Privacy Policy: We are committed to safeguarding the use of your nonpublic personal information.  We protect the security and confidentiality of the nonpublic personal information we have collected, and make efforts to ensure that such information is used for proper business purposes in connection with the management or servicing of your account.  Our relationship with you is our most important asset.  We understand that you have entrusted us with your nonpublic personal information, and we do everything we can to maintain that trust. We do not sell your nonpublic personal information to anyone.  Nor do we provide such information to others except for discrete and proper business purposes, in connection with the servicing and management of your accoun.