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security bank and trust company

The American Security Bank was founded in in Alexandria, Virginia, as a banking and trust firm, with an additional branch in DC. Check your balance hours a day, seven days a week, pay bills, or transfer funds you have control. Sign In. Message from the president. At First Security Bank. Security Bank and Trust Company provide financial services such as personal and business deposit and lending services and tools. It was formed in Paris.

Security bank and trust company -

By Ivan Raconteur
Editor

WINSTED, MN &#; Security Bank & Trust Co. will acquire the First Street North office of Flagship Bank Winsted Friday, April 19, according to a letter to Flagship Bank shareholders and creditors from Security Bank & Trust Co. CEO-President Gale Hoese.

As a result of the transaction, accounts at Flagship Bank Winsted will automatically become accounts of Security Bank & Trust Co.

Security Bank & Trust Co. will become the new custodian of Flagship Bank Winsted individual retirement accounts (IRAs).

Flagship Bank Winsted customers will be able to continue to use their current supply of checks for one year. Checks reordered through the bank will automatically be changed to identify Security Bank & Trust Co., although account numbers will not change.

Lobby hours at the Winsted location will continue to be a.m. to p.m. Monday through Thursday, and a.m. to p.m. Friday.

The drive-up location will be open 8 a.m. to p.m. Monday through Friday, and 8 a.m. through p.m. Saturday.

Customers who use online banking may log on to businesstool.us and sign up for Security Bank’s online banking, Bill Pay, and eStatements. Account balances will upload to the new online accounts after the merger.

Customers who use telephone banking may contact the Winsted bank office to fill out a new telephone banking enrollment form.

“Security Bank & Trust is a family-owned community bank,” Hoese noted. “Our current offices are in Glencoe, Brownton, Plato, and New Auburn. Our goal is to continue to provide quality financial products to the residents in Winsted and the surrounding area.”

Источник: businesstool.us

Security Bank & Trust Co. v. Bogard

N.E.2d ()

SECURITY BANK & TRUST CO., Appellant (Plaintiff-Counter-Defendant), v. Francis H. BOGARD, Appellee (Defendant-Counter-Plaintiff).

No. A

Court of Appeals of Indiana, Fourth District.

June 30,

H. Brent Stuckey, Hart, Bell Deem, Ewing & Stuckey, Vincennes, for appellant.

Dennis R. Majewski, Terre Haute, for appellee.

MILLER, Judge.

Security Bank & Trust Co. sued Francis Bogard because he was in default on seven promissory notes. Bogard counterclaimed, alleging Security caused the default because it agreed to a loan for his farming operations and then refused to lend him any money. The trial court granted judgment to Security on the defaulted notes and to Bogard on his counterclaim for damages. Security appeals, challenging the trial court's conclusion that it was liable to Bogard either for breach of contract or under the doctrine of promissory estoppel.

We reverse.

FACTS

Security is a banking institution with its principal place of business in Vincennes, Indiana and a branch in Oaktown, Indiana. Bogard, a farmer in Sullivan County, had * done business with Security since In the spring of each crop season, Bogard established a line of credit at Security which would advance money to Bogard for the payment of production expenses. Although repayment was to be made at harvest time, the notes were carried over many of the years because Bogard was unable to repay them.

Bogard's loans did not require approval by the loan committee of the bank for the first twenty or twenty-five years of their banking relationship. For the last eight or nine years, however, Bogard was aware his credit lines had to be approved by a loan committee in Vincennes at the main branch. Nevertheless, Bogard claimed that the previous Oaktown branch manager, Bruce Mayall, told him the loan committee acted upon his recommendation so that Bogard concluded the loan committee approval was simply a formality.

and were two years of losses for Bogard. In , Bogard was unable to pay his indebtedness for the year plus his carryover from the losses. At the conclusion of the crop season, Bogard continued to owe Security in excess of $28,

Bogard began negotiating with Michael Chestnut, the Oaktown Security branch manager, in January of to obtain financing for the crop year. Chestnut informed Bogard that Security would need additional collateral to secure the past indebtedness and the credit line because of the carryover losses from and In March, Chestnut and Bogard began discussing the possibility of real estate as a collateral for the loan. The two discussed the possibility of a mortgage on twenty-five acres of Bogard's farm land or his house and four acres. After the bank assistant took pictures of the property, Chestnut suggested a value of $1, per acre on the 25 acres of farm land for the security on the loan. In Bogard's words, Chestnut said, "Well, I'll take this to the loan committee and within two or three days, we ought to have something here, ready for you to go with." Record, pp.

Chestnut later informed Bogard that the loan committee turned down the twenty-five acres as insufficient security. He informed Bogard that Security wanted the additional security of a first mortgage on the house and four acres, a second mortgage on the remainder of his farm, and a first mortgage on his crops and equipment. Bogard was unwilling to comply with these terms.

Meanwhile, Bogard attempted to secure financing elsewhere. The FHA turned him down because he was not the sole operator of his own farm. He was also rejected by First National Bank of Terre Haute because he had three consecutive losses in his farming operations.

On July 15, , Security sued Bogard because he was in default on seven different promissory notes totalling $29, Bogard counterclaimed, alleging Security agreed to extend him credit so that he could carry on his farming operations. He claimed that as a result of Security's failure to fulfill the promise, he was damaged as a result, including his failure to pay the defaulted notes. To support his claim of damages, Bogard testified that based on Security's representation, he had arranged to rent two hundred and fifty acres of soybean land, forty acres of additional watermelon ground, and equipment, all of which fell through due to lack of financing. He later admitted, however, that the reason he did not obtain the two hundred and fifty acres of soybean land was that the owner had previously rented the land for a two year period to another tenant the year before.

