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Privacy Notice

Rev. January 1st, 2013.
FACTS WHAT DOES ALMA 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 income
• Account balances and credit history
• Assets and account transactions

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 Alma Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Alma Bank
share?
Can you limit
this sharing?
For our everyday business purposes – Yes No
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.
For our marketing purposes - Yes No
to offer our products and services to you
For joint marketing with other financial companies. No We Don’t Share
For our affiliates’ everyday business purposes –
information about your transactions and experiences.
No We Don’t Share
For our affiliates' everyday business purposes -
information about your creditworthiness
No We Don’t Share
For our affiliates to market to you No We Don’t Share
For nonaffiliates to market to you No We Don’t Share
Questions? Call (718) 267-2562 or go to www.almabank.com
Who we are
Who is providing this notice? Alma Bank, Member FDIC
What we do
How does Alma 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 Alma Bank collect my personal information? We collect your personal information, for example, when you
• open an account or give us your contact information
• provide account information or deposit money
• Pay your bills or apply for a loan
• Use your credit card or ATM debit card
We also collect your personal information from others, such as credit bureaus, or other companies.
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 non-affiliates to market to you
Definition
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
• Alma Bank does not have any affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates can include companies that provide services necessary to effect, administer, or enforce a transaction that you request or authorize; credit bureaus; law enforcement officers and government agencies and courts; and marketing firms.
• Alma Bank does not share with non-affiliates, except as allowed by law.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
• Alma Bank does not jointly market.