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PRIVACY
You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.
We work diligently to safeguard the information you give to us and we adhere to Gramm-Leach Bliley Act guidelines. In fact, we have developed policies to ensure your confidentiality and maintain your confidence in our institution. For this reason, we ask that you please read the following information carefully.
| FACTS | WHAT DOES Caldwell Bank & Trust Co. 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 collect and share depend on the product or service you have with us. This information can include: Social Security number Income Account balances Payment history Credit scores Overdraft 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 Caldwell Bank & Trust Co. chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Caldwell Bank & Trust 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 | We don't share |
| 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 our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
| Questions? | Call 318-649-2351 |
| What we do | |
| How does Caldwell Bank & Trust Co. 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 Caldwell Bank & Trust Co. collect my personal information? | We collect your personal information, for example, when you • Open an account • Apply for a loan • Make deposits to or withdrawals from your account • Provide employment information • Provide account information 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 nonfinancial companies. • Caldwell Bank & Trust does not share with our affiliates. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and non-financial companies. • Caldwell Bank & Trust Co. does not share your information 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. • Caldwell Bank & Trust Co. doesn't jointly market |
MOBILE PRIVACY POLICY
| FACTS | WHAT DOES Caldwell Bank & Trust DO WITH YOUR PERSONAL INFORMATION FROM THE MOBILE APPLICATION? |
| Why? | The mobile application requests access to information stored on your device such as location, camera, contacts, images, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect youraccount. It is important for you to understand that: • Before granting access to this information, you will be prompted to give the application that permission. • If you do not wish to grant that permission, you may decline. • If you later change your mind, those permissions can be updated in your device's settings. |
| What? | Some examples of information your app will request access to are: • Location - Your location is used to prevent fraudulent activity and to display locations near you. • Contacts - Allowing access lets you add contacts to use with features that allow you to send money via your mobile app. We will only add the contacts you choose, and that information will not be shared. • Camera/Images - This app uses your camera to capture check images, take picture of receipts, scan ID, scan authorized QR codes and to conduct video chat. |
| How? | 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. The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted. |
| Questions? | Please contact Caldwell Bank and Trust at 866-687-8016 regarding questions about the information included in this Mobile Privacy Disclosure or questions about this application. You can also access the bank’s full Privacy Policy here. |