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Premia Relocation Mortgage
This
policy is effective as of January 1, 2010.
Highlights of Our Commitment to You
■ We do not sell
customer information to third parties.
■ We do not share
customer information with outside parties who may wish to market their
products to you.
■ We safeguard
your customer information carefully.
■ We are committed
to protecting your customer information in every transaction, at every level
of our organization.
■ We are committed
to helping you protect your privacy every day.
You have choices about how we share your information
within our affiliated companies and how we contact you for marketing
purposes. See inside for information about how to contact us and record your
preferences.
This document includes the Privacy Policy, which
describes how we use and protect your customer information. We believe that
protecting your privacy is an integral part of the service we provide to
you.
How We Protect and Use Customer
Information
1. We are committed to protecting the security and
integrity of customer information through procedures and technology designed
for this purpose.
■ We limit employee access to customer information to
those who have a business reason to know. Employees are required to honor
our code of conduct, which includes standards for protecting customer
confidentiality.
■ We maintain
policies and procedures covering the proper physical security of workplaces
and records.
■ Our physical,
electronic, and procedural safeguards meet or exceed federal standards
regarding the protection of customer information.
■ We require
contractors and outside companies who work with us to adhere to strict
privacy standards through their contracts with us.
2. We collect and maintain customer information as part
of servicing your account and your customer relationship.
In the course of
serving you, we collect information about you from a variety of sources,
such as:
■ Information you
provide to us on applications or forms, such as your income and accounts
with others;
■ Information we
receive from an outside company, such as a credit bureau, regarding your
credit history or employment status; or
■ Information
about your transactions or experiences with companies affiliated with ours.
3. The customer information we collect is used to
service your accounts and meet your financial needs.
Information may be
used among our affiliate companies, as well as with authorized third parties
(described in section 4), for a number of purposes, such as:
■ To protect your
accounts from unauthorized access or identity theft.
■ To process your
requests such as loan applications, purchases, and ATM withdrawals.
■ To service your
accounts by issuing checks, ATM cards, and account statements.
■ To keep you
informed about financial services of interest to you.
4. We do not share customer information with outside
parties who may wish to market their products to you.
We may disclose
the information we collect to non-affiliated third parties that are acting
on our behalf, or as permitted or required by law, including:
■ Companies that
perform support services for us, such as data processors, technical systems
consultants, or check printers.
■ Companies that
help us market products and services to you, conduct surveys or provide
marketing research.
■ Government
entities, courts or other entities (in response to subpoenas and other legal
processes), or those with whom you have requested us to share information.
■ Important Notice
about Credit Reporting: We may report information about your account(s) to
credit bureaus and/or consumer reporting agencies. Late payments, missed
payments, or other defaults on your account(s) may be reflected in your
credit report and/or consumer report.
5. Your choices for information sharing and marketing.
■ We may disclose
all of the information we collect, as described above, within our affiliated
companies, which include administrative and service units, consumer bankers,
mortgage lenders, consumer lenders, securities broker-dealers, insurance
agencies, and real estate brokerage companies.
■ By law,
information that is derived from your transactions and experiences with us
may be shared among our affiliate companies (a) for purposes other than
direct marketing, and (b) unless you instruct us otherwise, for direct
marketing purposes.
■ If you choose to
limit information sharing, we will not share personal financial information
about you among affiliates (other than information derived from your
transactions and experiences with our affiliate companies) for any purpose,
except as permitted by law. In addition, if you select that option, we will
limit affiliates’ use of transaction, experience and other personal
financial information about you for direct marketing purposes. However, your
choice regarding the use of certain information for marketing purposes does
not apply to any affiliate company that has an existing business
relationship with you or where the use is otherwise permitted by law. To opt
out of information sharing and marketing, use one of the methods described
below. Your election will apply until you tell us to change your choice.
■ Telephone and
mail preferences.
In addition to
information sharing preferences, you may request that we not contact you for
marketing purposes by telephone. For consumer accounts, this election will
be effective while you are an active customer or a minimum of five years.
For business accounts, this election will be effective for five years from
the date the election is received. You may also request that we not contact
you for marketing purposes by mail. For all accounts, this election will be
effective for three years.
