♦ Why We Collect, Retain and Use Customer Information
We collect, retain, and use information about you only where we believe you will help administer our business to provide products, services, and other opportunities to you.  If we collect information about you, we will do so only for specific business purpose; and if you request, we will tell you why we are collecting the information.  Some of the reasons we use your information are the following: to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design and improve our products and services; and better understand your financial needs.