|
|
 |
|
 |
|
PRIVACY POLICY NOTICE
Rev 12/2010
|
FACTS
|
WHAT DOES the bank of ringgold 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:
n Social Security number and account balances
n payment history and credit history
n transaction history and overdraft history
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 the Bank of Ringgold chooses to share; and whether you can limit this sharing.
|
|
|
|
|
Reasons we can share your personal information
|
Does Bank of Ringgold 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
|
We don't share
|
|
For joint marketing with other financial companies
|
No
|
We don't share
|
|
For our affiliates’ everyday business purposes—
information about your transactions and experiences
|
No
|
We don't share
|
|
For our affiliates’ everyday business purposes—
information about your creditworthiness
|
No
|
We don't share
|
|
For nonaffiliates to market to you
|
No
|
We don't share
|
|
|
|
|
|
|
|
Questions?
|
Call (318) 894-9134
|
|
|
|
|
|
Page 2
|
|
|
|
|
|
|
|
|
|
|
|
What we do
|
|
How does the Bank of Ringgold 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 the Bank of Ringgold collect my personal information?
|
We collect your personal information, for example, when you
n open an account or deposit money
n pay your bills or apply for a loan
n use your 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
n sharing for affiliates’ everyday business purposes—information about your creditworthiness
n affiliates from using your information to market to you
n 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.
n The Bank of Ringgold has no affiliates.
|
|
Nonaffiliates
|
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
n The Bank of Ringgold 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.
n The Bank of Ringgold doesn’t jointly market.
|
|
|
|
|
Other important information
|
|
|
|
|
|
|
|
|
NOTICE: Notice of Changes in Temporary FDIC Insurance for Transaction Accounts.
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
|
|
|
 |
|
|
