Rev. April 2013

What Does Sunrise Banks, N.A. Do With Your Personal Information?

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.

The types of personal information that we collect and share depend on the product or service you have with us.  This can include:

• Social Security Number and Income
• Account balances 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.

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 Sunrise Banks, N.A. chooses to share; and whether you can limit the sharing.

Reasons We Can Share Your Personal Information

For our everyday business purposes –

such as to process your transaction, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

• Does Sunrise Banks, N.A. share?
  Yes
• Can you limit this sharing?
  No

For our marketing purposes –

to offer our products and services to you.

• Does Sunrise Banks, N.A. share?
  Yes
• Can you limit this sharing?
  No

For joint marketing with other financial companies.

• Does Sunrise Banks, N.A. share?
  Yes
• Can you limit this sharing?
  No

For our affiliates’ everyday business purposes –

information about your transactions and experiences.

• Does Sunrise Banks, N.A. share?
  Yes
• Can you limit this sharing?
  No

For our affiliates’ everyday business purposes –

information about your creditworthiness.

• Does Sunrise Banks, N.A. share?
  No
• Can you limit this sharing?
  We don’t share

For our affiliates to market to you.

• Does Sunrise Banks, N.A. share?
  No
• Can you limit this sharing?
  We don’t share

For non-affiliates to market to you.

• Does Sunrise Banks, N.A. share?
  No
• Can you limit this sharing?
  We don’t share

What We Do

How does Sunrise Banks, N.A. 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.

How does Sunrise Banks, N.A. collect my personal information?

We collect personal information, for example, when you

• Open an account or deposit money
• Pay your bills or apply for a loan
• Make a wire transfer

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.

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.

• Our affiliates include financial companies such as University Financial Corp. dba Sunrise Banks.

Non-affiliates

Companies not related by common ownership or control.  They can be financial or non-financial companies.

• Sunrise Banks, N.A. does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between non affiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include a credit card company.

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