| Privacy Statement |
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FACTS
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WHAT DOES AMERICAN CITY BANK DO WITH YOUR
PERSONAL INFORMATION?
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Why?
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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.
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What?
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The types of personal information we collect and share
depend on the product or service you have
with us. This information can include:
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Social Security number and transaction
history
§
Account balances and payment history
§
Credit history and account transactions
When you are no longer our
customer, we continue to share your
information as described in this notice.
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How?
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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 customer’s
personal information; the reasons American
City Bank chooses to share; and whether
you can limit this sharing.
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Reasons we can share your personal
information
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Does American City
Bank share?
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Can you limit this sharing?
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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
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Yes
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No
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For our marketing
purposes—
to offer our products
and services to you
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Yes
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No
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For joint
marketing with other financial
companies
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No
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We don’t share
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For our affiliates’ everyday business
purposes—
information about your
transactions and experiences
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No
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We don’t share
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For our
affiliates’ everyday business
purposes—
information about your
creditworthiness
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No
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We don’t share
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For nonaffiliates
to market to you
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No
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We don’t share
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Who we are
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Who is providing this notice?
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American City Bank
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What we do
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How does American City Bank protect
my personal information?
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To protect your personal information from
unauthorized access
and use, we use security measures that
comply with federal law.
These measures include computer
safeguards, secured files
and buildings.
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How does American City Bank
collect my personal information?
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We collect your personal information, for
example, when you
§
open an account or provide information
§
pay your bills or apply for a loan
§
pay us by check
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Why can’t I limit all sharing?
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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.
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Definitions
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Affiliates
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Companies related by common ownership or
control. They can be financial and
nonfinancial companies.
§
Clayton Bank and Trust and Bank of
Camden
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Nonaffiliates
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Companies not related by common ownership
or control. They can be financial and
nonfinancial companies.
§
Nonaffiliates we share with can
include government entities, audit firms,
credit bureaus, and companies that assist
in servicing your loan(s) with us.
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Joint Marketing
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A formal agreement between nonaffiliated
financial companies that
together market financial products or
services to you.
§
American City Bank does not jointly
market.
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