PRIVACY • TRUST • CONFIDENTIALITY
Watchwords of our Banking Philosophy
Customer Privacy Statement
Introduction: We respect your financial privacy and comply with laws and regulations designed to secure that privacy. Your relationship with us is important, and we want you to understand our policies and practices about handling information. We will keep confidential any information about you, but may share information about you with our subsidiaries, affiliated companies and business partners as described below in order to provide better service. “Information” means nonpublic, personal financial information.
Information about You: We may routinely collect or retain information that includes your: (1) name, address, telephone number, social security number, annual income, current and past employers; (2) answers to questions on deposit and loan applications; and (3) deposit and loan balances, overdraft history and payment history with us. We collect information from consumer reporting agencies regarding credit and checking account histories. In order to better serve you, we also may retain information about the types of products and services you purchase from us to learn about your financial needs and interest. We may share this information with others to the extent permitted by law and in accordance with our information sharing policies and practices listed below.
Safeguarding Information About You: Information that we have about you is available to our employees and agents on a “need to know” basis so they can do their jobs. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy. We do not provide information about you to anyone without first verifying who they are and whether they may have legal access to the information. We train our employees to protect information we have about you. We also have a disaster preparedness program to secure this information in case of natural disasters, hazards or threats. Our security and confidentiality procedures are routinely tested to make sure they work.
Account Numbers/Access Codes: We will not disclose your account number or access code for an ATM check card, deposit account or transaction account to a nonaffiliated third party in order for them to sell you products or services. We may give your account number or access code to consumer reporting agencies because we are allowed or are required to do so by law.
Information Sharing – Affiliates: We currently do not share information with affiliates and subsidiaries in order to offer you additional products and services. Subsidiaries are companies we own or control. Affiliates are other companies that are commonly owned or controlled by our holding company. Information about you may be obtained from companies or persons outside our affiliates.
Information Sharing – Agent Nonaffiliated Companies: We may share information about you with certain nonaffiliated companies that are our agents. We do this to provide convenient access to products or services or because these companies help us perform necessary business functions or services. This sharing is permitted by law. By contract such agents are required to keep confidential any information about you that we give them.
Information Sharing – Non-agent, Nonaffiliated Companies/Persons: We currently do not nor do we plan to share information about you with non-agent, nonaffiliated companies and persons. These would be companies and persons that are not owned or controlled by our holding company or us.
Your Opt-Out Rights: You may opt out of: (l) our sharing of “other information” about you with our affiliates under the federal Fair Credit Reporting Act; and (2) our sharing of information about you with non-agent, non-affiliated companies and persons. Since the bank does not currently share information no opt-out action is necessary or provided. Should our policy change you will be notified and given a opportunity to opt out.
Ending Customer Relationships: When you end your customer relationship with us, or when we end our customer relationship with you, we will treat the information we have about you as if you were still our customer.
Questions or Concerns: If at any time you have any questions or concerns about our handling of personally identifiable information about your banking relationships with us, or for more information please contact your Branch Manager.
