Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.
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Rev. July 2013
Types of Information the Bank Collects
The Bank collects nonpublic, personal information about you from many sources, including the following:
· Information we receive from you on applications or other forms
· Information about your transactions with us, our affiliates, or others
· Information we receive from a consumer reporting agency
Nonpublic, personal information does not include that which is available from government records, widely distributed media, or government-mandated disclosures.
Types of Information the Bank Discloses
The bank does not now, nor does it intend in the future, to disclose any personal financial information to any nonaffiliated or affiliated third party. By law the bank may disclose certain personally identifiable information without allowing consumers the right to opt out of the bank's sharing agreements in the following circumstances:
· To companies who perform transaction processing for the bank in the following circumstances. If the transaction, service, or product is requested or authorized by the consumer. To Maintain or service a consumer’s account as part of a private label credit card or other loan extension program. In connection with a securitization, secondary market sale (including servicing rights), or similar transaction related to a consumer.
· To disclose information necessary to enforce the bank’s legal or contractual rights or the rights of any other person who is engaged in the financial transaction.
· To disclose information required in the ordinary course of banking business, such as the settlement of claims or benefits, the confirmation of information to the consumer or the consumer’s agent, and the billing, processing, or clearing of items in the normal course of business.
· To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating the bank, persons who are assessing the bank’s compliance with industry standards, and the bank’s attorneys, accountants, and auditors.
· To the extent permissible under the Right to Financial Privacy Act.
· To a consumer reporting agency under the Fair Credit Reporting Act.
· To comply with federal, state, or local laws, rules, and other applicable legal requirements.
Safeguarding Customer Information
The Bank will protect consumer privacy by ensuring that only employees who have a business reason for knowing information have access to it. For example, information in loan files can only be accessed by employees who work in the loan origination or loan operations departments.
The bank is required to notify customers annually of its privacy practices and provide a privacy notice annually during the continuation of the customer relationship, unless:
1. No opt-out rights are triggered by the bank’s information-sharing practices under the Gramm-Leach-Bliley Act (GLBA) or the Fair Credit Reporting Act (FCRA), and opt-out notices have previously been provided,
2. The information in the privacy notice has not changed since the customer received the prior notice, and
3. The bank uses the model form provided in Regulation P.
Requirements of the alternate notice.
If a financial institution wishes to use the alternate delivery method for its privacy notices, it must post its privacy notice on its website on a page that has no other content and access to the page must not require any condition, such as a user ID or password.
Next, it must disclose annually on an account statement, coupon book or on any other notice or disclosure it is required to provide to the customer under any other law or regulation that:
If we change our policy or practice by, for example, adding a category of information that we will disclose to a third party, we will notify existing customers and give them appropriate time to opt out of the disclosure.
Mobile Banking Disclosure
Terms and Conditions
FDIC Insured Deposits
International Banking: (713) 995-3234
Internet Banking Information: (713) 272-5049
Current Interest Rates: (713) 771-9700