1. Information We Collect

We may collect the following types of information:

• Personal Identifiers – Name, address, email, phone number, Social Security Number (SSN), Tax Identification Number (TIN).

• Financial Information – Account balances, transactions, loan history, payment information.

• Digital Information – Login credentials, device details, IP address, cookies, and browsing activity.

• Verification Data – Identification documents, signatures, and other data to comply with federal regulations.

2. How We Use Your Information

We use your information to:

• Provide banking products and services.

• Process transactions and account activities.

• Verify your identity and comply with federal laws (e.g., USA PATRIOT Act).

• Protect against fraud, security threats, and unauthorized activity.

• Communicate with you regarding accounts, services, and offers.

• Improve our website, mobile apps, and customer experience.

3. How We Share Information

We may share information as permitted or required by law:

• With Regulators & Law Enforcement – To comply with legal obligations.

• With Service Providers – Trusted third parties who support banking operations under confidentiality agreements.

• With Credit Bureaus – For reporting credit-related information.

• With Affiliates – For account servicing or fraud prevention.

❌ We do not sell your personal information to unaffiliated third parties.

4. Your Privacy Choices

You may:

• Opt Out of Marketing – Control promotional emails, calls, or mail.

• Manage Cookie Preferences – Adjust browser or app settings to limit data tracking.

• Access & Correct Data – Request a copy of your personal information or make corrections.

• Withdraw Consent – Revoke certain digital communication preferences.

5. Data Protection & Security

We safeguard your data with:

• Advanced encryption for online and mobile banking.

• Multi-factor authentication for account access.

• 24/7 fraud monitoring and alerts.

• Strict employee training and access controls.