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Privacy Policy

Rev. 10/2011




Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Social Security number and employment information
account balances and transaction history
credit history and investment experience


All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons the Lender chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information

Does the Lender share?

Can you limit this sharing?

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus



For our marketing purposes — with service providers we use to offer our products and services to you (please see below to limit the ways in which we contact you)



For joint marketing with other financial companies


We don’t share

For our affiliates’ everyday business purposes — information about your transactions and experiences



For our affiliates’ everyday business purposes — information about your creditworthiness



For our affiliates to market to you



For nonaffiliates to market to you


We don’t share


To limit our sharing

■ Call 1-888-528-8460—our menu will prompt you through your choices
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

To limit direct marketing

■ To limit our direct marketing to you by mail or telephone, call 1-866-599-9159--our menu will prompt you through your choices
Please note:
A Do Not Call election is effective for five years (or while you are an active consumer customer, if longer). The Do Not Mail election is effective for three years. You may continue to receive marketing information in regular account mailings and statements, when you visit us online or at an ATM. You may also be contacted to service your account or participate in surveys. If you have an assigned client manager or team, they may continue to contact you to assist you in managing your portfolio or account relationship.


Call 1-888-528-8460


What we do


How does the Lender protect my personal

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
For more information call 1-888-528-8460.

How does the Lender collect my personal

We collect your personal information, for example, when you:
open an account or make deposits or withdrawals from your accounts
apply for a loan or use your credit or debit card
seek advice about your investments
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:
sharing for affiliates’ everyday business purposes — information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply individually unless you tell us otherwise. Any account holder may express a privacy preference on behalf of the other joint account holders.





Companies related by common ownership or control. They can be financial and
non-financial companies.


Companies not related by common ownership or control. They can be financial and
non-financial companies.
The Lender does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
The Lender does not jointly market.


Other important information

Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.

Do Not Call Policy. This Privacy Policy constitutes the Lender’s Do Not Call Policy under the Telephone Consumer Protection Act for all consumers. The Lender maintains an internal Do Not Call preference list. Do Not Call requests will be honored within 30 days and will be effective for at least five years from the date of request. No telemarketing calls will be made to residential or cellular phone numbers that appear on the Lender’s Do Not Call list.

 Nevada residents: We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing section. For more information contact us at 1-800-869-3557;, or Mortgage Operations, P.O. Box 5277, Sioux Falls, SD 57117-5277. Or contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; 702-486-3132;

Vermont: We automatically treat customers with a Vermont mailing address as having limited sharing with our affiliates as provided on page one.

Trust accounts for which the Lender is the trustee are protected under special rules of confidentiality. Trust account information is not shared for marketing purposes without specific consent.