Commerce National Bank (hereafter referred to as “CNB”) has adopted the following Privacy Policy. It is designed to protect the information that you have entrusted with us. At CNB, we put our customers first and take pride in offering our customers financial services that meet their individual needs. We appreciate the trust our customers have in CNB, and place the highest priority on our customers’ privacy. As a CNB customer, you can count on responsible treatment of any personal information you share with us. We recognize and respect our responsibility to protect you, our customer, from unauthorized use of your private information.

Definitions

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. 

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. 

A nonaffiliated third party is a company that is not an affiliate of ours.

CNB

We believe the confidentiality and protection of customer information is one of our fundamental responsibilities. Therefore, all employees of CNB are governed by a strict code of conduct, which includes the importance of our customers’ rights and expectations of privacy. Only employees with a “need to know” and parties that have a legal right are authorized to have access to the information. Our employees are educated as to the importance of this issue, and stern measures are used to enforce it. CNB has security practices and procedures in place to ensure the confidentiality of the information in accordance with its policy.

Collection of Information

Information used by CNB is collected from:

• Applications and other forms that you provide to us (nonpublic personal information such as your name, address, Social Security number, assets, income and investment objectives);
• Transactions you’ve conducted (information such as your account balance, payment history, parties to transactions and credit card usage);
• Nonaffiliated companies, external to CNB, on transactions you’ve conducted (information such as your account balance, payment history, parties to transactions and credit card usage);
• Credit reporting agencies and demographic data companies (information such as your creditworthiness, credit history, and demographic information);
• Public sources such as federal, state, or local records, (information such as mortgage and other lien information).

We will limit the use and collection of information about our customers to that which is necessary to administer our business, to help us offer superior service, and to inform our customers of additional products and services which may be of interest.

Information to Nonaffiliated Third Parties

When we conduct business with third parties, we require them to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them. We will not disclose information to nonaffiliated third parties concerning your account with us, except:

• When such disclosure is necessary to complete the transactions;
• To verify the existence and condition of your account for a third party (such as credit bureau) as is permitted by law;
• To outside companies who perform services on our behalf, (such as Internet bill payment, check printing);
• To comply with court order or applicable laws or regulations; or
• When you give us your written permission or request us to do so.

Information to Affiliated Parties

First Merchants Corporation owns all the voting common stock of Commerce National Bank. Any company that is owned by First Merchants Corporation is an “affiliate” or an “affiliated company” of all the other companies that may be owned by First Merchants Corporation in the future. Current affiliates are: CNBC Retirements Service Inc., First Merchants Bank, First Merchants Bank-Hamilton County, First Merchants Insurance Services, Decatur Bank & Trust Co., First National Bank of Portland, First United Bank, Frances Slocum Bank, Lafayette Bank and Trust Co., Madison Community Bank, Merchants Trust Company, Randolph County Bank, and Union County National Bank.

Former Customers

If you end your relationship with CNB, we will adhere to the information policies and practices described in this policy.

Links and Internet Privacy

Occasionally, we will link our website to other Internet sites as a convenience to you, our customer. CNB will only link to sites that uphold our corporate standards; however, we are not responsible for the content of those sites, nor their policies for the collection of customer information.

When you visit our website to view any pages and read product information, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. The only information we normally collect and store is:

• The name of your Internet Service Provider,
• The website that referred you to us (if any),
• The date and time the pages were accessed, and
• The page or pages you requested.

There are instances where you may elect to provide us with personal information from one of our request forms on the Internet. This information cannot be transmitted to us via the Internet. You must print the form and either fax it, mail it, or hand deliver it to CNB. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.

Some areas of our website may use a “cookie” temporarily stored in your computer memory to allow the web server to log the pages you use within the site and to know if you have visited the site before.

Access to Your Account Information

Access to your account information using our Internet banking software is protected using a User ID and Password.

Customer Recourse

If you believe that we have incorrect information regarding you or any of your accounts, please contact us immediately by calling a Customer Service Representative at 614-583-2200, or by e-mail at customerservice@cnbcbank.com .