We collect nonpublic information about you from the following sources:

      -  Information we receive from you on applications, worksheets, and other forms,
      -  Information about your transactions with us, our affiliates or others, and
      -  Information we receive from a consumer reporting agency.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as required by law. We restrict access to nonpublic personal information about you to those members of our firm who need to know that information in order to provide services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulation to guard your nonpublic personal information.