Privacy and Security Policy

Privacy Statement

 

      Rev. 12/2010
FACTS WHAT DOES PATRIOT BANK
DO WITH YOUR PERSONAL INFORMATION?
       
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  -  Dates of Birth  
   -  Dependents   -  Contact Information  
   -  Account Information  -  Collateral Ownership  
       
  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 Patriot Bank chooses to share;
  and whether you can limit this sharing.
       
Reasons we can share Does Patriot Bank Share? Can you limit this sharing?
your personal information    
For our everyday business purposes- YES NO
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 -  NO N/A
to offer our products and services to you.
     
For joint marketing with other financial companies. NO N/A
 
For our affiliates' everyday business purposes -   NO N/A
information about your transactions and experiences.
     
For our affiliates' everyday business purposes - NO N/A
information about your creditworthiness
     
For nonaffiliates to market to you. NO N/A
 
     
Questions? Call 901-475-3252 or go to www.patriot-bank.com for disclosures.  
       
 
       
Page 2  
       
Who we are
       
Who is providing this notice: Patriot Bank
       
What we do    
       
How does Patriot Bank protect To protect your personal information from unauthorized access
my personal information? and use, we use security measures that comply with federal law.  
    These measures include computer safeguards and secured files and buildings.
     
    We restrict access to your non-public personal information to only the
    employees who need to know in order to process your transactions.
     
How does Patriot Bank collect We collect your personal information, for example, when you -
my personal information?    
     - Apply for financial Products or Submit financial transactions
     - Provide information or Request information be provided
     - Give approval for information from consumer reporting agencies.
       
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.  
       
     -  We do not submit personal information to affiliates.
       
Nonaffiliates   Companies not related by common ownership or control.  They can be
    financial and nonfinancial companies.  
       
     -  We do not submit personal information to nonaffiliates.
       
Joint Marketing A formal agreement between nonaffiliated financial companies that 
    together market financial products or services to you.
       
     -  We do not release personal information to any of these companies.
       
       
Other important information    
       
Patriot Bank does not disclose non-public personal information about  
current or former customers to anyone, except as provided by law.  
       

Security Statement

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank's Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Secure Data Transfer

Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your Internet loan application and check reorder transactions are secure.

Don't Be an Online Victim: How to Guard Against Internet Thieves and Electronic Scams

http://www.fdic.gov/consumers/consumer/guard/index.html