The trial court entered judgment for Security on its claim and Bogard on his counterclaim, and entered the following findings of fact and conclusions of law:

"FINDINGS OF FACT 1. That Plaintiff/bank and Defendant/counterplaintiff/Bogard had engaged in a course of doing business since * 2. That such business consisted of the bank loaning Bogard money to operate his farm in the coming year. 3. That from year to year Bogard paid his notes one year late, paying only current interest and then the principal the following year from that year's farm income. 4. That the parties had continued this practice for a number of years, perhaps as long as 35 years. 5. That by the admission of the bank's loan officer, Mike Chestnut, Bogard had been a "good customer". 6. That plaintiff had agreed to extend credit to Bogard for the farming year 7. That in , without notice to Bogard, the bank decided not to extend said credit citing a change in bank policy as the reason. 8. That in disregard of prior practice and the regular course of business the plaintiff decided to enforce the terms of the notes as written. 9. That under the strict terms of the notes Bogard was in default. That as a result of plaintiff's denial of credit for the farming year , Bogard was unable to plant crops to make income and thus was unable to make any payments on the notes. That as a result of the denial of credit for the year , Bogard lost projected profits from the sale of soybeans, grain and watermelons. That Bogard, in reliance of the promise of plaintiff, to extend credit and in reliance of his prior course of doing business with plaintiff entered into contracts and agreements with third parites [sic] to his detriment and damage. CONCLUSIONS OF LAW 1. That plaintiff caused in whole or part defendant's breach on the notes. 2. By their actions over a large numger [sic] of years, and by oral modification, the parties modified the terms of the notes sued upon so that any party seeking a change could not do so unilaterally. 3. Strict performance of the terms of the notes was waived by plaintiff because their acts showed a relinquishment of several provisions of the notes. JUDGMENT It is hereby ordered that Defendant is in default on the notes sued upon and that Plaintiff shall have judgment as prayed. It is further ordered that Defendant/counterclaimant have judgment on his counterclaim due to Plaintiff/counterdefendant bank's breach of contract. Counterplaintiff has shown extensive damages, and the Court grants counterplaintiff judgment thereon, however, in the interests of justice and based upon the vicissitudes and speculative nature of farming income the Court grants judgment to counterplaintiff only to the extent that those damages offset the damages of Plaintiff. The Court thus finds both judgments are satisfied. Costs to Plaintiff."

Record, pp. [1]

Security appeals, challenging the sufficiency of the evidence in four areas of the trial court's findings and conclusions:

(1) That Security entered into a binding contract to extend Bogard credit for the crop year;

(2) That Security is liable on the basis of promissory estoppel;

* (3) That Chestnut, the branch manager, had apparent authority to bind Security to provide the line of credit for the crop year; and

(4) That Bogard's damages equaled the amount he owed Security on the defaulted notes.

We reach no consideration on the issue of Chestnut's apparent authority or the court's novel and innovative computation of Bogard's alleged damages because we find Security is not liable under the theory of breach of contract or of promissory estoppel.

DECISION

The crux of Security's first two issues whether there was a breach of contract or promissory estoppel centers on the trial court's findings of fact 6 and 12 and conclusion of law 1: that Security agreed to extend Bogard credit for the farm year;[2] that in reliance on Security's promise to extend him credit, Bogard entered into contracts and agreements with third parties to his detriment and damage; and that Security caused in whole or in part Bogard's breach on the notes. Because Security and Bogard are unsure of the exact theory the trial court used to arrive at its conclusion that Security was liable for Bogard's damages either because Security entered into a valid contract with Bogard to extend him credit which it then breached or because it was liable upon the theory of promissory estoppel we will address both issues.

Enforceability of Contract

A fundamental concept of contract law is that a contract is unenforceable if it lacks mutuality of obligation i.e., if it fails to obligate the parties to do anything. Seco Chemicals, Inc. v. Stewart (), Ind. App. , N.E.2d The general rule is explained as follows:

"Mutuality of obligation is essential to the validity of an executory bilateral contract which is based solely on mutual promises or covenants and unless both parties are legally bound, so that each may hold the other liable for its breach, the contract lacks mutuality and neither party its bound. Thus, mutuality is absent when only one of the contracting parties is bound to perform, and the other party remains entirely free to choose whether or not to perform, and the rights of the parties exist at the option of one only."

17 C.J.S. Contracts § (1)().

Here, Bogard was not legally bound to borrow the money from Security. In fact, Bogard testified he unsuccessfully attempted to seek financing elsewhere in lieu of obtaining a loan from Security. Because Bogard had no obligation to obtain his financing from Security, any alleged contract between Security and Bogard lacked mutuality of obligation and was thus unenforceable.

Promissory Estoppel

Bogard also attempts to justify the trial court's judgment on the theory of promissory estoppel. While it is true that an otherwise unenforceable promise may be enforced under the doctrine of promissory estoppel, it is crucial to the promisee's cause that he establish the elements necessary for the doctrine to apply. Succinctly stated, the doctrine of promissory estoppel applies where there is: 1) a promise, 2) which the promissor should reasonably expect to induce action or forebearance of a definite and substantial character, 3) which does, in fact, induce such action or forebearance, and 4) injustice can only be avoided by enforcement of the promise. Tipton County Farm Bureau Co-op v. Hoover (), Ind. App., N.E.2d We need not consider the last three of these elements because Bogard's argument is fatally flawed on the first element the existence of a promise.

Although it is recognized that no special form of words is necessary to create * a promise, the mere expression of an intention is not a promise. 17 businesstool.us2d Contracts § 3 () (citing E.I. Dupont De Nemours & Co. v. Clairborne-Reno Co. (8th Cir), 64 F.2d , cert. denied, U.S. , 54 S. Ct. 64, 78 businesstool.us ). Thus, where A says, "I am going to sell my house. I want $70, for it," he has made a mere statement of intention and not a promise. L. Simpson, Contracts § 2 () (citing Farina v. Fickus (), 1 Ch. ). Moreover, a prediction, opinion, or prophecy is not a promise. Calamari & Perillo, Contracts § (). For example, when a father asked a doctor how long his son would be in the hospital and the doctor replied, "Three or four days, not over four," the doctor was not liable when the son remained in the hospital for over a month because the doctor had made a prediction and not a promise. Id. (citing Hawkins v. McGee (), 84 N.H. , A.

