FACTS		WHAT DOES GOLDEN BANK, N.A. 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 other identification information
		• Account balances
		• Payment and transaction history
		• Credit history and credit scores
		• Income and assets
		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 Golden Bank, N.A. chooses to share; and
		whether you can limit this sharing.
Reasons we can share your personal information					Does Golden Bank, N.A. 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 -					No		We don't share
information about your transactions and experiences
For our affiliates' everyday business purposes -					No		We don't share
information about your creditworthiness
For our affiliates to market to you					No		We don't share
For nonaffiliates to market to you					No		We don't share
Question?		Please Call 713-777-3838 for questions.
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Who we are
Who is providing this notice?				Golden Bank, N.A.
What we do
How does Golden Bank, N.A.				To protect your personal information from unauthorized access
protect my personal information?				and use, we use security measures that comply with federal law.
				These measures include computer safeguards and secured files
				and buildings.
				We use physical, electronic and procedural safeguards to help
				prevent unauthorized access to customer information, and periodically
				test and update our safeguards.  We train and regularly educate our
				employees about the importance of maintaining the confidentiality of
				customer information and the proper handling of customer information.
How does Golden Bank, N.A.				We collect your personal information, for example, when you
collect my personal information?				• open an account or deposit money
				• pay your bills or apply for a loan
				• use your debit card
				We also collect your personal information from others, such as credit
				bureaus, affiliates, 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 nonaffiliates to market to you
				State laws and individual companies may give you additional rights to
				limit sharing.
Definitions
Affiliates				Companies related by common ownership or control.  They can be
				financial and nonfinancial companies.
				Golden Bank has no affiliates.
Nonaffiliates				Companies not related by common ownership or control.  They can be
				financial and nonfinancial companies.
				Golden Bank does not share with nonaffiliates.
Joint marketing				A formal agreement between nonaffiliated financial companies that
				together market financial products or services to you.
				Golden Bank has no such agreement.