Privacy Administration and Enactment
DEPOSIT OR LOAN ACCOUNT INFORMATION
Community Bank of Pleasant Hill may collect the following information for use in establishing a deposit or a loan account:
Deposit information which may be collected:
- Name, present address (street, city, state, zip), home phone number
- Social Security number and date of birth
- Place of employment and work phone number
- Previous Bank
- Determine if resident of State of Missouri for last 5 years
- Drivers license number; backup withholding status
- Any other information we may deem necessary to transact the opening of your account.
Loan information which may be collected:
- Name, present address (street, city, state, zip), home phone number
- Social Security number, age, years of school
- Marital status, number of dependents and their ages
- Length of time at present address: own or rent?
- Former address if less that 2 years; length of time there: own or rent?
- Name and address of employer and employer phone number
- Monthly employment income, other monthly income
- Number of years on current job and profession
- Previous employer if less than 2 years on current job
- Income verification which may include copy of Federal Income Tax return and pay stubs
- Monthly housing expense, other monthly expenses
- All Asset and Liability information;
- Co-maker/endorser on other note? Bankruptcy within last 7 years?
- Outstanding judgments? Foreclosure? Party to any lawsuit?
- Presently delinquent on obligations? US Citizen?
- Information as to current real estate owned; details of real estate transaction
- Loan amount requested and/or purpose of loan
- Government monitoring information
- Credit information
- Drivers License photo and information
SHARING OF INFORMATION
The consumer/customer information we collect is used and shared as follows:
Deposit information may be used and shared with:
- Account verification companies
- Data processing companies
- Check printing companies
- Companies that produce ATM/debit cards
- Internal use by bank employees as needed to effect transaction
- ATM/Debit card interchange company
- Credit card providers and credit reporting agencies
- Document shred company
- Check verification companies, merchants, payees for check verification
- Attorneys, accounting firms and other professionals as needed to effect, administer or enforce a transaction
Loan information may be used and shared with:
- Credit reporting agencies
- Data processing companies
- Title companies for closing real estate loan transactions
- Auto dealers for vehicle lien information
- Flood zone certification companies
- Companies providing credit life or accident insurance
- Non-affiliate bank for loan participation
- Internal use by bank employees as needed to effect transaction
- Lien recording companies
- Mortgage companies
- Insured aircraft title services;
- Credit card providers;
- Document shred companies,
- Check verification companies, merchants, payees for check verification,
- Attorneys, accounting firms and other professionals as needed to effect, administer or enforce a transaction.
AFFILIATED VERSUS NON-AFFLIATED THIRD PARTIES
For the purposes of this policy, affiliates and non-affiliated third party categories are listed as follows:
Affiliates:
- Bank Holding Company
- Real Estate Development Corporation
Non-affiliated third parties:
- Data Processing company
- Correspondent Banks
- Check Printers
- Credit Verification companies
- Credit bureaus
- Insured Aircraft Title Services
- Lien recording companies
- Title companies
- Auto Dealers
- Flood Zone Certification companies
- Insurance companies providing credit life or accident insurance
- Banks that purchase loan participation
- Banks providing customer credit cards
- ATM/Debit card providers
- ATM/Debit card interchange company
- Mortgage companies providing secondary market financing
- Merchant credit card companies
- Document shred companies;
- Check verification companies, merchants, payees for check verification
- Attorneys, accounting firms and other professionals as needed to effect, administer or enforce a transaction.
PRIVACY PROMISE TO CUSTOMERS
Community Bank of Pleasant Hill does not disclose nonpublic personal information to non-affiliated third parties about our customers or former customers to anyone, except as permitted by law or necessary to effect, administer or enforce transactions.