Here, the trial court concluded Security promised to loan Bogard money when according to Bogard's testimony Chestnut said, "Well, I'll take this to the loan committee and within two or three days, we ought to have something here, ready for you to go with." Record, pp. The first portion of this statement, however that he would take the application to the loan committee was an expression of intention. Moreover, Chestnut's statement that they ought to have something in two or three days ready for him to go with was a prediction. As we previously stated, neither a prediction nor a statement of intention is a promise.[3]

Thus, we conclude no contract existed between Security and Bogard because there was no mutuality of obligation, and Bogard was not entitled to recover under the doctrine of promissory estoppel because no promise was made by Security. Hence, the trial court's judgment for Bogard on his counterclaim must be reversed.

YOUNG, P.J., concurs in majority opinion.

CONOVER, J., dissents with opinion.

CONOVER, Judge, dissenting.

I respectfully dissent. There was substantial evidence supporting the trial court's finding of promissory estoppel in my opinion.

Bogard had been doing business with Security for 34 years. Throughout this relationship, Security apparently had cloaked its Oaktown branch managers with the authority to approve whatever loans the managers and Bogard agreed upon. The lending committee's so-called final approval was a mere "rubber stamp" formality under the apparent authority the bank bestowed upon the two branch managers with whom Bogard had dealt during that period.

Over the years, Bogard had relied upon the branch managers' claims they had the authority to make the loans he had received from time to time. Bogard never had been turned down and was, according to Security's assertions, a good customer. Based upon past practice, Bogard reasonably believed he would receive the loan he needed to prepare for his upcoming year's farming transactions because the branch manager had approved it. Nothing in the evidence can reasonably be said to put him on notice the approval procedure for this loan would be different from the bank's past practice.

Farming provided Bogard with his livelihood, Bogard's reliance was of a substantial character. Given the long standing nature of the relationship and the detriment which arose from the bank's refusal to make the loan, it is clear to me injustice * can be avoided only by enforcing the agreement. See, Citizens State Bank v. Peoples Bank (), Ind. App., N.E.2d , ; Larabee v. Booth (), Ind. App., N.E.2d , ; see also Restatement (Second) of Contracts § 90 (West ).

A general judgment will be affirmed if it can be sustained on any legal theory by evidence introduced at trial. Erie-Haven v. Tippmann Refrigeration Construction (), Ind. App., N.E.2d , Accordingly, I would affirm the trial court's finding on the basis of promissory estoppel and remand for further proceedings to determine appropriate damages.

NOTES

[1] As Security notes in its brief, conclusions of law 2 and 3 that the parties had modified the terms of the notes and that strict performance was waived by Security are irrelevant conclusions because the trial court concluded that Bogard was in default and that Security should have judgment on the notes. Moreover, Bogard does not appeal the propriety of granting Security judgment on the defaulted notes so we need not consider any apparent conflict between the trial court's conclusions and the judgment with respect to Security's claim on the defaulted notes.

[2] The findings of fact erroneously identify as the year of the dispute between Bogard and Security. The record reveals and the parties agree that is the proper year, and we will assume the trial court intended to refer to and not in its findings.

[3] Bogard also cites Tipton County Farm Bureau, supra, in support of his argument that the fact he had been involved with Security for thirty-four years and with Chestnut for eleven or twelve years establishes that Security promised to lend him money. In Tipton County, however, an oral promise was made. The length of time that the parties had conducted business was probative of another element whether the promissor should reasonably expect his promise to induce action or forebearance of a definite and substantial character and not the determination of whether there was a promise or not.

Источник: businesstool.us
  continued on pg. 14
➤ Theatre to Bow to Progress, Wheeling Intelligencer, Friday, March 6th, , pg. 20


Additional Library Resources

Wheeling Room: non-circulating materials, ask for access at the reference desk.
Vertical File: Wheeling Bank & Banking Historical

Archives & Special Collections: non-circulating materials, please make an appointment to view materials
➤ Security National Bank & Trust Company and National Bank of West Virginia collection,

Источник: businesstool.us

Security Bank

Bank in the Philippines

The Security Bank Logo businesstool.us

Trade name

PSE:&#;SECB
TypeUniversal Bank
IndustryBanking, Financial services
FoundedJune&#;18, ; 70 years ago&#;()
Headquarters

Makati

,

Philippines

Number of locations

A total network of branches and ATMs as of July

Area served

Philippines

Key people

  • Frederick Y. Dy (Chairman Emeritus)
  • Alberto S. Villarosa (Chairman)
  • Sanjiv Vohra (President and CEO)
ProductsBanking and Financial Products
Revenue
  • Increase ₱ billion ()

Operating income

  • Decrease ₱ billion ()

Net income

  • Decrease ₱ billion ()
AUM
  • Increase ₱ billion ()
Total equity
  • Increase ₱ billion ()
OwnerFrederick Dy
Websitebusinesstool.us

Security Bank Corporation (SBC) is a universal bank in the Philippines. It was established on June 18, as Security Bank and Trust Company and was the first private and Filipino-controlled bank of the post-World War II period.

Security Bank was publicly listed with the Philippine Stock Exchange in (PSE:&#;SECB). The Bank's major businesses include retail, commercial and corporate banking, and financial markets. It offers a wide range of services, including financing and leasing, foreign exchange and stock brokerage, investment banking, and asset management through its subsidiaries.

In , Security Bank embarked on a rebranding campaign called "BetterBanking" to further strengthen market appreciation of its retail banking business, which complements its wholesale banking business.[1]

In January , The Bank of Tokyo-Mitsubishi UFJ, Japan's largest bank, acquired a 20% minority stake of Security Bank for a deal worth billion pesos.[2]

As of July , Security Bank has a total network of branches and ATMs nationwide.[3]

History[edit]

Early history[edit]

Security Bank was established on June 18, , as Security Bank and Trust Company (SBTC) in Manila, Philippines. At the time, SBTC was the first privately owned, Filipino-controlled bank of the post-World War II era. The bank's head office was first located in the Don Roman Santos Building on Plaza Goiti, moving to Escolta in At the time, Security Bank was so aggressive in opening branches that at one point during the s, it had more branches in Metro Manila than any other local bank.

