What Does Locality Bank Do with Your Personal Information?

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.

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; and
• Credit history and payment history.

When you are no longer our customer, we continue to share your information as described in this notice.

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 Locality Bank chooses to share; and whether you can 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

For our marketing purposes – to offer our products and services to you (please see below to limit the ways we contact you)

For joint marketing with other financial companies

For our affiliates’ everyday business purposes – information about your transactions and experiences

For our affiliates’ everyday business purposes – information about your creditworthiness

For nonaffiliates to market to you – for all credit card accounts

For nonaffiliates to market to you – for accounts and services endorsed by another organization, “Sponsored Accounts”.

For nonaffiliates to market to you – for other accounts, such as insurance, investments, deposit and lending

Call 888-238-5053, e-mail us at support@localitybank.com or go to www.localitybank.com

Who is providing this notice?

Locality Bank

How does Locality Bank 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 Locality Bank collect my personal information?

We collect your personal information, for example, when you:

• Open an account
• Make deposits or withdrawals from your account
• Apply for a loan
• Request a wire transfer
• Use your debit card
• Give us your contact 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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account that I hold jointly with someone else?

Your choices will apply to you alone unless you tell us otherwise. However, your choice to limit sharing with nonaffiliates to market to you for credit card accounts or Sponsored Accounts will apply to all joint account holders. If you have more than one credit card account or Sponsored Account and you choose to opt out, you will need to do so for each account.

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Non-Affiliates

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

Joint Marketing

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