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Within Croghan
Colonial Bank, we have restrictions and policies limiting access to
nonpublic personal information about you. However, you can take actively
protect your own information by following the suggestions listed below.
How
To Protect Your Credit Information.
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.
Your credit report
includes personal and financial information such as your account
balances and account payment history for credit cards, mortgages or
other consumer loans. By law, an individual's credit report can be
obtained by insurance companies, banks and others when needed to
transact business with you.
It's a good idea to
check your report periodically with one or more of the major credit
bureaus listed below to see that the information is accurate and up to
date.
• Equifax, Inc. (800)
685-1111 http://www.equifax.com
• Trans Union
Corporation (800) 888-4213 http://www.transunion.com
• Experian (888)
397-3742 http://www.experian.com
If you believe that we
have incorrect information or have reported inaccurate information to a
credit bureau, please write or call us at the address or telephone
number listed on your account statement.
Telemarketing
(Telephone Marketing)
At no time do we use outside telemarketing companies to sell Croghan
Colonial Bank products and services, nor do we sell or give customer
information to outside telemarketing companies to use to solicit
business from you.
Protect Your Good
Name
You can take steps to secure your personal information and guard against
identity theft, one of the fastest-growing kinds of fraud. (Identity
theft occurs when criminals steal your financial information and assume
your identity—applying for credit in your name, running up huge bills
and generally wrecking your credit history.)
• Never give
your Social Security number, credit card or bank account information to
anyone on the phone unless you initiate the call.
• Don't print
your Social Security number on your checks.
• Protect banking
personal identification numbers (PINs) and passwords. Don't carry PINs
in your wallet or write them on your debit or credit cards! Never
use as a password your Social Security number or another number (or
portion of a number) that can be found in your wallet. Change your PIN
regularly.
• Tear up or shred
receipts, bank statements and unused credit card offers before throwing
them away.
• Review account
statements regularly for unauthorized charges.
• If you suspect your
identity has been stolen:
1. Contact Croghan Colonial Bank immediately at 1-888-276-4426,
so we can start closing accounts and clearing your name.
2. File a police report and call the fraud units of the major credit
bureaus: Trans Union (800) 680-7289, Experian (888) 397-3742 and Equifax
(800) 525-6285.
3. Report the incident to the toll-free Identity Theft Hotline of the
Federal Trade Commission at 1-877-ID THEFT (438-4338). Counselors there
can help you resolve problems.
4. Learn more about identity theft at
http://www.consumer.gov/idtheft
Changes
To Our Privacy Policy
If you have a consumer
account with Croghan Colonial Bank, you will be notified by mail if
there are major changes to our Privacy Policy.
Effective Date
The privacy policy is current as of 2/01/06.
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