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Century Bank and Trust Customer Information Privacy Disclosure

 Rev. [012814]

FACTS WHAT DOES CENTURY BANK AND TRUST AND CENTURY MORTGAGE SERVICES, INC. (CENTURY) 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:

  1. Social Security number and transaction history
  2. account balances and payment history
  3. credit history and credit scores
   
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 Century chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Century  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 Yes No
For our affiliates everyday business purposes—
information about your transactions and experiences
Yes No
For our affiliates everyday business purposes—
information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don't share
 
To limit
our sharing
  1. Call Toll Free (866)-680-2265
  2. Visit us online: www.CenturyBankandTrust.com or
  3. Mail the form below

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date you received this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

   
Questions? Call Toll Free (866)-680-2265 or go to www.CenturyBankandTrust.com
Mail-in Form







 

Mark any/all you want to limit:

  [_]  Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
 [_]  Do not allow your affiliates to use my personal information to market to me.
 [_]  Do not share my personal information with nonaffiliates to market their products and services to me.

Name                                                 

Mail to:

Century Bank and Trust

PO Box 399

Coldwater MI 49036

Address  
   
City, State, Zip  
Account #  
Who are we
Who is providing this notice?? Century Bank and Trust and Century Mortgage Services, Inc.
What we do
How does Century 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.
How does Century collect my personal information?

We collect your personal information, for example, when you

  1. open an account or deposit money
  2. pay your bills or apply for a loan
  3. use your credit or debit card

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

  1. sharing for affiliates' everyday business purposes—information about your creditworthiness
  2. affiliates from using your information to market to you
  3. sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. 

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates

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

  1. Our affiliates include Century Financial Corporation, Century Bank and Trust and Century Mortgage Services, Inc.
Nonaffiliates

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

  1.  Century Bank and Trust does not share 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.

  1. Our joint marketing partners include financial service providers and credit card companies.