Flora Bank and Trust Privacy Policy, facts about how Flora Bank and Trust handles your sensitive information"
FACTS: WHAT DOES FLORA BANK & TRUST 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 and/or confidential information that we collect from you, and the types of information that we share depend primarily on the products and/or services you apply for and/or use at our bank. This information often includes:
  • Social Security Number and credit card or other debt
  • Employment information and income
  • Credit History and Transactions History
When you are no longer our customer, we continue to share your information as described in this notice.

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 Flora Bank & Trust chooses to share; and whether you can limit this sharing.
Flora Bank and Trust Privacy Policy Section 2:Why Flora Bank and Trust Bank Shares your personal information
Reasons we can share your personal information: Does Flora Bank & Trust 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 efforts with other financial companies: Yes

No
For our affiliates’ everyday business purposes:
Information about your transactions and experiences		 No We Don't Share
For our affiliates’ everyday business purposes:
Information about your creditworthiness		 No We Don't Share
For affiliates to market to you: No We Don't Share
For non-affiliates to market to you: No We Don't Share
Flora Bank and Trust Bank Privacy Policy Section 3: Contact information regarding any Questions.

Questions?

 Call (618) 662-4441 or go to www.fbandtbank.com
Flora Bank and Trust Privacy Policy Part 4: Definitions
What We Do:  
How does FLORA BANK & TRUST 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 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.
How does FLORA BANK & TRUST collect my personal information? We collect your personal information, for example, when you:
  • Open an account or apply for a loan 
  • Use of your debit or credit card or give us employment history
  • Give us your contact information

We also collect your personal information from others, such as credit bureaus or from 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.

(See below for further details)
Definitions:
Affiliates Companies related by common ownership or control. They can be financial and non financial companies.
  • FLORA BANK & TRUST does not share with our affiliates.
Non Affiliates Companies not related by common ownership or control. They can be financial and non financial companies.
  • FLORA BANK & TRUST does not share with non Affiliates so they can market to you.
Joint Marketing A formal agreement between non affiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include Independent, Registered Broker/Dealer.

 

**Illinois law requires that you opt-in to information sharing. Therefore, before we would share your information with a third party, except where permitted by law, we will obtain your permission.