Privacy Statement

OUR PRIVACY PLEDGE TO YOU

As a customer of Security Bank, N.A., you provide us with important information about yourself.  We believe it is our responsibility to safeguard your personal and financial information.  While some financial institutions share account owner information with other businesses,  we are committed to keeping it confidential.

We have developed the following privacy policy to ensure you the confidentiality you deserve. You have our promise that we will adhere to these guidelines.  It is our pledge to you.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Security Bank, N.A.

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 the following:
  • Deposit account
  • Loan account
  • Safe deposit box account
  • Mortgage brokerage services

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 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 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 collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms.
  • Information about your transactions with us.
  • Information about your transactions with our affiliates.
  • Information about your transactions with other parties.
  • Information from a consumer reporting agency.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OUR AFFILIATES

We may disclose information about you to our affiliates. Here are some kinds of information and the source of that infomation:

Transaction and experience information from our account records:

  • Information about your transactions and experience with us, such as
  • Name
  • Address
  • Account balances
  • Account activity
  • Types of accounts
  • Payment history
  • Deposit history
  • Parties to the transaction

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates

We may disclose information about you to the following types of affiliates:

  • Financial service providers, such as
  • Mortgage Company
  • Reasons for Disclosure
  • We may disclose information about you to our affiliates to provide you with information about additional products and services.
  • Future Affiliate Disclosure
  • We also reserve the right to disclose information about you in the future with the following additional types of affiliates:
  • Financial service providers, such as
  • Insurance agents

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as  disclosed in this policy or as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

Staff's "Customer Privacy Protection" Pledge

1. Recognition of a Customer’s Expectation of Privacy

  • At Security Bank, N.A., we recognize that our customers have a right to expect that their  personal financial information will remain private and secure. We will maintain standards  to ensure that our customer’s financial information is private and secure  at all times.

2. Collection, Retention, and Use of Customer Information

  • Security  Bank, N.A., will collect, retain and use information about individual customers only where  it believes it would be useful (and allowed by law) to administer business and to provide  products, services and other opportunities to its customers.

3. Maintenance  and Accurate Information

  • Security Bank, N.A., will continually strive to maintain complete and accurate information about  our customers and their accounts. Should we ever believe that our records contain  inaccurate information about our customer, we will investigate our concerns and correct  any inaccuracies.

4. Limiting Employee Access to Information

  • Security Bank, N.A., will limit employee access to personally identifiable information to those employees with a business reason for knowing such information. The Bank will ensure employees understand the importance of confidentiality and customer privacy. Security Bank, N.A., will take appropriate disciplinary measures where necessary to enforce employee privacy responsibilities.

5. Protection of Information Via Established Security Procedures

  • Security Bank, N.A., will maintain appropriate security standards and procedures regarding unauthorized access to customer information.

6. Restrictions on the Disclosure of Account Information

  • Security  Bank, N.A., will not reveal specific information about customer accounts or other personally identifiable data to nonaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide  corporate due diligence, unless:
  1. The information is provided to help complete a customer initiated transaction;
  2. The customer requests it;
  3. The disclosure is required by/or allowed by law (e.g., subpoena, investigation of fraudulent  activity, etc.); or
  4. The customer is informed about the possibility of such disclosure for marketing or similar purposes through a prior communication and is given the opportunity to opt_out.

7. Maintaining Customer Privacy in Business Relationships

  • If personally identifiable customer information is provided to a third party, Security Bank, N.A., will insist that the third party adhere to similar privacy principles that keep such information confidential (i.e., service providers such as Fiserv, Inc., and other service providers such as loan brokers.)

 
     
 

© 2007 Security Bank, N.A.
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