Beginning in the s, Security Bank started expanding outside Metro Manila as well, with the opening of its first provincial branch in Angeles City. Within the decade, the bank started a rapid expansion in the provinces. It was also in the s that Security Bank led a consortium of local and foreign companies that lent US$ 62 million to the Lopez family to fund their acquisition of Meralco, the first of its kind in Philippine banking history.

In the s, Security Bank issued its first credit card, introducing the Philippines to Diners Club (until Security Bank sold Diners Club's exclusive rights in the Philippines to its rival, BDO Unibank in ).[4] It also marked the start of the bank's trust offerings, many of which were deemed innovative, and still survive today as pre-need and common-trust plans, of which they are descended from Security Bank's offerings at the time. Towards the end of the s, the bank was granted permission to operate a foreign currency division by the Bangko Sentral ng Pilipinas. It widened its investment services portfolio in the s, even when the Philippines was thrown into a deepening political crisis. Like other major banks, the Security Bank survived.[5]

The s brought in new owners led by Frederick Y. Dy. On April 26, , the bank was issued a universal banking license by the BSP. With the issuance of its universal banking license, the legal name of Security Bank changed to the present-day Security Bank Corporation. The bank also moved to its new headquarters along Ayala Avenue in Makati. SBC's stock was also formally listed on the Philippine Stock Exchange on June 8, , with a billion-peso initial public offering.[6]

present[edit]

In , the bank partnered with Japan's largest bank The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU) to bolster its capital and enhance their global capabilities. BTMU is now the second largest shareholder of Security Bank and is now an equity affiliate of BTMU.[7] The partnership with Japan’s largest bank provided Security Bank with additional capital (Php billion from MUFG), long-term funding, and business collaboration opportunities that support the acceleration of the Bank’s long-term growth strategy including expansion of branch network and increasing penetration of the retail market.

As of December 31, , Security Bank is the 6th largest in total assets among private domestic universal banks in the country, with total assets of Php Bn; 6th largest in loans, with loan portfolio of Php Bn, and 5th largest in capital, with capital of Php Bn.[3]

Ownership[edit]

No. Stockholder's Name % to Total Common Shares
1 PCD Nominee Corporation %
2 MUFG Bank, Ltd. %
3 PCD Nominee Corporation (Non-Filipino) %
4 Frederick Y. Dy %
5 Asiasec Equities, Inc. %
6 Social Security System %
7 Asiasec&#;Equities Inc. A/C# %
8 Anastasia Y. Dy %
9 Goodwoord Resources Development Inc. %
10 SB Equities, Inc. %

See also[edit]

References[edit]

Источник: businesstool.us

Security National Bank & Trust Co.

Security National Bank & Trust Co. in Wheeling

Security Trust Co. purchased a lot located diagonally across Market Street from its circa building, at Market, in The lot, located at Market Street, was formerly the site of the State Theatre. The old theater was razed in March of to make way for a new bank building. The new bank was designed by architect A. C. Lanander of Columbus, Ohio and Trenton Construction Company of Wheeling was awarded the general contract for both the demolition of theater and construction of the new bank. Also included in the construction was a drive-through banking facility located on Chapline Street with exits on 11th Street. 

From the Wheeling Intelligencer, March 6, (See news below for link to complete article):

"The Market Street facade of the new banking building will be of marble Anodized aluminum window frames with one-inch thermopane glass will extend from the sidewalk level to the third floor level The first flood banking room will have a full-length marble-tiled lobby flanked with four savings and eight commerical tellers on the leftThe basement level will include the personal loan real estate and travel departments flanking a full length lobby The trust department vault and the safe deposit vaults will also be in the basement A semi-elliptical balcony effect with floral railing will distinguish the unusual second floor design of the new building Trust department officials and trust department clerical personnel will occupy the second floor area, with the officials located on the open balcony end."

Security Trust Co. moved to the new bank building at Market Street in May of In , Security Trust Co. merged with the National Bank of West Virginia to form the Security National Bank & Trust Co., opening at the Market Street location. 

The name of the bank was changed to Bank One, West Virginia in and the organization was acquired by JP Morgan Chase Bank in The downtown Market Street location of Chase Bank was closed on August 3, The building is currently vacant. 


Locations

➤  Market Street


Photographs

Security National Bank & Trust Co.


Newspaper Articles

➤ Security Trust to Build New Bank at State Theatre Site, Wheeling Intelligencer, Friday, March 6th, , pg. 1 

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  • Account Application information such as credit and income information
  • Identifiers such as social security number, account number(s), driver's license number (or comparable) or other information that identifies you for ordinary business purposes
  • Access Authorization such as user name, alias, PIN and passcode and security questions and answers
  • Information from your computer and mobile devices where allowed by individual browsers and/or operating systems, such as:
    • Unique device identifiers (for example Media Access Control (MAC) and Internet Protocol (IP) addresses)
    • Browser type, version, language, and display/screen settings
    • Information about how you use and interact with our Sites and Mobile Apps (for example activities on pages visited, links clicked or unique and measurable patterns such as keystrokes, mouse clicks and movements, swipes and gestures)
    • Responses to advertisements on sites and mobile apps where we advertise
    • Log information such as your search and voice to text queries in the mobile app
    • Search engine referrals
    • Geolocation information with consent (for example ATM or financial center location, california bank and trust long beach prevention)
    • Social media preference
    • Information to facilitate virtual or in-person event management (for example attendee names, dietary requirements, special assistance needs, and travel details for participants)

How We Use and Share Personal Information

How do we use your personal information?

