Rev. 12/10

FACTS

WHAT DOES UPSTATE NATIONAL 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 products or service you have with us.  This information can include: 

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

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 Upstate National Bank chooses to share; and whether you can limit this sharing.

Reason we can share your personal information

Does Upstate 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

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 our affiliates to market to you

NO

We don’t share

For nonaffiliates to market to you

NO

We don’t share

Questions?

Call 800-219-6109 or go to www.upstatebank.com

Who we are

Who is providing this notice?

Upstate National Bank

What we do

How does The Upstate 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 The Upstate National Bank

collect my personal information?

We collect your personal information, for example, when you 

·         open an account  or use your debit card

·         pay your bills or apply for a loan

·         make deposits and 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

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.  

·         Upstate National Bank has no affiliates

Nonaffiliates

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

·         Upstate 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. 

·         Upstate National Bank doesn’t jointly market