The BNCCORP, Inc (BNC) family of financial service providers, which includes BNC National Bank, knows the basis of each customer relationship is trust. You have chosen to do business with BNC and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

Recognition of Customer’s Expectation of Privacy
At BNC, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. Thus, the safekeeping of customer information is a priority for BNC.

Collection and Disclosure of Information
We collect, retain, and use information about you only where we reasonably believe it will help administer our business or provide products, services, and other opportunities to you. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;

• Information about your transactions with us, our affiliates, or others; and

• Information we receive from a consumer reporting agency.

We may disclose all of the information that we collect, as disclosed above, to companies that are affiliated with us. This internal sharing allows us to provide you with opportunities to obtain a wide variety of products and services from us.   If you prefer that we don’t share nonpublic personal and credit-related information about you with the companies affiliated with us, you may choose to opt out.   If you wish to exercise this right, please click on the Opt Out Form link above.  You can complete the Opt Out Form and choose submit or email your request to us at web@bncbank.com.  If you do not have internet access you may call 1-800-BNC-BANK (1-800-262-2265).  Your choice to opt-out will be considered effective until it is revoked in writing.  In accordance with the Fair Credit Reporting Act, we may share identifying information and information about your transactions and experiences within the BNC family whether or not you have opted out.  For joint consumer accounts, any one of the joint account holders may exercise this right. 

If you are a joint account holder and you exercise this right, your decision will also apply to others with whom you jointly hold accounts.

We also may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

• Information we receive from you on applications or other forms such as your name, address, and Social Security number;

• Information about your transactions with us, our affiliates, or others, such as your account balance, credit card usage, and payment history; and

• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

These companies and contractors are subject to confidentiality provisions and restrictions that prohibit using information beyond the performance of the specified services on our behalf.

We do not disclose any nonpublic personal information about our customers or former customers to nonaffiliated third parties unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure otherwise is lawfully permitted or required.

Maintenance of Accurate Information
We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Confidentiality and Security
At BNC, employee access to nonpublic personal information is limited to those employees with a need to know such information to provide products and/or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all BNC employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

Maintaining Customer Privacy in Business Relationships with Third Parties
When BNC conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

Providing Privacy Information to Customers and Responding to Inquiries
At BNC, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how BNC protects your confidential information, please call BNC at 1-800-262-2265 or e-mail us at web@bncbank.com.

 

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