■ You may instruct
us not to share certain personal financial information as described in
section 5 by calling 1-866-599-9159. You may notify us of your preference at
any time.
■ Do Not Call
Policy: This Privacy Policy constitutes our Do Not Call Policy under the
Telephone Consumer Protection Act for all consumers. We maintain an internal
Do Not Call preference list. Do Not Call requests will be honored within 30
days and will be effective for at least five years from the date of request.
No telemarketing calls will be made to residential or cellular phone numbers
that appear on our Do Not Call list.
■ As a customer,
please note that if you choose not to receive solicitations by mail or any
other channel, you may continue to receive marketing information about our
products or services in regular account mailings and statements, when you
visit us online or at an ATM. You may also receive survey calls.
6. State Laws, Trust Accounts.
Some state laws
may impose additional restrictions on disclosure of information on customers
for certain purposes in those states.
■ Nevada Residents
– Nevada Statute Section 228.600(3) allows marketing calls to our existing
customers listed on the National Do Not Call Registry. If you prefer not to
receive marketing calls from us, you may be placed on our Internal Do Not
Call list by following the instructions in the “Your Choices” section 5
above.
You may also
contact the Nevada Attorney General’s office:
Bureau of Consumer
Protection Office of the Nevada Attorney General
555 E. Washington
Street, Suite 3900
Las Vegas, NV
89101
Phone: (702)
486-3132
Email:
BCPINFO@ag.state.nv.us
■ Vermont
Residents – In accordance with Vermont law, we will not share personal
financial information about you, other than transaction and experience
information, with other affiliated companies for any purpose, nor will we
share any personal financial information about you with other affiliated
companies for marketing purposes.
■ Trust accounts,
for which we or our affiliates are the trustee, are protected under special
rules of confidentiality, and trust account information is not shared for
marketing purposes without specific consent.
Tips To Help You Protect Your Personal
Information
• Carry only
necessary information with you. Leave your Social Security card and unused
credits cards at home in a safe location.
• Make photocopies
of vital information you carry regularly and store them in a secure place,
such as a safe deposit box.
• Do not provide
your Social Security Number unless absolutely necessary.
• Shred documents
containing personal or financial information before discarding. Fraud and
identity theft often occurs as a result of mail and garbage theft.
• Place outgoing
mail in a U.S. Postal Service mailbox to reduce the chance of mail theft.
• Promptly
retrieve incoming mail to reduce the opportunity for theft.
• Monitor your
credit report for accuracy. By law, you are entitled to receive one free
credit file disclosure every 12 months from each of the nationwide consumer
credit reporting companies. To learn more or request a copy of your credit
report, visit annualcreditreport.com or call 1-877-322-8228.
Assistance to Victims of Identity Theft
You should also report the crime to your local law
enforcement agency and to the Federal Trade Commission (FTC). To speak with
a trained FTC telephone counselor, call toll-free at 1-877-IDTHEFT
(1-877-438-4338). To enter information about your complaint into a secure
FTC online database, sign onto www.ftc.gov/idtheft. The site also provides
links to numerous consumer education materials.
Unsolicited Credit Offers
If you want to reduce the number of credit offers you
receive, contact the National Consumer Credit Reporting Agencies at
1-888-567-8688 (1-888-5-OPTOUT) or visit www.optoutprescreen.com for
details.
Financial institutions and other companies provide
information to the Credit Bureaus for credit verification, fraud control
purposes, and prevention of identity theft. You may direct these agencies
not to sell or share this information about you for marketing purposes.
This document applies to (1) consumers who have, or have
had, a customer relationship or have made an inquiry or application, and (2)
individuals who have provided personal information in connection with
business accounts, loans, and leasing programs or individuals associated
with dealers participating in sales finance programs; and where the consumer
relationship, inquiry, application, or personal information is provided.
The policies and practices described in this disclosure
are subject to change, but we will communicate any significant changes to
you as required by law. The policies and practices described in this
disclosure replace all previous notices or statements regarding this
subject.
MKT JV (10-09)
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