WHAT
DOES 1ST REGENTS BANK DO WITH YOUR PERSONAL
INFORMATION?
Why?
Financial
companies choose how they share your personal information.
Federal
law gives consumers the right to limit some but not all
sharing.
Federal
law also requires us to tell you how we collect, share,
and protect your personal information. Please read this
notice carefully to understand what we do.
What?
The types
of personal information we collect and share depend on
the product or service you have with us. This information
can include:
Social
Security Number
Account
Balances
Credit
History
Income
Payment
History
Credit
scores
When you
are no longer our customer, we continue to share
your information as described in this notice.
How?
All financial
companies need to share customers’ personal information
to run their everyday business. In the section below,
we list the reasons financial companies can share their
customers’ personal information; the reasons 1st Regents
Bank chooses to share; and whether you can limit this
sharing.
Reasons
we can share your personal information
Does 1st Regents Bank share?
Can you limit this sharing?
For
our everyday business purposes-
such as
to process your transactions, maintain your account(s),
respond to court orders and legal investigations, or
report to credit bureaus
Yes
No
For
our marketing purposes-
to offer
our products and services to you
No
No
For
joint marketing with other financial companies
No
No
For
our affiliates’ everyday business purposes-
information
about your transactions and experiences
No
We do not share
For
our affiliates’ everyday business purposes-
information
about your creditworthiness
No
We do not share
For
nonaffiliates to market to you
No
We do not share
What we do
How does
1st Regents Bank protect my personal information?
To protect
your personal information from unauthorized access and
use, we use security measures that comply with federal
law. These measures include computer safeguards, secured
files and buildings.
How does
1st Regents Bank collect my personal information?
We collect
your personal information for example, when you
·Open
an account
·Make
deposits or withdrawals from your account
·Apply
for a loan
·Provide
employment information
·Show
your driver’s license
We also
collect your personal information from others such as
credit bureaus, affiliates or other companies.
Why can’t
I limit all sharing?
Federal
law gives you the right to limit only
·sharing
for affiliates’ everyday business purposes – information
about your creditworthiness
·affiliates
from using your information to market to you
·sharing
for nonaffiliates to market to you
State
laws and individual companies may give you additional
rights to limit sharing.
Definitions
Affiliates
Companies
related by common ownership or control. They can be financial
and nonfinancial companies.
1st Regents
Bank has no affiliates.
Nonaffiliates
Companies
not related by common ownership or control. They can
be financial and nonfinancial companies.
1st Regents
Bank does not share with nonaffiliates so they can
market to you.
Joint marketing
A formal
agreement between nonaffiliated financial companies that
together market financial products or services to you.
