Notice of Your Financial Privacy Rights

Rev. 03-2010

FACTS	WHAT DOES BANKEAST 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 income Account balances and payment history Credit history and credit scores
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 BankEast chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does BankEast 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	Yes
For joint marketing with other financial companies	No	We don't share
For our affiliates’ everyday business purposes- information about your transactions and experiences	Yes	Yes
For our affiliates’ everyday business purposes- information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For non-affiliates to market to you	No	We don't share

To limit our sharing	• Mail the form below Please note:  If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Please contact us at 865-540-5800 and ask to speak to the Consumer Privacy Dept

Mail-in Form
If you have a joint account, your choice(s) will apply to everyone on your account	Mark any/all you want to limit: __ Do not share information about my creditworthiness with your affiliates for their everyday business purposes. __ Do not allow your affiliates to use my personal information to market to me.
	Name		Mail to: BankEast Attention: Consumer Privacy P.O. Box 24 Knoxville, TN 37901
	Address
	City, State, Zip
	Account #

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Who we are
Who is providing this notice?	BankEast
What we do
How does BankEast protect my personal information?	We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
How does BankEast 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 non-affiliates to market to you
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Curtis Mortgage Company Peak Wellness Center
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. BankEast does not share with non-affiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. BankEast doesn’t jointly market.

Other important information
Customers who Previously Opted Out	If you have already exercised these opt-out rights, you do not have to inform us again. The opt-out will remain in effect until you tell us otherwise.

Patriot Act

Important Information About Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
 

What This Means For You

When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents.

Prevent Identity Theft

Identity theft is a criminal activity where an individual wrongly obtains and uses another person’s personal data without their knowledge and consent to commit fraud.

• No one from BankEast will ever telephone you and request your account number, PIN, or passcode. If you receive such a call, please notify us immediately.
• Do not provide your personal information to telephone callers, over the Internet or through the mail.
• Never leave your checkbook, wallet or other financial information unprotected.
• Do not use an unsecured mailbox to send or receive mail. Use an official U.S. Postal Service collection box.
• Have your mail held by the U.S. Postal Service if you are going out of town.
• Follow up with vendors if you do not receive statements or bills at the usual time.
• Carry only the identification and credit or debit cards that you need.
• Create passwords for your credit cards, telephone accounts and bank accounts.
• Shred receipts and other documents that contain personal information rather than throwing them away. Shred credit offers and other solicitations that you receive in the mail.
• Avoid creating passcodes that could be easily determined by others (your birth date, mother’s maiden name, etc).

BankEast helps prevent identity theft by asking appropriate questions to identify a caller, or asking for proper ID when an unknown person is requesting account information.

ATM Security

BankEast has compiled a list of ATM security tips in order to increase awareness and help ensure your safety. Please use the following tips each time you visit an ATM.

• Memorize your personal identification number (PIN). Do not write it on your card or give it to others.
• Prepare your transaction before arriving at the ATM.
• Pay close attention to your surroundings when approaching the ATM and during your transaction. Should you notice anything unusual or suspicious while using the ATM, cancel the transaction, remove your card, and leave the area immediately.
• Don’t accept assistance from anyone you don’t know while using the ATM.
• Use your body to shield the view of others while entering your PIN and when retrieving your cash.
• Remove your card, cash and receipt from the ATM.
• Wait until you are in secure surroundings to count your cash.
• If you are approached by someone demanding your money, don’t resist. Try to remember all you can about the incident, then call the police immediately.
• If you are using a drive-up ATM, keep all car doors locked. All windows, except the driver’s, should be rolled up. Keep the car engine running, and be aware of your surroundings.
• Record each ATM transaction in your check register for future reference.
• To help prevent fraud, do not leave your receipt near the ATM. Save your receipt to compare with your bank statement.
• To report a lost or stolen ATM or debit card, notify us immediately at 865-540-5800 or 1-800-500-1044.