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Your Locally Owned and Operated Neighborhood Bank


 CharterBank's Privacy Policy

Rev. 09/2011




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
* Income
* Account balances

* Payment history
* Transaction history
* Credit history

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 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 Charter Bank chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information

Does Charter 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



For our marketing purposes -
to offer our products and services to you



For joint marketing with other financial companies


We don't share

For our affiliates' everyday business purposes -
information about your transactions and experiences


We don't share

For our affiliates' everyday business purposes -
information about your creditworthiness


We don't share

For nonaffiliates to market to you


We don't share


Questions ?

Call 361-241-7681 or go to www.charterbankcc.com


What We Do


How does Charter 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Charter Bank collect my personal information ?

We collect your personal information, for example, when you

* Open an account
* Deposit money
* Pay your bills

*Apply for a loan
* Make deposits or withdrawals from your account

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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
See below for more on your rights under state law.





Companies related by common ownership or control.  They can be financial and non-financial companies.
  * Charter Bank does not share with our affiliates.


Companies not related by common ownership or control.  They can be financial and non-financial companies.
  * Charter Bank does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  * Charter Bank doesn't jointly market.


Other Important Information

For Texas Customers.    Charter Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking.  Any consumer wishing to file a complaint against Charter Bank should contact the Texas Department of Banking.  Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the following means:  In person or by U.S.Mail:  2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294;  Telephone No. (877) 276-5554 ; Fax No. (512) 475-1313 ;  Email: consumer.complaints@dob.texas.govWebsite:  www.dob.texas.gov .

Online Privacy

Visitors to CharterBank's Web site remain anonymous.  We do not collect identifying information about visitors to our site.  We may use standard software to collect non-identifying information about our visitors, such as:

  Date and time our site was accessed
  IP Address (A numeric identifier utilized on the Internet)
  Web browser used
  City, State, and Country

CharterBank may use this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via e-mail or our online feedback section.  This information is used internally, as appropriate, to handle the sender's request.  It is not disseminated or sold to other organizations.

CharterBank is committed to ensuring the privacy of its customers' personal information.  For more information regarding our Privacy Policy, contact us at any of our locations identified below.