Concord Bank understands the importance of protecting our customer’s privacy.  During the course of establishing a relationship with our customers, it is necessary to collect nonpublic personal information.  This information is obtained in order to provide you with the best products to suit your needs, to know who you are and thereby prevent unauthorized access to your information, and in order to comply with laws and regulations that govern how the bank operates.

In the course of doing business, we may collect personal nonpublic information about you as follows:

• Information about your identity, such as your name, address and social security number
• Information we receive from you on applications or other loan and account forms, such as your assets and your income
• Information we receive from credit bureaus and other companies, such as your credit-worthiness and payment history

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.  However, we may disclose all of the information we collect to companies that perform account processing on our behalf.  If you end your relationship with our bank, we will continue to follow the privacy practices as described in this notice.  If, in the future, we choose to collaborate with a third party vendor to provide certain services the bank does not or can not provide, we will ask our customers if they would want the option of providing specific non-public personal information to that vendor for marketing purposes.

We restrict access to our customer’s nonpublic personal information to those employees who need to know that information in order to provide products and services.  We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

If you have any questions regarding this notice, please contact the bank at 314-843-7770.