Privacy - RCB - Reading Cooperative Bank

Privacy

RCB PN REV. 02/15

FACTS	WHAT DOES READING COOPERATIVE BANK 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 the 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: Social Security number and income Account balances Credit history and credit scores Transaction and payment history Name and Address 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 Reading Cooperative Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does RCB 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	No	We don't share
For our affiliate’s everyday business purposes – information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Call 781 942-5000 or go to readingcoop.com.

What we do
How does Reading Cooperative 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 Reading Cooperative Bank collect my personal information?	We collect your personal information, for example, when you Open an account, apply for a loan or provide your income information Make deposits or withdrawals from your account Use your ATM/Debit card or pay bills online We also collect your personal information from others, such as credit bureaus or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit sharing only for Affiliates’ everyday business purposes – information about your creditworthiness Affiliates from using information to market to you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. e.g. Reading Cooperative Bank has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. e.g. Reading Cooperative Bank 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. e.g. Reading Cooperative Bank’s joint marketing partners include financial service firms and credit card companies.