Personal information collected from and about you online described in this Notice may be used for many purposes such as:

  • Delivering products and services to you by verifying your identity (for example when you access your account information); processing applications for products or services such as to prequalify for a mortgage, apply for a credit card, or to open a retirement account, investment account or other financial product; processing transactions; finding nearby ATMs, financial centers, and other specialized location based services near your location; and consolidating your financial account information at one online location with services such as My Portfolio® and My Financial Picture®
  • Personalizing aiden caohman vieques kennedy robert f kennedy jr digital and mobile experience by enhancing our Sites and Mobile Apps organization and design and analyze data to create relevant alerts, products or services
  • Providing advertising on our Sites and Mobile Apps as well as non-affiliated third party sites and through off-line channels like financial centers, call centers and direct marketing (for example email, mail and phone)
  • Detecting and preventing fraud, identify theft and other risks to you or Bank of America
  • Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view
  • Complying with and enforcing applicable legal requirements, industry standards, contractual obligations and our policies
  • Allowing you to use features within our Sites and Mobile Apps when you grant us access to personal information from your device such as contact lists, or geo-location when you request certain services that requires such access, for example locating an ATM
  • Providing notifications concerning events for which you've registered, providing analysis to improve our events and develop new events, determining event overall effectiveness, enhancing products and services, operating and expanding our business activities

We retain personal information for a period of time as required by laws and regulations and security bank and trust company necessary business purpose. We securely delete personal information as soon as legally permitted.

Individual health and/or sensitive information

To the extent that we receive, maintain or process an individual's health information, Bank of America may use and disclose that information as authorized by and in accordance with applicable federal and/or state law.

At the time of event registration participants may provide information that requires special accommodations. This information will be used only to the extent necessary to facilitate any special accommodations for event participation.

With whom do we share your personal information?

We may share the personal information we collect from and about you online described in this Notice (and subject to other legal restrictions and notices you may have received financial plus credit union customer service number on your relationship with us) with:

  • Affiliates and Subsidiaries of Bank of America, such as Merrill
  • Third Party Providers who have contracts with Bank of America including event vendors, organizers, volunteers, contractors, and sponsors
  • Government Agencies as required by laws and regulations

Aggregated / De-identified information

Collected personal information may be aggregated and/or de-identified (we remove any details that identify you personally). We may share this aggregated and/or de-identified information with third party providers to help deliver products, services, and content that are better tailored to the users of our online services and for our own business purposes where permissible under applicable laws and regulations.

How to limit sharing

You have choices regarding the sharing of some personal information. Where appropriate, we will limit sharing of your personal information based on your privacy choices. You can register your choices online at Set your Privacy Choices.

Online Behavioral Advertising

Personal information collected from and about you online as described in this Notice is used and shared to deliver advertising and marketing, including prescreened offers of credit, which may be of interest to you.

We present tailored ads to you:

  • On our Sites and Mobile Apps through ads that appear as you sign on or off of your online accounts
  • In off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone)
  • On third party sites and mobile apps not affiliated with Bank of America

How we tailor ads to county map of north texas with cities on our sites, mobile apps and off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone): We may use personal information about your activities on our Sites and Mobile Apps, such as pages visited and key words entered, to help determine which of our ads or offers may be of interest to you. We may use personal information about your relationship with us (such as types of accounts, transactional information or the location in which you bank) to help determine which advertisements or offers to present to you.
  • Advertising on non-affiliated third party sites and mobile apps: Bank of America contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use personal information we have collected or that you have provided to assist our non-affiliated third party sites and mobile apps to select bank ads or offers that may appeal to you, difference between chase total checking and premier checking them to you and monitor your responses. Non-affiliated third party sites and mobile apps are not subject to Bank of America Privacy Notices.
  • How you can opt out of Online Behavioral Advertising

    You have choices about how Bank of America advertises to you based on your online behavior.

    • Advertising on our Sites and Mobile Apps and off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone): If you prefer we not provide you with tailored content and advertising based on your online behavior with our Sites and Mobile Apps, you may opt out of online behavioral advertising layer. Please review the important Reminder section that follows.
    • Advertising on Non-Affiliated Third Party sites: Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third party sites, visit YourAdChoices layer powered by the Digital Advertising Alliance or through the Network Advertising Initiative's Opt-Out Tool layer. You may also visit the individual sites for additional information on their data and privacy practices and opt out-options.

    Industry standards are currently evolving and we may not separately respond to or take any action with respect to a "do not track" configuration set in your internet browser.

    Reminder

    Please note that if you opt out of this advertising:

    • You may still receive general advertising from Bank of America.
    • When accessing online account servicing areas (i.e. after sign-in), such as Online Banking, Merrill Edge or MyMerrill, you may receive tailored content and advertising based on your account relationships.
    • Financial advisors/Client Managers may continue to use personal information collected online as described in this Notice to provide details on products and services in accordance with account agreements.
    • In order for online behavioral advertising opt outs from our Sites and Mobile Apps and on other sites to work on your device, your browser must be set to accept cookies.
    • If you delete cookies, buy a new device, access our Sites and Mobile Apps or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt out again.

    Additional Information

    Third Party Data Sharing

    Some companies may offer aggregation websites and services that allow you to share your data with them in order to consolidate your account information from different sources (such as your accounts with us or with other financial institutions) so that you can view it in one location or perform actions related to your accounts using their services. To do this, a third party may request you to authorize access to your Bank of America accounts cox login pay bill providing your Bank of America username and passcode or by providing your information-sharing consent directly to Bank of America.

    • The third party may access, on your behalf, information about yourself, your Bank of America relationship, and your accounts at Bank of America.
    • You should use caution and ensure that the third party has appropriate policies and practices to protect the privacy and security of any personal information you provide or to which they are gaining access.
    • Use of your information by the third party is governed by your agreement with them, not by Bank of America.
    • We are not responsible for the use or disclosure of any personal information accessed by any company or person to whom you provide your site username free small business checking account california passcode.
    • If you share your Bank of America username, passcode or other information about your accounts with others, we will consider that you have authorized any transaction or action initiated by using the access information you provide.
    • If you decide to revoke the authority you have given to a third party, we strongly recommend that you change your Bank of America passcode to ensure that the third party cannot continue to access your account.
    • You may revoke your consent for certain third parties through the Security Center within Bank of America Online Banking.

    Social Media

    Bank of America engages with customers on social media platforms such as Facebook®, Twitter®, YouTube® and LinkedIn®.

