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Privacy Policy TO ALL WORTHINGTON FEDERAL BANK CUSTOMERS AND ACCOUNT HOLDERS: In November 1999, Congress passed the Gramm-Leach-Bliley Act (GLBA), also referred to as the “Financial Modernization Act of 1999”. Title V of GLBA imposes certain obligations on all financial institutions related to the treatment of customers’ confidential information. Among these new obligations, one of the most important is a federally mandated disclosure of a financial institution’s “privacy policy”. All financial institutions are required to provide “customers” at the start of the relationship and annually thereafter, a notice of the institution’s policies and practices regarding the use, disclosure and maintenance of customer financial and account information. PRIVACY POLICY STATEMENT FOR POLICY: Safeguarding your nonpublic personal financial information is as much a part of our business as taking deposits and making loans. It always has been and always will be.Worthington Federal Bank has a long tradition of respecting the confidentiality of the information necessary to meet your needs for a broad array of financial services. Maintaining this trust with you, our customer is particularly critical for your community bank, because our roots are in the communities we serve. THE PURPOSE: Banking legislation that modernized our industry also addressed concerns about privacy and the growing amount of personal data flowing along the information highway. We share these concerns, and are committed to helping protect both your financial privacy and your ability to access quality products and services. Our ability to offer new financial products and modern technology will allow us to serve you in more efficient ways. However, when it comes to protecting your nonpublic personal information and financial information, we pledge to continue the tradition of trust you have come to expect from Worthington Federal Bank. PRIVACY PRINCIPLES WORTHINGTON FEDERAL BANK CUSTOMERS ARE ENTITLED TO BE:
PRIVACY POLICY SPECIFICS INTRODUCTION: We respect your financial privacy and comply with laws and regulations designed to secure that privacy. Your relationship with us is important and we want you to understand our policies and practices about handling information. We will keep confidential any information about you, but may share information about you with our subsidiaries, affiliated companies and business partners, to the extent permitted by law as described below in order to provide better service. “Information” means nonpublic, personally identifiable financial information. INFORMATION ABOUT YOU: We may routinely collect or retain nonpublic personal information that includes your: (1) name, address, telephone number, social security number, annual income, current and past employers; (2) answers to questions on deposit and loan applications: and (3) deposit and loan balances, overdraft history and payment history with us. We collect information from consumer reporting agencies regarding credit and checking account histories. In order to better serve you, we also may retain information about the types of products and services you purchase from us to learn about your financial needs and interests. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law and in accordance with our information sharing policies and practices listed below. SAFEGUARDING INFORMATION ABOUT YOU: We restrict access to nonpublic personal information that we have about you to those employees and agents on a “Need to Know” basis so they can provide products or services to you. We prohibit our employees and agents from giving nonpublic personal information about you to anyone in a manner that would violate any applicable law or our Privacy Policy. We do not provide nonpublic personal information about you to anyone without first verifying who they are and whether they may have legal access to the information. We train our employees to protect information we have about you. We maintain physical electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We also have a disaster preparedness program to secure this information in case of natural disasters, hazards or threats. Our security and confidentiality procedures are routinely tested to make sure they work. Children's Privacy: We are committed to protecting the privacy of our children. Our Website is not intended to attract children under the age of 13, and we require parental consent for children under 13 to provide us with personally identifiable information through our Website. ACCOUNT NUMBERS/ACCESS CODES: We will not disclose your account number or access codes for a credit card account, deposit account or transaction account to a nonaffiliated third party in order for them to sell you products or services. INFORMATION SHARING – AFFILIATES: We may share information with affiliates and subsidiaries in order to offer you banking products and services. Subsidiaries are companies we own or control. Affiliates are other companies that are commonly owned or controlled by our parent holding company. Information about you may be obtained from companies or persons outside our affiliates. We may share this “other information” among our affiliates. INFORMATION SHARING – AGENT NONAFFILIATED COMPANIES: We may share information about you with certain nonaffiliated companies that are our agents. We do this to provide convenient access to products and services, or because these companies help us perform necessary business functions or services. This sharing is permitted by law. Such agents are required to keep confidential any information about you that we give them. ENDING CUSTOMER RELATIONSHIP: When you end your customer relationship with us, or when we end our customer relationship with you, we will treat the nonpublic personal information we have about you as if you were still our customer. Revised January, 2010 |
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