NOTICE OF PRIVACY PRACTICES

The Gramm-Leach-Bliley (GLB) Act deals in part with how financial institutions treat nonpublic
personal financial information. In compliance with that act we provide you with the following
explanation of our privacy practices. As part of our business, we collect certain “nonpublic
personal information” about you, from the following sources:

• Information we receive from you on applications or 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 permitted by law.

We restrict access to nonpublic personal information about you to those individuals who need to
know that information in order to provide our services to you. We maintain physical, electronic,
and procedural safeguards that comply with federal regulations to guard your nonpublic personal
information.