Privacy Notice
PRIVACY DISCLOSURE
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

FACTS	WHAT DOES REGAL BANK & TRUST 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 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 Regal Bank & Trust chooses to share; and whether you can limit this sharing

Reasons we can share your personal information			Does Regal Bank & Trust 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 our 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			No	We don't share
For our affiliates' everyday business purposes- information about your creditworthiness			No	We don't share
For nonaffiliates to market to you			No	We don't share

Questions? 800-407-9699 or go to www.regalbank.com

Website Privacy

On our Website, we do not collect any personal information from you unless you tell us by completion of an application for services.

As a general policy, we do not automatically collect personal information from our Website visitors. We do collect and store information on the domain used to access our Website, the Internet address of the Website from which a visitor links to our Website, and the date and time of the visit to our Website. This information is used only to measure the number of visitors to our Website and the route a visitor travels while within our Website to better serve visitors in improved design and site navigation.

Regal Bank & Trust's website pages may contain links or references to other websites. Please be aware that we do not control the content of other websites. Regal Bank & Trust is not responsible for the availability, content, views or privacy policies of these websites. We encourage you to read the privacy policy of every website you visit.

E-mail Communication

We may use personal information you transmit to us to respond to inquiries for service or information, or to improve the service we provide. Since e-mail communication may not be secure against interception by unauthorized individuals, you may want to seek alternatives to e-mail when it is necessary to provide sensitive or personal information. We will not transmit sensitive or personal information that can compromise or violate your privacy when communicating via e-mail.