    • Any content you post on official Bank of America managed social media pages, such as pictures, information, opinions or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms.
    • When interacting with official Bank of America social media pages, Bank of America's privacy notices, Social Media User Terms and Community Guidelines may apply.
    • Please review the privacy policy for the specific social media service you are using to better understand your rights and obligations with regard to such content.

    We may allow social share buttons on our sites that enable users to easily share information on social media platforms. The non-affiliated third parties that own these widgets may have access to information about your browsing on pages of our Sites and Mobile Apps where these widgets are placed.

    U.S. Consumer Privacy Notice

    FACTS

    WHAT DOES BANK OF AMERICA DO WITH YOUR PERSONAL INFORMATION?

    Why?

    Financial companies choose how they share your personal information. Under federal law, that means personally identifiable 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 employment information
    • account balances, transaction history and credit information
    • assets and investment experience

    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 Bank of America chooses to share; and whether you can limit this sharing.

    Reasons we can share your personal informationDoes Bank of America 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 bureausYesNo
    For our marketing purposes — with service providers we use to offer our products and services to you (please see below to limit the ways we contact you)YesNo
    For joint marketing with other financial companiesYesNo
    For our affiliates’ everyday business purposes — information about your transactions and experiencesYesNo
    For our affiliates’ everyday business purposes — information about your creditworthinessYesYes
    For nonaffiliates to market to you — for all credit card accountsYesYes
    For nonaffiliates to market to you — for accounts and services endorsed by another organization (e.g., debit card co-branded with a baseball team) “Sponsored Accounts”YesYes
    For nonaffiliates to market to you — for accounts other than credit card accounts and Sponsored Accounts, such as insurance, investments, deposit and lendingNoWe don't share

    To limit our sharing

    • Visit us online: businesstool.us
    • Call — our menu will prompt you through your choices
    • Talk to your assigned financial advisor

    Please note: If you are a new customer, we can begin sharing your information 45 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

    To limit direct marketing contact

    • Visit us online: businesstool.us
    • Call — our menu will prompt you through your choices
    • Talk to your assigned financial advisor

    Please Note: Direct marketing is email, postal mail and telephone marketing. Your telephone and postal mail opt-out choices will last for five years, subject to applicable law. Even if you limit direct marketing, we may still contact you to service your account or as otherwise allowed by law.

    Who we are

    Who is providing this notice?

    Bank of America U.S. legal entities that utilize the names: Bank of America, Banc of America, Bank of America Private Bank or Merrill, as well as the entities listed in the Bank of America U.S. legal entities section.

    What we do

    How does Bank of America 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. For more information, visit businesstool.us or businesstool.us

    How does Bank of America collect my personal information?

    We collect your personal information, for example, when you:

    • open an account or perform transactions
    • apply for a loan or use your credit or debit card
    • seek advice about your investments

    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 some but not all sharing related to:

    • affiliates’ everyday business purposes—information about your creditworthiness
    • affiliates from using your information to market to you
    • nonaffiliates to market to you

    State laws and individual Bank of America companies may give you more rights to limit sharing. See Other important information section for your rights under state law.

    What happens when I limit sharing for an account I hold jointly with someone else?

    Your choices will apply to you alone unless you tell us otherwise. However, your choice to limit sharing with nonaffiliates to market to you for credit card accounts or Sponsored Accounts will apply to all joint account holders. If you have more than one credit card account or Sponsored Account and you choose to opt out, you will need to do so for each account.

    Definitions

    Affiliates

    Companies related by common ownership or control. They can be Financial and nonfinancial companies.

    • Our affiliates include companies that utilize the names Bank of America, Banc of America, U.S. Trust or Merrill.

    Nonaffiliates

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

    • Nonaffiliates we share with can include financial services companies such as insurance agencies or mortgage brokers, nonfinancial companies such as retailers, travel companies and membership groups; and other companies such as nonprofit groups.

    Joint marketing

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

    • Our joint marketing partners include financial services companies.

    Other Important Information

    Do Not Call Policy. This notice is the Bank of America Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Bank of America employees receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Bank of America will be placed on the Bank of America Do Not Call list and will not be called in future campaigns, including those of Bank of America affiliates.
    Call Monitoring and Recording. If you communicate with us by telephone, we may monitor or record the call.

    For Nevada residents only. We are providing you this notice under state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing contact section. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, E. Washington St., SuiteLas Vegas, NV ; Phone number: ; email: [email protected]; Bank of America, P.O. BoxTampa, FL ; Phone number: ; Click on “Contact Us” at businesstool.us

    Vermont: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

    California: Under California law, we will not share information we collect about you with companies outside of Bank of America, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.

    For Insurance Customers in AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR and VA only. The term “Information” in this part means customer information obtained in an insurance transaction. We may give your Information to state insurance officials, law enforcement, group policy holders about claims experience or auditors as the law security bank and trust company or requires. We may give your Information to insurance support companies that may keep it or give it to others. We may share medical Information so we can learn if you qualify for coverage, process claims or prevent fraud, or if you say we can. To see your Information, write Insurance Operations, FL, Deer Lake Drive East, Jacksonville, FL You must state your full name, address, the insurance company, policy number (if relevant) and the Information you want. We will tell you what Information we have. You may see and copy the Information (unless privileged) at our office or ask that we mail you a copy for a fee. If you think any Information is wrong, you must write us. We will let you know what actions we take. If you do not agree with our actions, you may send us a statement.

    For MA Insurance Customers only. You may ask, in writing, for the specific reasons for an adverse underwriting decision. An adverse underwriting decision is where we decline your application for insurance, offer to insure you at a higher than standard rate or terminate your coverage.

    Bank of America U.S. legal entities

    Bank of America U.S. legal entities that utilize the names: Bank of America, Banc of America, U.S. Trust or Merrill and the entity Managed Account Advisors L.L.C.

