Privacy Policy

Rev. October 2024

FACTS	WHAT DOES U.S. CENTURY 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 and account balances Payment history and transaction history Account transactions and wire transfers instructions 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 U.S. Century Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does U.S. Century 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	Yes	No
For our marketing purposes-- to offer our products and services to you	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes-- information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes-- information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?	Call (305) 715-5200 or go to www.uscentury.com

Who we are
Who is providing this notice?	U.S. Century means the following institution: U.S. Century Bank

What we do
How does U.S. Century 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.
How does U.S. Century Bank collect my personal information?	We collect your personal information, for example, when you Open an account Provide account information Apply for a loan or make deposits or withdrawals from your account Make a wire transfer
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. U.S. Century Bank does not share information with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. U.S. Century 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. U.S. Century Bank doesn't jointly market.

Application Data (Geolocation Information):

It is Bank policy to collect and process application data solely for the purpose of providing secure, reliable, and personalized mobile banking services.

Our mobile banking app periodically collects, transmits, and uses location data to support features that allow us to communicate with customers for various reasons such as closures, marketing, maintenance, and fraud alerts, but only if the customer expressly authorizes collection of such information. The customer may choose whether location data can be monitored on a continuous basis in the background, only while the app is being used, or not at all. The customer can change the location permissions at any time through their device settings. The Bank may send push notifications related to account activity, Bank notices, marketing, or application features. Customers may opt out of these notifications through their device settings.

Internet Cookies:

Information we collect from emails - Our web site does not require you to disclose any personal information. If, however, you choose to contact us via email, please keep in mind that your email address, and any other information your e-mail header displays, such as your name or organization, will be revealed to us in the email. We pledge, however, that when you communicate with us via email, we will use your email information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the Bank unless we are compelled to do so by law.