Privacy Policy

WEST SUBURBAN BANK VISA® PRIVACY STATEMENT

At West Suburban Bank, we do everything we can to protect the privacy of consumers and customers (past and present) including those who visit our website. We value your time and your interest in our organization. We place a high priority on ensuring the security and privacy of data pertaining to each consumer. West Suburban Bank is aware that you may have entrusted us with your financial information and accounts, and may also have shared personal information with us.

We have created our Privacy Statement to communicate our privacy commitment to you and to serve your privacy needs.

Collection and Use of Information
We may collect personal information about you from the following sources:

Any information we receive from you on applications or other forms whether in writing, in person, by telephone or by electronic means. This information may include your name, address, employment information, income and credit references;
Any information about your transactions with us, our affiliates (members of the West Suburban Bank family) or others. This information may include your account balances, payment history and account usage;
Any information we receive from a consumer reporting agency. This may include account information and information about your creditworthiness; and
Any information we receive from other public sources. This may include real estate records and telephone numbers.

In the future we may use your email address to send certain required regulatory disclosures, but only if you have previously agreed to accept online disclosures. We may also send emails to market our financial products and services that may be of interest you. In addition, we may also provide you an opportunity to subscribe to a newsletter; however, we will always provide you an opportunity to opt-out of electronic disclosures and newsletters. We will not share this information with any outside parties.

We collect general non-personally identifiable information that is generated electronically when you visit our website. This information is collected for administrative, statistical, and security purposes so that we may provide services to you. We use a "cookie" to collect some of this general information on all Website visitors. The information collected electronically and through this cookie includes the following:

The Internet address (referral site) which brought you to our web site;
The date and time you access our site;
The name and version of your web browser;
The Internet service provider you used when you accessed our site;
Your Internet Protocol (IP) address; and
The pages visited in our Portal.

Additional information about IP addresses and cookies are provided below.

Internet Protocol (IP) Addresses
An IP address is a number that is assigned to your computer whenever you're on the Internet. Web servers, the computers that "serve up" Web pages, automatically identify your computer by its IP address.

When collecting information we do not link IP addresses to anything personally identifiable, which means that a user's session will be logged, but the user remains anonymous. We may use IP address information about you from your computer to audit the use of our site. We can and will use IP addresses to identify a user when necessary for security purposes.

What is a Cookie?
A cookie is a very small text file sent by a web server and stored on your hard drive, your computer's memory, or in your browser so that it can be read back later. Cookies cannot "read" information about you from your computer or be used to "steal" information about you; and cookies don't carry viruses. Cookies are a basic way for a server to identify you (most cookies actually identify the computer you happen to be using at the time, not you personally). Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function when you engage in secure Internet banking. For your security, we do not store any of your personal information in these cookies.

In addition to the Web Trend cookie, we use other cookies simply to facilitate use of this site. For your security, we do not store any of your personal information in these cookies, which are further described below.

Sharing of Information
We do not share your personal information, as described above, with any third parties (other than as permitted by law, regulation or certain contractual obligations) except with companies that perform marketing services on our behalf and with other financial institutions with whom we have joint marketing agreements, so you should not receive information from another company as a result of providing information to West Suburban Bank. You may receive periodic mailings from us with information on products, services, affiliate offerings or upcoming events.

Confidentiality and Accuracy of Consumer Information
When we share information with third parties, we hold all such parties to the same or higher standards as we do ourselves regarding the privacy of your information. As an added safeguard, we also require them to allow us to audit them for compliance in this regard.

We collect only the information necessary to deliver quality products and services to our customers. This financial institution has developed strict policies and procedures to safeguard your personal information. We restrict access to your personal information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to protect your personal information. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

Every effort is made to ensure that our records of your information are complete and correct. If you notice an error on your statement or in any other communication from us, please contact us at the number listed on your account materials as soon as possible.

Amendments and Changes
The policies and practices described in this disclosure are subject to change, but we will communicate any significant changes to you as required by applicable law.

Our Website
When you visit the website that we maintain for our stored value cards we want you to feel secure that we are respecting your privacy. The only private information we have about you is the information you choose to give us (such as by activating or updating a card or by providing feedback to us or completing a form or application). We do not share your personal information with any third parties (other than as permitted by law, regulation or certain contractual obligations) except with companies that perform marketing services on our behalf and with other financial institutions with whom we have joint marketing agreements.

We are not responsible for the collection and use of information by companies or organizations outside of West Suburban Bank that may be linked to our website.

E-Mail
Generally, any e-mail that you send to us, and our responses, are not sent in a secure manner.

Children’s Privacy
Protecting the privacy of your children is essential. For that reason, our website is not structured to attract children under the age of 13. Parental consent is required for children under 13 to provide personally identifiable information via our website.

How to Contact Us
If you would like additional information, or if you have questions regarding West Suburban Bank’s Prepaid Card Privacy Statement, please write to us at 711 S. Westmore Ave., Lombard, IL 60148, Attn: Prepaid Privacy Statement.