bank of vernon Friday, April 18, 2014   2:23:32 PM
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What Does Bank of Vernon 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 collet and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Account balances
  • Payment history
  • Credit history
  • Overdraft history
  • Account transactions
When you are no longer our customer, we continue to share your information 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 Bank of Vernon chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Bank of Vernon 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 Yes
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
Yes No
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 205.695.71741 or go to www.bankofvernon.com

WHAT WE DO

How does Bank of Vernon 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Bank of Vernon collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Deposit money
  • Pay your bills
  • Apply for a loan
  • Show your driver's license
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

  • 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 non-financial companies.

Our affiliates include:

  • Companies with a First Vernon Bancshares, Inc. name

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Bank of Vernon 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.

  • Bank of Vernon doesn't jointly market.

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