Privacy Policy

Rev. 02/2024

Empire State Bank takes its clients’ financial privacy very seriously. Empire State Bank is committed to protecting the privacy of its customers and potential customers. We are committed to safeguarding your account, transaction, and nonpublic personal information. Such information is considered confidential. If you terminate your relationship with Empire State Bank your information will still be kept confidential. This Privacy Statement describes how we collect and use your personal information and how we maintain the confidentiality and accuracy of such information.

Facts	WHAT DOES EMPIRE STATE BANK 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 account balances
credit history and transaction or loss history
payment history and wire transfer instructions

Please Note: When you are no longer a 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, list the reasons financial companies can share their customers’ personal information; the reasons Empire State Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Empire State Bank 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 to report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	No	We don’t share
For joint marketing with other financial companies	No	We don’t share
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 our affiliates to market to you	No	We don't share
For non-affiliates to market to you	No	We don't share

Questions?	Call: (866) 646-0003

Who we are
Who is providing this notice?	Empire State Bank

What we do

How does Empire State Bank 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 Empire State Bank collect my personal information?

We collect your personal information, for example, when you

Open an account or apply for a loan
Deposit money or pay your bills online
Use your credit or debit card

Please Note: 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.

Please Note: State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates

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

Empire State Bank has no affiliates

Non-affiliates

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

Empire State Bank does not share with nonaffiliates so they can market to you

Joint Marketing

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

our joint marketing partners may include credit card, investment, insurance or other financial companies

OTHER IMPORTANT INFORMATION:
Federal law establishes privacy standards and requires Empire State Bank to provide our privacy notice to customers each year. If you have any questions about our privacy practices you may write us at Empire State Bank, 1441 Hylan Boulevard, Staten Island, NY 10306.