.::Noble Bank and Trust

Noble Bank & Trust, N.A.

PRIVACY NOTICE

The following is the Bank’s policy as regards the privacy of customer information.

We do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law. This includes providing customer information obtained from other sources (information not based upon our customers’ history or transactions with our Bank) to any affiliate of the Bank. The use and disclosure of information received from nonaffiliated financial institutions will be limited to the need for any products or services that the customer requests from our bank.

NobleBank & Trust, N.A. collects nonpublic, personal information about you from the following sources:

Information we receive from you on applications or other forms;
Information about your transactions with us or others; and
Information we receive from consumer reporting agencies.

The law allows the following exemptions for processing and servicing transactions, as follows:

Servicing or processing a financial product or service that a consumer requests or authorized
Maintaining or servicing the consumer’s account as part of a private label credit card program or other extension of credit on behalf of such entity
Proposed or actual securitization, secondary market sale (including sale of servicing rights), or similar transaction related to a transaction of the consumer.

The Bank can also disclose customer information:

With the consent or at the direction of the consumer,
To protect the confidentiality or security of a Bank’s records pertaining to the consumer, service, product, or transaction
To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability
For required institutional risk control or for resolving consumer disputes or inquires
To persons holding a legal or beneficial interest related to the consumer
To persons acting in a fiduciary or representative capacity on behalf of the consumer
To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating a Bank, persons that are assessing the Bank’s compliance with industry standards, and the Bank’s attorneys, accounts, and auditors
To law enforcement agencies and regulators to the extent permitted or required by law
To a consumer reporting agency in accordance with Fair Credit Reporting Act
In connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit
To comply with Federal, State, or local laws, rules ad other applicable legal requirements
To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons, or
To respond to judicial process or government regulatory authorities having jurisdiction

The Bank’s Privacy Notice will be provided to all new customers at the time their account relationship is opened. An annual Privacy Notice will be distributed to all existing active customers at a set time each year.

Noble Bank & Trust, N.A. will not disclose account numbers, or a similar form of access number or access code, for a consumer’s credit card account, deposit account, or transaction account to nonaffiliated third party for marketing purposes, except as allowed for the Bank’s own marketing efforts.

Contracts with service providers will be modified to include requirements that the third-party maintain the confidentiality of customer information.

The Bank's policy is to assure that customer information is accurate. The Bank restricts access to customer information to those employees who need to know that information to provide products and services. The Bank maintains physical, electronic, and procedural safeguards that comply with federal standards to guard customer’s nonpublic personal information.