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    U.S. Online Privacy Notice

    Bank of America U.S. Online Privacy Notice

    Last updated November 10,

    Your privacy is important to us. We conduct regular assessment reviews and abide by rigorous privacy standards to ensure personal information we collect, use and share is protected. This U.S. Online Privacy Notice ("Notice") describes how Bank of America and our affiliates manage personal information about you when you interact with us online through our websites, event registration sites, mobile applications and social sites ("Sites and Mobile Apps") through your computer, smartphone, tablet or other mobile devices ("computer or mobile devices").

    This notice explains

    • How we collect personal information when you visit, use or interact with us online, and through our ads displayed through online services operated by us or non-affiliated third parties
    • How we may use or share personal information collected to deliver products and services to you and for advertising or event management purposes

    The term "Bank of America" or "we", "us" or "our" in this Notice refers to banking and non-banking U.S. affiliates or subsidiaries of Bank of America Corporation that link to or reference this Notice.

    By using our Sites and Mobile Apps, you agree to the terms and conditions of this Notice. Bank of America works with third party providers who are contractually obligated to comply with our policies to protect information. However, if you visit or access one of these third party provider sites or mobile apps, please review the online privacy practices of that site or mobile app to understand the specifics of how your online personal information may be collected, used and shared.

    Updates to this Notice

    This Notice is subject to change. We update this notice periodically to comply with the most recent federal and local laws. Please review it whenever you have questions. If we make changes to this Notice, we will revise the Last updated date on this page.

    Our Online Privacy Practices

    We are committed to transparency about your personal information. We ask for your consent when required, otherwise by using our Site and Mobile Apps, you consent to the collection, use and sharing of your personal information subject to and consistent with applicable laws and other notices you may have received based on your relationship with us.

    Linking to other sites

    We may provide links to non-affiliated third party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated with, or controlled by Bank of America, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites and Mobile Apps. Bank of America does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information.

    Protecting your personal information

    To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third party providers to ensure personal information remains confidential and secure. In the event of a data breach, we provide timely notification, in accordance with applicable laws.

    We also recognize the importance of protecting privacy where children are involved. Our Sites and Mobile Apps are not marketed to individuals under the age of 13, and we request that these individuals do not provide personal information through our Sites and Mobile Apps. We do not knowingly collect personal information from children under

    Making sure personal information is accurate

    Keeping your personal information accurate and up to date is very important. If your personal information is incomplete, inaccurate or not current, please use the Contact Us option on our Sites and Mobile Apps, or call or write to us at the telephone numbers or appropriate address for changes listed on your account statements, records, online or other account materials. You can also speak to a customer representative at a banking center, your Financial Advisor or account representative.

    Personal Information We Collect Online

    How do we collect personal information online?

    We collect personal information about you through your computer or mobile devices by the use of cookies and similar tracking technologies (see our Cookie Policy for details) as well as personal information you provide when you visit or use our Sites and Mobile Apps, for example when you:

    • Apply for or open a new account
    • Register for a new product or service, or request information about a product or service
    • Register as a participant in one of our events
    • Complete a survey, contest or sweepstakes or other promotion
    • Use aggregation services such as My Portfolio® and My Financial Picture® in order to consolidate your financial account or information at one online location

    We may use third party providers to process personal information for business purposes on our behalf. Third party providers are contractually obligated to comply with our policies security bank and trust company protect information we share with them or they collect on our behalf.

    The personal information we collect is limited to what is required to provide our products or services and to support legal and risk requirements. For additional information, please review the How do we use your personal information section of this Notice.

    Types of personal information we collect online

    The type of personal information we collect from and about you online will depend on how you interact with us and may include:

    • Contact Security bank and trust company such as name, mailing address, email address, telephone and mobile number(s)
    • Account Application information such as credit and income information
    • Identifiers such as social security number, account number(s), driver's license number (or comparable) or other information that identifies you for ordinary business purposes
    • Access Authorization such as user name, alias, PIN and passcode and security questions and answers
    • Information from your computer and mobile devices where allowed by individual browsers and/or operating systems, such as:
      • Unique device identifiers (for example Media Access Control (MAC) and Internet Protocol (IP) addresses)
      • Browser type, version, language, and display/screen settings
      • Information about how you use and interact with our Sites and Mobile Apps (for example activities on pages visited, links clicked or unique and measurable patterns such as keystrokes, mouse clicks and movements, swipes and gestures)
      • Responses to advertisements on sites and mobile apps where we advertise
      • Log information such as your search and voice to text queries in the mobile app
      • Search engine referrals
      • Geolocation information with consent (for example ATM or financial center location, fraud prevention)
      • Social media preference
      • Information to facilitate virtual or in-person event management (for example attendee names, dietary requirements, special assistance needs, and travel details for participants)

    How We Use and Share Personal Information

    How do we use your personal information?

    Personal information collected from and about you online described in this Notice may be used for many purposes such as:

    • Delivering products and security bank and trust company to you by verifying your identity (for example when you access your account information); processing applications for products or services such as to prequalify for a mortgage, apply for a remax com homes for sale in houston tx card, or to open a retirement account, investment account or other financial product; processing transactions; finding nearby ATMs, financial centers, and other specialized location based services near your location; and consolidating your financial account information at one online location with services such as My Portfolio® and My Financial Picture®
    • Personalizing your digital and mobile experience by enhancing our Sites and Mobile Apps organization and design and analyze data to create relevant alerts, products or services
    • Providing advertising on our Sites and Mobile Apps as well as non-affiliated third party sites and through off-line channels like financial centers, call centers and direct marketing (for example email, mail and phone)
    • Detecting and preventing fraud, identify theft and other risks to you or Bank of America
    • Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view
    • Complying with and enforcing applicable legal requirements, industry standards, contractual obligations and our policies
    • Allowing you to use features within our Sites and Mobile Apps when you grant us access to personal information from your device such as contact lists, or geo-location when you request certain services that requires such access, for example locating an ATM
    • Providing notifications concerning events for which you've registered, providing analysis to improve our events and develop new events, determining event overall effectiveness, enhancing products and services, operating and expanding our business activities

    We retain personal information for a period of time as required by laws and regulations and the necessary business purpose. We securely security bank and trust company personal information as soon as legally permitted.

