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Privacy Disclosure
AT AZTECAMERICA, YOUR PRIVACY IS IMPORTANT TO US
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 are 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. In fact,
we developed the following policies to ensure you confidentiality
and maintain your confidence in our institution. These policies
detail the strict standards we have in place. For this reason we
ask that you please read the following information carefully.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean AZTECAMERICA
BANCORP, INC., AZTECAMERICA BANK and AZTECAMERICA FINANCIAL SERVICES,
INC. This is our privacy notice for our customers. When we use the
words "you" and "your" we mean the following
types of customers:
Our consumer customers who have a continuing relationship by
purchasing or holding financial products or services such as a
(n):
o Deposit account
o Loan account
o Retail installment contract we hold and service
o Financial, investment or economic advisory services
o Mortgage brokerage services
We will tell you the sources of the information we collect about
you. We will tell you what measures we take to secure that information.
We will tell you what information we share about you with other
entities. We will explain what your rights are, and how you can
exercise them. If you share an account relationship with someone
else, such as a joint account holder or co-borrower, we suggest
that you share this information with such persons to ensure that
each of you is aware of our policy and your options. We first define
some terms.
Nonpublic personal information means information about you that
we collect in connection with providing a financial product or
service to you. Nonpublic personal information does not include
information that is available from public sources, such as telephone
directories or government records. Hereafter, we will use the
term "information" to mean nonpublic personal information
as defined in this section.
An affiliate is a company we own or control, a company that
owns or controls us, or a company that is owned or controlled
by the same company that owns or controls us. Ownership does not
mean complete ownership, but means owning enough to have control
.
A nonaffiliated third party is a person we do not employ or
a company that is not an affiliate of ours. This is also known
as nonaffiliated third party, or simply, an "other party."
Opt out means a choice you can make to prevent certain sharing
of information. We will explain how you can exercise this choice.
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with our affiliates
Information about your transactions with other parties
Information from a consumer reporting agency
Information we receive as a result of verifying customer information
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees
who need to know that information to provide products or services
to you. We maintain physical, electronic and procedural safeguards
to protect this information.
YOUR INFORMATION AND OUR AFFILIATES
We may disclose information about you to our affiliates.
Here are the kinds of information and the source of that information:
Transaction and experience information from our account records:
Information about your transactions and experience with us,
such as:
o Name
o Address
o Types of accounts
o Payment history
Federal law allows us to disclose the information listed above
with our affiliates. However, we will allow you to opt out of
the disclosure of this information to our affiliates. Types of
Affiliates We may disclose information about you to the following
types of affiliates: Financial service providers, such as mortgage
bankers.
Reasons for Disclosure
We may disclose information about you to our affiliates:
To provide you with information about additional products and
services;
To evaluate our total relationship with you and our family of
companies and give you the best price that relationship deserves;
and/or
To allow you to share with us the individual pieces of your
overall financial plan.
Future Affiliate Disclosure
We also reserve the right to disclose the following additional
information about you to our affiliates in the future: Transaction
and experience information from our account records: Information
about your transactions with us, such as:
Account balances
Account activity
Parties to the transaction
Deposit history
Federal law allows us to disclose the information listed above with
our affiliates. However, we will allow you to opt out of the disclosure
of this information to our affiliates. We may disclose this information
with the affiliates listed under the heading Types of
Affiliates.
YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except
as disclosed in this policy or as permitted by law. Examples of
this might include disclosures necessary to service your account
or prevent unauthorized transactions.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers,
except as permitted by law.
YOUR INFORMATION AND JOINT MARKETERS FUTURE CHANGES
In the future, we may disclose information about you to
joint marketers, even though we are not doing so now. Here are the
kinds of information we may disclose to these marketers:
Information about your transactions with us, such as:
Name
Address
Types of accounts
Payment history
You may not opt out of the disclosure of the information listed
above.
Types of Joint Marketers
We may disclose information about you in the future to the following
types of joint marketers:
Financial service providers, such as:
Mortgage bankers
Securities broker-dealers
Insurance agents
Private label credit card issuers
Reasons for Disclosing
In the future, we may disclose information about you to joint
marketers to provide you with information about additional products
and services.
YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION
Affiliates.
We may disclose your information with our affiliates. If you
do not want us to disclose your information with our affiliates,
you can block the disclosure of this information. This is known
as your right to "opt out." Your decision to block the disclosure
of your information will apply to information collected from all
products and services you receive from us. If you have obtained
one or more products or services jointly, each owner or purchaser
has a separate right to opt out. If one of you chooses to opt out
of the disclosure of your information and any other does not, only
information regarding the other parties who do not opt out will
be disclosed. However, each joint owner or purchaser may opt out
of the sharing of information collected in conjunction with the
product or service on behalf of all other joint parties. If you
wish to opt out of the disclosure of your information, you may do
so by using any of the following methods:
_ Check the appropriate box(es) on the Opt Out Notice that you
received with this notice and return to us at this address:
AztecAmerica Bancorp
P.O. Box 310
Berwyn, Illinois 60402
_ Or, call this number: 888-700-5171
YOU HAVE THE RIGHT TO CHOOSE
In this notice, we have explained our policy about the disclosure
of certain information.
Affiliates
We have explained the kinds of information we may disclose to
our affiliates. We have also explained the kinds of affiliates
with whom we may disclose the information. If you prefer that
we do not disclose information to our affiliates you may opt out
of those disclosures, that is, you may direct us not to make those
disclosures (other than the disclosures permitted by law). Your
decision to block the disclosure of your information will apply
to information collected from all products and services you receive
from us. If you have obtained one or more products or services
jointly, each owner or purchaser has a separate right to opt out.
If one of you chooses to opt out of the disclosure of your information
and any other does not, only information regarding the other parties
who do not opt out will be disclosed. However, each joint owner
or purchaser may opt out of the sharing of information collected
in conjunction with the product or service on behalf of all other
joint parties. If you wish to opt out of the disclosure of your
information, you may do so by using any of the following methods:
_ Check the appropriate box(es) below and return this form to
us at this address:
AztecAmerica Bancorp
P.O. Box 310
Berwyn, Illinois 60402
Do not share my information with your affiliates.
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NAME:
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_ Or, call this number: 888-700-5171
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