Consumer Privacy Notice | Crescent Bank

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Consumer Privacy Notice

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Rev. 06/2023

FACTS	WHAT DOES CRESCENT 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 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 Credit History Income and Payment History Credit Scores and Account Balance 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 customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Crescent Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Crescent Bank 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	NO	WE DON'T SHARE
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 nonaffiliates to market to you	NO	WE DON'T SHARE

Questions?	Call toll-free: for lending and loan servicing (866) 208-8288; for deposit accounts (877) 831-3334; or visit www.cbtno.com.

Who We Are

Who is providing this notice?	Crescent Bank

What We Do

How does Crescent 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.
How does Crescent Bank collect my personal information?	We collect your personal information, for example, when you open accounts or give us your income information apply for a loan or provide employment information make deposits or withdrawals from your account 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 only sharing for affiliates’ everyday business purposes – information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you See below for more on your rights under state law.

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Crescent Bank does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Crescent 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. Crescent Bank does not jointly market.

Other Important Information

For California Residents	We do not share personal information with affiliates or non-affiliates except as necessary for us to follow the law or as permitted by law.
For Vermont Residents	We will not disclose information about your creditworthiness to our affiliates, and will not disclose your personal information, financial information, credit report or health information to non-affiliated third parties to market to you other than as permitted by Vermont law.
Online Privacy Notice	The Online Privacy Notice for Crescent Bank is available here. The Online Privacy Notice describes how we use and collect information about our website users.