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How West Suburban Bank Protects your PrivacyConcern for customer confidentiality and privacy has been a hallmark of banking for centuries. At West Suburban Bank, our employees treat the information we have concerning your accounts in the same responsible, confidential way that we want our own financial affairs treated.This privacy policy explains:
Internet PrivacyQ.Is my privacy protected if I visit West Suburban Bank's website (www.westsuburbanbank.com) on the Internet?A.Yes. As a visitor to our website, you need not be concerned about the privacy of your personal information. For each visitor to West Suburban Bank's website, our web server automatically recognizes only:
Here's what we do with information volunteered by you as a consumer and visitor to www.westsuburbanbank.com, such as survey information or information requests:
West Suburban Bank Privacy PolicyWe recognize the importance you place on your privacy and the confidentiality of your financial information. We think it's important for you - as a West Suburban Bank customer - to be informed of the policies we have in place to safeguard your privacy:
You can view our Privacy Statement by clicking on this link. Here are answers to common questions you may have: Our Information About YouQ.Inside West Suburban Bank, how do you control information about my accounts?A.We restrict access to your personal information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to protect your personal information.Q.Why do you have information about me?A.We collect only the information necessary to deliver quality products and services to our customers.In some cases, laws governing financial institutions require us to gather information. For example, federal regulations require that we obtain a Social Security number or Tax Identification number for many types of accounts. We use information about you only in accordance with the principles set out in this Privacy Policy. Q.What can I do if I discover that information West Suburban Bank has is inaccurate?A.Every effort is made to ensure that our records of your information are complete and correct. If you notice an error on your statement or in any other communication from us, please contact us by contacting your West Suburban Bank Branch, calling (630) 652-2000 or by . We want to correct any inaccuracies right away.Children's PrivacyProtecting the privacy of your children is essential. For that reason, our website is not structured to attract children under the age of 13. Parental consent is required for children under 13 to provide personally identifiable information via our website.Credit Report Information About YouQ.Do you use information from consumer credit reports provided from outside the bank?A.Yes. It's standard banking industry practice to obtain information from reputable credit information reporting agencies. When we do so, you are protected both by our own internal Privacy Policy and by the Fair Credit Reporting Act, a federal law.We will notify you if we decline any application made by you and if we used a consumer credit report during the processing of your application. We may also use credit reports for the purpose of prescreening prospects for banking products and services. Federal law requires us to notify you whenever such reports have been used to solicit your business. You may request that credit reporting agencies remove your name from lists supplied to us for transactions you do not initiate. Q.Does West Suburban Bank provide credit information to these credit reporting agencies?A.Consistent with the practice of financial institutions and other businesses, we share certain information about our customers with reputable credit reporting agencies, so creditors can verify the existence and condition of customers' accounts.Q.What exactly is on these credit reports?A.Your credit report includes personal and financial information such as your payment history for credit cards, mortgages or loans, and credit card account balances. If you don't make your payments on time or miss a payment, your credit report will show that, even if you catch up on your payments later. Late payments and other "negative" information can remain on your credit report for up to 7 years; bankruptcies, for up to 10 years.By law, an individual's credit report can be given to insurance companies, banks and others when needed to transact business with you. There are many uses for credit reports. For instance, those who make loans such as West Suburban Bank, may refer to the reports to verify the credit-worthiness of borrowers. To examine the status of your credit report:
The bureau must investigate the disputed entry and correct it if it is erroneous. It's a good idea to let each of the major bureaus know if you find a problem in one report. For a fee, each of the three national credit bureaus will supply you with a copy of your report. However, if you have been denied credit within the past 60 days because of information in your credit report, you are entitled to a free copy of that report. Here is contact information on three of the larger national credit bureaus:
If you think you have been the victim of identity theft, then a call to any of the credit bureaus will notify the other two bureaus. In addition to the notification, the bureaus will send you a copy of your credit report at no cost, post a security alert on your credit file and remove your name from any preapproved offers for the next two years. The phone numbers for contact in the case of identity theft are:
For more information about identify theft, visit the website of the Federal Trade Commission. Use of Information About You Outside West Suburban BankQ.Do you give information about customers to the government?A.We only disclose customer information to the government when we are required to do so by laws and regulations, or when we are served with a subpoena or court order.Q.What happens if I'm involved in a lawsuit and bank records are subpoenaed?A.If you are involved in a lawsuit, we will only disclose information about you or your accounts to third-party litigants when we are required to do so during a court proceeding.Q.Do you give information about me to anyone else outside West Suburban Bank's family of companies?A.Our policy is not to share specific personal customer information with independent companies for any purpose not connected with financial products and services.Specific customer information may be shared with vendors we hire to provide operational support, such as computer processing. In addition, we may share information with companies that participate with us in supplying high-quality financial products and services to customers. However, we hold all such parties to the same or higher standards as we do ourselves regarding the privacy of your information. As an added safeguard, we also require them to allow us to audit them for compliance in this regard. Q.What about websites that you link to?A.Our website may contain links to other sites. Please be aware that West Suburban Bank is not responsible for the privacy practices of such other sites, and this Privacy Statement does not apply to such sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information.Protecting Yourself From FraudQ.How can I prevent financial information about me from being used fraudulently?A.Here are some suggestions:
SolicitationsQ.I get too many solicitations from all over the country. Is there anything I can do about it?A.Although many people appreciate the offers they receive, some consumers clearly feel that they get too many. While it's impossible to entirely control who directs mail offers to you, you can take steps to reduce unwanted offers, safeguard your privacy, and sit in the information driver's seat.If you wish to have your name removed from other mailing, telephone and e-mail lists, send a written "do not mail" request with your name, address and Social Security number to: Mail Preference Service c/o Direct Marketing Association P.O. Box 9008 Farmingdale, NY 11735-9008 Telephone Preference Service c/o Direct Marketing Association P.O. Box 9014 Farmingdale, NY 11735-9014 Email Preference Service http://www.e-mps.org The Direct Marketing Association will alert its member companies of your wishes. But bear in mind, the DMA informs only its members. Non-members won't be aware of your request. The three major credit reporting agencies have also initiated an opt-out phone number to stop credit solicitations. The number is 1-888-5OPT-OUT (1-888-567-8688). February, 2007 These principles are applicable to the banking business of West Suburban Bank and its affiliates.
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