IMPORTANT INFORMATION ABOUT YOUR PRIVACY

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OUR PRIVACY PLEDGE TO YOU

At Crown Bank, we are committed to maintaining the confidentiality, security and integrity of personal information you share with us. We are proud of our privacy practices and would like to take this opportunity to let you know how we safeguard and use your personal information. You have our promise that we will adhere to these guidelines. It is our pledge to you.

In connection with providing a financial product to serve you, Crown Bank obtains information about you which is considered “nonpublic personal information”.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our and us, when used in this notice, means Crown Bank. This is our privacy notice for our customers. When we use the words “you” and “your”, we mean the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a:

Deposit Account
Loan Account
Safe Deposit Box
Retail installment contract we hold and service

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We will first define some terms.

Nonpublic Personal Information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us or, a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party”.

THE INFORMATION WE COLLECT

We may collect nonpublic information about you from the following sources:

Information we receive from you on applications or other forms, such as your name, address, social security number, date of birth, e-mail address and credit information such as assets and income.
Information we receive from consumer reporting agencies, such as your creditworthiness and your payment history.
Information about your transactions with us or others, such as account balances, account activity and payment history.
Information received through other interactions with us, such as conversations with our staff.
Information about your transactions with us, our affiliates or others.
Information we received from a consumer reporting agency.
Information we receive from you on applications or other forms.

We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide efficient customer service and identify opportunities that may be of interest to our customers.

INFORMATION WE DISCLOSE ABOUT YOU

We do not disclose nonpublic information about our customers except as permitted or required by law.

We are permitted under law to disclose nonpublic personal information about you to third parties in certain circumstances. For example, we may share information as follows:

To give account information to check and statement printers and other service providers who work with us;
To provide information to protect against fraud;
To report account activity to consumer reporting agencies;
To perform a transaction;
With your consent;
With regulatory authorities and law enforcement officials.

We may also disclose all of the information we collect as described above to companies that perform joint marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. When providing nonpublic personal information to such companies, we require through written contract that they adhere to similar privacy principles that provide for keeping information confidential and that they limit the use of the information exclusively to the purpose for which the information was disclosed or as otherwise permitted by law.

We do not sell customer lists or individual customer information. If we decide to change our policy on sharing or disclosing information, we will inform you first and give you the opportunity to “opt-out” if appropriate.

If you decide to close your account or become an inactive customer, we will continue to adhere to the privacy policies and practices as described in this notice, except as permitted or required by law.

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

THE CONFIDENTIALITY, SECURITY AND INTEGRITY

OF YOUR INFORMATION

We also take steps to safeguard customer information. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We restrict access to nonpublic information to those employees who need to know that information to provide products and services to you. All employees are educated on the importance of maintaining confidentiality of customer information and these privacy guidelines.

Our privacy policy may change over time; if we do make changes, we will inform you as required by law.