Rev.  05/2017

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:

–  Social Security number and income

–   Account Balances and transaction history

–   Credit History and payment 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 CenTrust Bank N.A. chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information    Does CenTrust Bank N.A.  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

 

Yes

 

No

For joint marketing with other financial companies No
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

 

Who we are
Who is providing this notice? CenTrust Bank N.A.
What we do
How does CenTrust Bank N.A.

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.

We regularly test our computer safeguards. We educate our employees about the importance of confidentiality and customer privacy.

How does CenTrust Bank N.A.

collect my personal information?

We collect your personal information, for example, when you

–  Open an account or make deposits or withdrawals

–  Apply for a loan or use your debit card

–  Pay your bills online

We also collect your 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

–  Sharing for affiliates’ everyday business purposes—information about your creditworthiness

–  Affiliates from using your information to market to you

–  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.

–  CenTrust Bank N.A does not have affiliates.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

–  CenTrust Bank N.A does not share with non-affiliates so that they can market to you.

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

–  CenTrust Bank N.A does not jointly market.