Privacy & security

Privacy Policy

CenTrust Bank knows how important personal privacy is to you. We will maintain standards to ensure that your information is kept private and secure. We believe your privacy should never be compromised. We never lose sight of the fact that our customers' trust is our most valuable asset. If you ever have any questions about the confidentiality of your information in our hands, please contact us.

OPT-OUT: We will not share your nonpublic personal information with others as defined below. CenTrust Bank, on your behalf, has exercised your right to opt-out under 12 CFR Part 40, Privacy of Consumer Financial Information. You have chosen to do business with CenTrust Bank, and we guard that relationship with great care, beginning with the information you have chosen to share with us. That is why we have opted out for you as a matter of corporate policy. CenTrust Bank does not share information about you unless permitted by Title V of the Gramm-Leach-Bliley Act of 1999 and other applicable laws and regulations.

CenTrust Bank and our employees are dedicated to protecting the privacy of your nonpublic personal information. We maintain information about you in order to provide you with the most effective and convenient access to our broad range of financial products and services. We want you to understand what information we collect, and how we use and protect it. This notice serves as a standard for all CenTrust Bank employees for collection, use, retention and security of nonpublic personal consumer information.

CenTrust Bank and employees are dedicated to protecting the privacy of your nonpublic personal information. We maintain information about you in order to provide you with the most effective and convenient access to our broad range of financial products and services. We want you to understand what information we collect, and how we use and protect it. This notice serves as a standard for all CenTrust Bank employees for collection, use, retention and security of nonpublic personal consumer information.

What Information We Collect

"Nonpublic personal information" is information about you that we obtain in connection with providing a financial product or service. Such information includes, for example, account balance, income, assets, insurance premiums, payment history and overdraft history.

We may collect nonpublic personal information about you from the following sources:

• Information that you provide to us, such as on applications or other forms
• Information about your transactions with us, our affiliates or others, or
• Information from others, such as credit bureaus, real estate appraisers, and employers

Our Security Procedures

To maintain security of customer information, we restrict access to your personal and account information to persons who need to know that information to provide you products or services. We maintain physical, electronic and procedural safeguards to guard information.

What Information We Disclose

CenTrust Bank does not disclose nonpublic personal information about you, except as permitted by federal law. The confidentiality of your nonpublic personal information will continue to be maintained consistent with this privacy notice even if you decide to close your account(s), your account becomes inactive, or when you otherwise cease to do business with us.

CenTrust Bank works with a variety of third parties to bring you financial services. We disclose information about you as necessary to fulfill these third party service agreements. For example, we may disclose information about you to third parties that assist us in servicing or maintaining your loan or deposit account, or other business relationship, such as printing checks or billing you for loan payments. We may also disclose information about you to governmental entities, such as sending annual income statements to the IRS, and to other third parties such as credit bureaus, or in response to subpoenas.

We may disclose all of the information we collect, as described above, to third parties that perform marketing services on our behalf or to other financial institutions, such as insurance providers, with whom we have joint marketing agreements in order to make a variety of financial services available to you. These third parties must agree to strict confidentiality provisions to assure the protection of your information. Because we already limit the sharing of your nonpublic personal information as outlined above, no action is necessary on your part to limit such sharing.

CenTrust Bank's Pledge to You

We believe that your privacy should never be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both by adhering to the provisions of this privacy notice.

FCRA Disclosure and Credit Bureau Reporting

Important Notice Regarding Credit Bureau Reporting: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.