Regal Financial Privacy Policy

At Regal Financial Bank, the protection of your privacy is of primary importance to all our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain our customers' information. The following policy documents the standard for all Regal Financial Bank employees for collection, use, retention and security of nonpublic personal information.

What Information We Collect

We may collect "nonpublic personal information" about you from the following sources:
Information we receive from you on applications or other loan and account forms Information about your transactions with us or others information we receive from third parties such as credit bureaus "Nonpublic personal information" is nonpublic Information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history.

What Information We Disclose

We are permitted under law to disclose nonpublic information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. When third party vendors are used to provide specific services for us, we select companies that have the same strict privacy standards as Regal Financial Bank. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

If you end your relationship(s) with Regal Financial Bank or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Limited Access to Information

Regal Financial Bank has policies and procedures that restrict access to your personal information to only those employees who need to know that information to provide products or services to you. Our Code of Conduct emphasizes the importance of keeping our customers' information confidential. We provide our employees with training so that there is a clear understanding of the importance of confidentiality and customer privacy. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Thank you for banking with Regal Financial Bank. We look forward to providing you with excellent financial service and products.