Charter National Bank & Trust Privacy Statement
| November 2011 | |||
| FACTS | WHAT DOES CHARTER NATIONAL BANK AND TRUST 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 person 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: | ||
| 4 Social Security number and income | |||
| 4 Account Balances and payment history | |||
| 4 Account Transactions and credit card or other debt | |||
| How? | All financial companies need to share customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons Charter National Bank and Trust chooses to share; and whether you can limit this sharing. | ||
| Reasons we can share your personal information | Does Charter National Bank and Trust 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. | YES | NO | |
| For joint marketing with other financial companies | YES | NO | |
| For our affiliates' everyday business purposes, information about your transactions and experiences | YES | YES | |
| For our affiliates' everyday business purposes, information about your creditworthiness | YES | YES | |
| For our affiliates to market to you. | YES | YES | |
| For nonaffiliates to market to you. | NO | NO | |
| To limit our sharing | 4 Call 847-882-1000 and ask to speak with a personal banker or bank officer | ||
| 4 Send us a message at info@cn-bank.com or www.charternationalbank.com/contactus.asp | |||
| Please note: | |||
| If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. | |||
| However, you can contact us at any time to limit our sharing. | |||
| Questions? | Call 847-882-1000 or send us a message at info@cn-bank.com or www.charternationalbank.com/contactus.asp | ||
| Who we are | |||
| Who is providing this notice? | Charter National Bank and Trust, Charter Mortgage Co., and Charter Financial Services. | ||
| What we do | |||
| How does Charter National Bank and Trust 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 and secured files and buildings. | ||
| How does Charter National Bank and Trust collect my personal information? | We collect your personal information, for example, when you | ||
| 4 Open an account or deposit money | |||
| 4 Pay bills or apply for a loan | |||
| 4 Use a credit or debit card | |||
| 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 | ||
| 4 sharing for affiliates' everyday business purposes - information about your creditworthiness | |||
| 4 affiliates from using your information to market to you | |||
| 4 sharing for nonaffiliates to market to you | |||
| State laws and individual companies may give you additional rights to limit sharing. | |||
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. | ||
| Definitions | |||
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. | ||
| 4 our affiliates include Charter Mortgage Co. and Charter Financial Services | |||
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. | ||
| 4 nonaffiliates we share with can include insurance companies, service providers, data processors, co-branded partners and advertisers | |||
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. | ||
| 4 our joint marketing partners include companies such as banks and insurance companies. | |||
We reserve the right to change our privacy policy. A revised policy
statement will only apply to data collected subsequent to its effective
date. Any revisions will be posted at least 30 days prior to its effective
date.
