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
■ Purchase history, transaction history and payment history
■ Credit history and credit scores.
When you are no longer our customer, we continue to share your information as described in
this notice.
HOW? All financial companies need to share customer’s personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
customer’s personal information; the reasons Needham Bank chooses to share; and whether
you can limit this sharing.
Reasons we can share your personal information Does Needham 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 Yes No
For our affiliates’ everyday business purposes information about your transactions and experiences No No
For our affiliates’ everyday business purposes information about your creditworthiness No No
For nonaffiliates to market to you No No
Questions? Call 513-466-8103 or go to TheCountryBankofNeedham.com
Who we are
Who is providing this notice? Needham Bank
What we do
How does Needham 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.
We are committed to the security of your information. We will only collect
the minimum necessary to administer our business and to provide valuable
products, services, and other opportunities to you.
We maintain physical,
electronic, and procedural safeguards that comply with federal and state
regulatory standards to safeguard your information.
How does Needham Bank
collect my personal information?
We collect your personal information, for example, when you
■ Open an account or make a deposit
■ Cash a check or apply for a loan
■ Pay your bills or use your credit or debit card
■ Make a wire transfer
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.
▪ Needham Bank has no affiliates
Nonaffiliates We may share your information with nonaffiliates including government
entities in response to subpoenas and other legal processes, credit bureaus,
mortgage companies, credit card companies, companies providing servicing,
processing, accounting, or other similar functions, marketing companies, and
other financial institutions.
Joint marketing A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
▪ Our joint marketing partners may include securities brokers.