FACTS	WHAT DOES CENLAR FSB 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 payment history credit history and credit scores

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 Cenlar FSB chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Cenlar FSB share?	Can you limit this sharing?
For our everyday business purposes– such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes- to offer products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes- information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes- information about your creditworthiness	No	We do not share
For our affiliates to market to you	No	We do not share
For non-affiliates to market to you	Yes	Yes

To limit our sharing	Mail the form below to: Cenlar FSB PO Box 77419 Ewing, NJ 08628 Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?	Call: 1-800-223-6527

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Mail-in Form
If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below. Apply my choices only to me	Mark any/all you want to limit: Do not share information about my creditworthiness with your affiliates for their everyday business purposes. Do not allow your affiliates to use my personal information to market to me. Do not share my personal information with non-affiliates to market their products and services to me.
	Name	Mail to: Cenlar FSB PO Box 77419 Ewing, NJ 08628
	Address
	City, State, Zip
	Account #

Who are we
Who is providing this notice?	Cenlar FSB

What we do
How does Cenlar FSB 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 Cenlar FSB collect my personal information?	We collect your personal information, for example, when you pay on your loan use your credit or debit card modify your loan We also collect your personal information from 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 State laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state law.)
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Our affiliates include companies with a common corporate identity of Cenlar FSB; financial companies such as Cenlar Capital Corporation; and non-financial companies such as Cenlar Insurance Group, Cenlar Management Corporation, and Cenlar Agency, Inc.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

Our non-affiliates can include mortgage companies, banks, credit unions, mortgage brokers, and mortgage loan originators.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partners include companies such as financial services companies.

Other important information

Special Notice for California Residents

In order to comply with California law, the following applies if your account has a California mailing address:

Even if you do not check the third box listed on the opt out form, we will not share information that we have about you with non-affiliates, unless permitted by law.

We will not share information about you within, or with financial companies outside, our family of companies, unless we first provide you with further privacy choices or unless otherwise permitted by law.

Special Notice for Vermont Residents

In order to comply with Vermont law, we will automatically treat accounts with Vermont mailing addresses as if you have made all of the privacy choices listed on the opt out form. In addition, if we disclose information about you to other financial institutions with which we have joint marketing agreements, we will only disclose your name, contact information, and information about your transactions.