At Premier American Bank, protecting your personal information is of the utmost importance to us. While information is fundamental to our ability to provide superior service, our most important asset is our customers' trust. We are totally committed to protecting the privacy of your personal information. We want you to understand what information we collect and how we use it so please take a few moments to read through this notice. Should you have any questions about this notice or about the personal information that we collect, please contact your account officer. Thank you again for your trust in us and we look forward to continuing to serve you.
SOME FREQUENTLY USED TERMS AND THEIR MEANINGS
The words "we", "our" and "us" mean Premier American Bank. The words "you" and "your" refer to the following types of customers:
- All of our consumer customers who have continuing relationships with us involving, deposits, loans, safe deposit boxes and any other consumer-oriented products and services
- All former consumer customers
Non-public personal information means information about you that we collect in connection with providing a financial product or service to you (also referred to as "customer information"). This includes, for example, your account balance, credit history, and overdraft history. Non-public information does not include information that is available from public sources, such as telephone directories or government records.
An affiliate is a company we own or control, a company that owns or controls us, and 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 means a company that is not an affiliate of ours.
INFORMATION WE MAY COLLECT
We collect and use only that information which we believe is necessary to advise you about our products and services and to provide you with financial products and services. We may, therefore, collect non-public personal information about you from several sources which include but are not limited to the following:
- Information provided by you on applications or other forms
- Information about your transactions with us
- Information about your transactions with non-affiliated third parties
- Information we obtain from consumer credit reporting agencies
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NON-PUBLIC PERSONAL INFORMATION
Security procedures to protect your information
We protect your privacy by restricting access to your personal and account information to only those trained employees who need to know that information in order to provide you services. We use technology to manage and maintain customer information more effectively and also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.
In order to provide better service or to address security hazards, we will occasionally use a "cookie." A cookie is a small piece of information which a Web site stores on your Web browser on your PC and can later be retrieved. The cookie cannot be read by a Web site other than the one that set the cookie. We use cookies for a number of administrative purposes; for example, when a browser stores your password to a particular site so that you do not have to input it every time you visit. Cookies are also used to store preferences you express for information that is then aggregated and presented to you.
Disclosure of non-public personal information
We do not disclose non-public personal information except as authorized by law. The following summarizes the circumstances where we may disclose your non-public personal information:
To deliver our products and services - we may disclose all of the information as described above as part of the routine course of doing business with you, such as servicing a loan or account with us and sharing with consumer credit reporting agencies or, with check printing companies when we market our own financial products or services. We are highly selective of our relationships with vendors who assist us in delivering products and services. We require our vendors to adhere to strict standards regarding the security and confidentiality of any customer information. Our vendors are prohibited from using your information for their own purposes or to sell your information.
As required by law and other - we may be required to disclose your non-public personal information if required by law, such as information provided to government entities in response to subpoenas. In addition, we may also disclose non-public personal information to protect against potential fraud or unauthorized transactions.
It is our belief that keeping your trust is very important, so if you should have any inactive or closed accounts with us, we will continue to adhere to the policy and practices described in this notice.
Accuracy and Right to Correct
Your Account Information - 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 immediately and we will investigate your concerns and correct any inaccuracies.
Information Reported to Consumer Reporting Agencies - Under the Fair Credit Reporting Act you have the right to notify us if you believe we have reported inaccurate information about your account to any Consumer Reporting Agency. Such notices should be sent in writing to the above address and include your complete name, current address, social security number, telephone number, account number, type of account, specific item of dispute and the reason why you believe the information reported is in error.
Thank you for choosing Premier American Bank. We value you as a customer and appreciate the opportunity to serve you.
