re-enter. For example, we store information in a session cookie (one that expires after you leave the site) to allow you to use financial calculators without the need to constantly re-enter data as you consider your financial options. In other instances, we may use cookies to track visitor activity to allow us to determine new ways to enhance your online experience. For more information about cookies you may want to visit http://www.webopedia.com/TERM/c/cookie.html.

We do not use
cookies to collect or track personal information, or record information that will enable anyone to contact you via telephone, e-mail, or regular mail.

Do you have to accept Cookies? - No. Most browsers provide you with the ability to make a selection that will cause your browser to restrict or completely reject cookies. However, we recommend against making such a selection, since disabling cookies on our web site may impact your ability to use some of the basic features of our site.

Security
One of the most important priorities in providing you with online financial services is the security of your
personal financial information. When you send personal information to us over the Internet, our security standards guard it in several ways. We use secure transmissions to encrypt information which helps protect it from interception by a third party. The use of firewalls, pass codes and other safety features we've installed also help ensure that the information you provide us remains safe and secure. More information on how we protect your information online, and measures you can take to protect yourself, can be found in the Securitysection of the site.

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