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Privacy Policy

Rev. 1/2011
FACTS WHAT DOES CHESTER NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?
Why? Financial institutions 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 services you have with us. This information can include:

  • Social Security number and income
  • account balances and payment history
  • credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial institutions need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial institutions can share their customers' personal information; the reasons we choose to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Chester National 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 No
For our affiliates' everyday business purposes—
information about your transaction and experiences
No No
For our affiliates' everyday business purposes—
information about your creditworthiness
No Yes
For our affiliates to market to you No Yes
For nonaffiliates to market to you No Yes
Questions? Call 618-826-5038 or go to www.chesternationalbank.com
Page 2
Who we are
Who is providing this notice? Chester National Bank
What we do
How does Chester National 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 Chester National Bank collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card

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

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 nonfinancial companies.

  • Chester National Bank does not share with our affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Chester National 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.

  • Chester National Bank doesn't jointly market.

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Chester National Bank

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE
FOR NONINTEREST –BEARING TRANSACTION ACCOUNTS


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