(Protection
of the Privacy of Personal Non-Public Information)
Respecting and protecting customer privacy is vital to our
business. By explaining our Privacy Policy to you, we trust that you will
better understand how we keep our customer information
private and secure while using it to serve you better. Keeping customer
information
secure is a top priority, and we are disclosing our policies to help you
understand how we handle the personal information
about you that we collect and disclose. This notice explains how you can limit
our disclosing of personal information about
you. The provisions of this notice will apply to former customers as well as
current customers unless we state otherwise.
The Privacy Policy explains the Following:
1.·Protecting the confidentiality of our customer information.
2.·Who is covered by the Privacy Policy.
3.·How we gather information.
4.·The types of information we share, why,
and with whom.
5.·Opting Out - how to instruct us not to share certain information
about you or not to contact you.
Protecting the Confidentiality of Customer Information:
We take our responsibility to protect the privacy and
confidentiality of customer information very
seriously. We maintain physical, electronic, and procedural safeguards that
comply with federal standards to store and secure information
about you from unauthorized access, alteration, and destruction. Our control
policies, for example, authorize access to customer information
only by individuals who need access to do their work.
From time to time, we enter into agreements with other
companies to provide services to us or make products and services available to
you. Under these agreements, the companies may receive information
about you but they must safeguard this information,
and they may not use it for any other purposes.
Who Is Covered by the Privacy Policy:
We provide our Privacy Policy to customers when they
conduct business with our company. If we change our privacy policies to permit
us to share additional information we have
about you, as described below, or to permit disclosures to additional types of
parties, you will be notified in advance. This Privacy Policy applies to
consumers who are current customers or former customers.
How We Gather Information:
As part of providing you with financial products or
services, we may obtain information about you
from the following sources:
6.·Applications, forms, and other information
that you provide to us, whether in writing, in person,by telephone, electronically, or by
any other means. This information may include
your name, address, employment information,
income, and credit references;
7.·Your transaction with us, our affiliates, or others. This
information
may include your account balances, payment history, and account usage:
8.·Consumer reporting agencies. This information
may include account information and
information
about your credit worthiness;
9.·Public sources. This information may
include real estate records, employment records, telephone numbers, etc,
Information We Share:
We may disclose information
we have about you as permitted by law. We are required to or we may provide
information
about you to third-parties without your consent, as permitted by law, such as:
10.·To regulatory authorities and law enforcement officials.
11.·To protect against or prevent actual or potential fraud, unauthorized
transactions, claims, or other liability.
12.·To report account activity to credit bureaus and/or to consumer
reporting agencies.
13.·To respond to a subpoena or court order, judicial process or regulatory
authorities.
14.·In connection with a proposed or actual sale, merger, or transfer of all
or a portion of a business or an operating unit, etc.
In addition, we may provide information
about you to our service providers to help us process your applications or
service your accounts. Our service providers may include billing service
providers, mail and telephone service companies, lenders, investors, title and
escrow companies, appraisal companies, etc.
We may also provide information
about you to our service providers to help us perform marketing services. This
information
provided to these service providers may include the categories of
information
described above under “How We Gather Information” limited to only that which we
deem appropriate for these service providers to carry out their functions.
We do not provide non-public information
about you to any company whose products and services are being marketed unless
you authorize us to do so. These companies are not allowed to use this
information
for purposes beyond your specific authorization.
Opting Out
We also may share information
about you within our corporate family of office(s). We may share all of the
categories of information we gather about you,
including identification information (such us
your name and address), credit reports (such as your credit history),
application information (such as your income
or credit references), your account transactions and experiences with us (such
as your payment history), and information from
other third parties (such as your employment history).
By sharing this information
we can better understand your financial needs. We can then send you
notification of new products and special promotional offers that you may not
otherwise know about. For example, if you originally obtained a mortgage loan
with us, we would know that you are a homeowner and maybe interested in hearing
how a home equity loan may be a better option than an auto loan to finance the
purchase of a new car.
You may prohibit the sharing of application and
third-party credit-related information within
our company or any third-party company at anytime.
If you would like to limit
disclosures of personal information about you
as described in this notice, just check the appropriate box or boxes to
indicate your privacy choices, fill out the form below and print, then fax or
mail the form to us at the info given below.
Note for Joint
Accounts: Your Opt Out choices will also apply to other individuals who are
joint account holders. If these individuals have separate accounts, your Opt
Out will not apply to those separate accounts.
