F A C T S

WHAT DO FIRST ELECTRONIC BANK (“FIRST ELECTRONIC”) AND HC PROCESSING CENTER (“HC PROCESSING”) 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, account transactions and payment history

§   credit history

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 First Electronic and HC Processing choose to share; and whether you can limit this sharing.

Reasons we can share your personal information

Do First Electronic and HC Processing 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

No

We don’t share

 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 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 1-877-486-3442

Who we are

Who is providing this notice?

First Electronic Bank (“First Electronic”) and Dent-A-Med, Inc. d/b/a HC Processing Center (“HC Processing”)

What we do

How do First Electronic and HC Processing 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 do First Electronic and HC Processing collect my personal information?

We collect your personal information, for example, when you

§   apply for a loan or open an account

§   give us your contact information or pay your bills

§   use your credit 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.

§   First Electronic and HC Processing do not share, except as permitted by applicable law, with their affiliates.

Nonaffiliates

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

§   First Electronic and HC Processing do not share, except as permitted by applicable law, with their nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

§   First Electronic and HC Processing do not jointly market.