| Facts: | WHAT DOES TOWNEBANK AND ITS FAMILY OF COMPANIES 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:
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| 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 TowneBank and its family of companies chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does TowneBank & its family of companies share? | Can I 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 | Yes |
| 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: |
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| Questions? | Your local banker or Towne affiliated representative would be happy to answer questions about this Privacy Notice. To inquire, please call: | ||||
| TowneBank: | (844) 402-0002 | Towne Insurance: | (800) 486-4611 | ||
| Towne Wealth Management: | (888) 249-2271 | Towne Benefits: | (855) 340-3873 | ||
| RW Towne Title: | (757) 490-6520 | ||||
| Towne Vacations Oak Island d/b/a Oak Island Accommodations: Towne Vacations, t/a Beach Properties of Hilton Head: Towne Vacations Deep Creek, t/a Railey Vacations: Towne Vacations Venture Resorts: Towne Vacations Wrightsville Beach d/b/a Bryant Real Estate: | (844) 402-0002 | ||||
| Mortgage Privacy Hotline: See below under TowneBank Family of Companies for Mortgage company names. | (844) 292-8414 | ||||
| Who we are: | |
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| Who is providing this notice? | This notice is provided by certain specific companies in the TowneBank Corporate family, as listed in the section below titled TowneBank Family of Companies. |
| What we do: | |
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| How does TowneBank and its family of companies 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 & buildings. Our employees are also committed to safeguarding customer information and preventing its unauthorized access, disclosure, or use. |
| How does TowneBank and its family of companies collect my personal information? | We collect your personal information, for example, when you:
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| Why can’t I limit all sharing? | Federal law gives you the right to limit only:
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| 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. Our affiliates include companies with a TowneBank/Towne name and other financial companies such as banks, mortgage companies, insurance agencies; and nonfinancial companies such as employee benefit companies, real estate agencies, property management companies, and title and escrow companies. |
| Non-affiliates | Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with can include government entities, credit bureaus, insurance companies, companies that perform marketing services on our behalf, and companies that assist in servicing your loan(s) or account(s) with us. |
| Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include investment and asset management services, personal insurance providers, credit card providers, securities broker/dealers, and real estate service providers. |
| Other important information: |
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| Special Notice to California and Vermont Residents – In accordance with applicable state privacy laws, we will treat accounts with California and Vermont mailing addresses as if you have elected to opt-out. |
| This notice applies to individual consumers who are customers or former customers. This notice replaces all previous notices of our consumer privacy policy and may be amended at any time. We will keep you informed of changes or amendments as required by law. |
| TowneBank Family of Companies: |
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| TowneBank of Currituck; TowneBank OBX; Towne Insurance Agency, LLC; Towne Benefits; Towne Wealth Management; Towne Vacations; TowneBank Mortgage; Towne Mortgage, LLC; Towne Mortgage of the Carolinas, LLC; HomeSale Mortgage, LLC; Coastal Towne Mortgage, LLC; FitzGerald Financial Group; Advance Financial Group, LLC dba RW Towne Mortgage; Towne First Mortgage, LLC; RW Towne Realty; RW Towne Title; Towne 1031 Exchange, LLC |