Overview: We respect your financial privacy and comply with laws and regulations designed to secure that privacy.  Your relationship with us is important, and we want you to understand our policies and practices about handling your “nonpublic personal information” (generally speaking, this means personally identifiable financial information that is not lawfully available to the general public).  We recognize your right to privacy and that you have the right to expect your nonpublic personal information to remain private and secure. We will maintain standards to ensure that your nonpublic personal information is private and secure at all times.

We want you to be aware of the following Privacy Policy, which outlines how Golden First Bank safeguards your nonpublic personal information.

Collection of Nonpublic Personal Information: We may routinely collect or retain nonpublic personal information about you from the following sources: (1) information we receive from you on deposit and loan applications and other forms; (2) information about your transactions with us, including your deposit and loan balances, overdraft history and payment history; and (3) information we receive from a consumer reporting agency regarding credit and checking account histories.  In order to serve you better, we also may retain information about the types of products and services that you purchase from us to learn about your financial needs and interests. 

Disclosure of Nonpublic Personal Information: We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as expressly permitted under law.  We will only share nonpublic personal information about you with third parties under the following circumstances:

• to comply with applicable laws and regulations;
• to protect the Bank against fraud;
• to complete banking transactions or transfers initiated by you; and
• to verify the existence and condition of your account for a third party such as a credit reporting agency.

Confidentiality and Security: Golden First Bank is committed to safeguarding the security of our customers’ nonpublic personal information.  We have adopted, and our employees are trained to understand and comply with, the following information security policies and procedures:

• Golden First Bank restricts access to personally identifiable information about you to those Bank employees who have a business reason to know that information.  All Bank employees are educated on the importance of maintaining the confidentiality of customer information.

• We have instituted physical and procedural safeguards that comply with federal standards in order to guard your nonpublic personal information.

Questions?  If you have any questions regarding our Privacy Policy or the confidentiality of your nonpublic personal information, please contact Ben Ramharak, the Bank’s Privacy Officer, at 516-570-4200 EXT. 4259