| FACTS | WHAT DOES CARTHAGE FEDERAL SAVINGS AND LOAN ASSOCIATION DO WITH YOUR PERSONAL INFORMATION? |
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| 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. |
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| 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 Carthage Federal Savings and Loan Association chooses to share; and whether you can limit this sharing. |
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| Reasons we can share your personal information | Does Carthage Federal Savings and Loan Association share? | Can you limit this sharing? |
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| 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 affiliates’ everyday business purposes – information about your creditworthiness | No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For non-affiliates to market to you | No | We don’t share |
| Questions? | Call (315) 493-3480 or go to www.carthagesavings.com |
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| What We Do | |
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| How does Carthage Federal Savings and Loan Association 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. In addition, employee access to your personal information is limited to those with a business reason to know such information. |
| How does Carthage Federal Savings and Loan Association 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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| Definitions | |
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| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
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| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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| Other important information | |
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| At Carthage Federal Savings and Loan Association, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how Carthage Federal Savings and Loan Association protects your confidential information, please contact us at 315-493-3480. Thank you. |