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Privacy
Disclosures
Site
Security


Protect your Visa card
online with a
personal password.
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FACTS
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WHAT DOES
BAYLAKE BANK DO WITH YOUR PERSONAL INFORMATION?
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Why?
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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.
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What?
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The types of personal information we collect and share depend on the product or service you
have with us. This information can include:
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• Social Security number
• Account balances
• Payment history
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• Transaction history
• Account transactions
• Checking account information
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When you have decided to no longer be our customer, we continue to share your
information as described in this notice.
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How?
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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 Baylake Bank chooses to share; and whether you can
limit this sharing.
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Reasons we can share your personal information |
Does
Baylake Bank share? |
Can you limit this sharing? |
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For our everyday business purposes
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such as to process your transactions, maintain your account(s), respond to court orders and
legal investigations, or report to credit bureaus
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Yes |
No
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For our marketing purposes
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to offer our products and services to you
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Yes |
No
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For joint marketing with other financial companies
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Yes |
No
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For our affiliates' everyday business purposes
- information about your transactions and experiences
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No |
We
don't share
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For our affiliates' everyday business purposes
- information about your
creditworthiness
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No |
We
don't share
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For nonaffiliates to market to you
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No |
We
don't share
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Questions?
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Call
toll-free 1-800-267-3610 or go to www.baylake.com
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What We Do
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How does
Baylake Bank protect my personal
information?
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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.
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How does Baylake
Bank collect
my personal information?
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We collect your personal information, for example, when you
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• Open an account
• Apply for a loan
• Make deposits or withdrawals from
your account
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• Provide account information
• Give us your contact information
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We also collect your personal information from others,
such as credit bureaus, affiliates,
or other companies.
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Why can't I limit all sharing?
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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.
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Definitions
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Affiliates
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Companies related by common ownership or control. They can be financial and
non-financial companies.
• Baylake Bank does not share with our affiliates.
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Nonaffiliates
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Companies not related by common ownership or control. They can be financial
and non-financial companies.
• Baylake Bank does not share with nonaffiliates so they can market to you.
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Joint Marketing
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A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
• Our joint marketing partners include credit card companies and
securities
brokers-dealers
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Privacy Model Disclosure
VMP® Bankers Systems™
Wolters Kluwer Financial Services © 2010 | | PRIV-MODEL 8/1/2010 | 2010.3/2344 2611866-010
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BAYLAKE BANK’S INTERNET PRIVACY PRACTICES
At Baylake Bank, we recognize that the privacy and security of
personal financial information are an important concern to our customers. Your
privacy is considered in all aspects of our business. Our employees are trained
about their responsibility to protect confidential customer information. We have
taken care to establish detailed practices and procedures to protect your
nonpublic personal information.
Baylake Bank receives and retains information about its customers through many
sources. However, we carefully limit the collection and use of this information
solely to maintain and deliver our banking products and services and offer new
products and services that may be of benefit to our customers. Baylake Bank is
committed to protect the confidentiality of customer information by fully
complying with all federal and state laws and regulations, such as the Fair
Credit Reporting Act and the Right to Financial Privacy Act.
Confidentiality of eBanc information. In connection with your use of eBanc,
Baylake Bank continues to monitor and review the privacy measures that it has in
place to protect your customer information. Baylake Bank has implemented
procedures that are designed to protect your nonpublic personal information as
carefully as possible. These measures will continue to be updated to keep pace
with new technology and additional products and services offered to our
customers.
Privacy concerns about children. In order to protect the privacy of children, we
will not knowingly solicit any on-line information from children and will not
market to children over our eBanc website. We recognize that protecting
children’s identities and privacy online is important and that the
responsibility for doing so rests with our industry as well as with parents.
Concerns about your privacy. We use the same standards of care for your Internet
activity as we do for your transactions with us made in person or through other
forms of communication. If you have questions at any time about the privacy of
your personal and account information, we urge you to
contact us now or
during any banking business day by calling us at 920-743-5551. We will answer
your questions and take any actions necessary to assist you in maintaining the
confidentiality of your personal and account information related to your use of
eBanc.
User ID and password. Baylake Bank has established a User ID and password to
assure the privacy of all of the information available to you at eBanc. Your
password is solely for your personal use and prevents others from having access
to your personal and confidential information available to you on this site. We
also allow you to change your password at any time and encourage you to
periodically change your password in order to help ensure the privacy of all
information available on this site.
Baylake Bank Security Policy. The security of our Baylake Bank eBanc Internet
site is handled in several ways. First, we control the security of our customer
information as it is sent from the customer's PC to the Web server and then to
our bank. Second, we protect the security of the environment of our Internet
banking server and customer information database. Third, we implement special
security measures to prevent unauthorized users from attempting to access
customer information through the online banking section of our eBanc Web site.
Please review our
Security Policy for detailed
information about our security procedures.
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