    Individual health and/or sensitive information

    To the extent that we receive, maintain or process an individual's health information, Bank of America may use and disclose that information as authorized by and in accordance with applicable federal and/or state law.

    At the time of event registration participants may provide information that requires special accommodations. This information will be used only to the extent necessary to facilitate any special accommodations for event participation.

    With whom do we share your personal information?

    We may share the personal information we collect from and about you online described in this Notice (and subject to other legal restrictions and notices you may have received depending on your relationship with us) with:

    • Affiliates and Subsidiaries of Bank of America, such as Merrill
    • Third Party Providers who have contracts with Bank of America including event vendors, organizers, volunteers, contractors, and sponsors
    • Government Agencies as required by laws and regulations

    Aggregated / De-identified information

    Collected personal information may be aggregated and/or de-identified (we remove any details that identify you personally). We may share this aggregated and/or de-identified information with third party providers to help deliver products, services, and content that are better tailored to the users of our online services and for our own business purposes where permissible under applicable laws and regulations.

    How to limit sharing

    You have choices regarding the sharing of some personal information. Where appropriate, we will limit sharing of your personal information based on your privacy security bank and trust company. You can register your choices online at Set your Privacy Choices.

    Online Behavioral Advertising

    Personal information collected from and about you online as described in this Notice is used and shared to deliver advertising and marketing, including prescreened offers of credit, which may be of interest to you.

    We present tailored ads to you:

    • On our Sites and Mobile Apps through ads that appear as you sign on or off of your online accounts
    • In off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone)
    • On third party sites and mobile apps not affiliated with Bank walmart asurion sign in America

    How we tailor ads to you

    • Advertising on our sites, mobile apps and off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone): We may use personal information about your activities on our Sites and Mobile Apps, such as pages visited and key words entered, to help determine which of our ads or offers may be of interest to you. We may use personal information about your relationship with us (such as types of accounts, transactional information or the location in which you bank) to help determine which advertisements or offers to present to you.
    • Advertising on non-affiliated third party sites and mobile apps: Bank of America contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use personal information we have collected or that you have provided to assist our non-affiliated third party sites and mobile apps to select bank ads or offers that may appeal to you, display them to you and monitor your responses. Non-affiliated third party sites and mobile apps are not subject to Bank of America Privacy Notices.

    How you can opt out of Online Behavioral Advertising

    You have choices about how Bank of America advertises to you based on your online behavior.

    • Advertising on our Sites and Mobile Apps and off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone): If you prefer we not provide you with tailored content and advertising based on your online behavior with our Sites and Mobile Apps, you may opt out of online behavioral advertising layer. Please review the important Reminder section that follows.
    • Advertising on Non-Affiliated Third Party sites: Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third party sites, visit YourAdChoices layer powered by the Digital Advertising Alliance or through the Network Advertising Initiative's Opt-Out Tool layer. You may also visit the individual sites for additional information on their data and privacy practices and opt out-options.

    Industry standards are currently evolving and we may not separately respond to or take any action with respect to a "do not track" configuration set in your internet browser.

    Reminder

    Please note that if you opt out of this advertising:

    • You may online business management degree receive general advertising from Bank of America.
    • When accessing online account servicing areas (i.e. after sign-in), such as Online Banking, Merrill Edge or MyMerrill, you may receive tailored content and advertising based on your account relationships.
    • Financial advisors/Client Managers may continue to use personal information collected online as described in this Notice to provide details on products and services in accordance with account agreements.
    • In order for online behavioral advertising opt outs from our Sites and Mobile Apps and on other security bank and trust company to work on your device, your browser must be set to accept cookies.
    • If you delete cookies, buy a new device, access our Sites and Mobile Apps or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt out again.

    Additional Information

    Third Party Data Sharing

    Some companies may offer aggregation websites and services that allow you to share your data with them in order to consolidate your account information from different sources (such as your accounts with us or with other financial institutions) so that you can view it in one location or perform actions related to your accounts using their services. To do this, a third party may request you to authorize access to your Bank of America accounts by providing your Bank of America username and passcode or by providing your information-sharing consent directly to Bank of America.

    • The third party may access, on your behalf, information about yourself, your Bank of America relationship, and your accounts at Bank of America.
    • You should use caution and ensure that the third party has appropriate policies and practices to protect the privacy and security of any personal information you provide or to which they are gaining access.
    • Use of your information by the third party is governed by your agreement with them, not by Bank of America.
    • We are not responsible for the use or disclosure of any personal information accessed by what is the capital of wyoming cheyenne company or person to whom you provide your site username and passcode.
    • If you share your Bank of America username, passcode or other information about your accounts with others, we will consider that you have authorized any transaction or action initiated by using the access information you provide.
    • If you decide to revoke the authority you have given to a third party, we strongly recommend that you change your Bank of America passcode to ensure that the third party cannot continue to access your account.
    • You may revoke your consent for certain third parties through the Security Center within Bank of America Online Banking.

    Social Media

    Bank of America engages with customers on social media platforms such as Facebook®, Twitter®, YouTube® and LinkedIn®.

    • Any content you post on official Bank of America managed social media pages, such as pictures, information, opinions or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms.
    • When interacting with official Bank of America social media pages, Bank of America's privacy notices, Social Media User Terms and Community Guidelines may apply.
    • Please review the privacy policy for the specific social media service you are using to better understand your rights and obligations with regard to such content.

    We may allow social share buttons on our sites that enable users to easily share information on social media platforms. The non-affiliated third parties that own these widgets may have access to information about your browsing on pages of our Sites and Mobile Apps where these widgets are placed.

    U.S. Consumer Privacy Notice

    U.S. Consumer Privacy Notice

    FACTS

    WHAT M youtube com refused to connect BANK OF AMERICA DO WITH YOUR PERSONAL INFORMATION?

    Why?

    Financial companies choose how they share your personal information. Under federal law, that means personally identifiable 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 employment information
    • account balances, transaction history and bbva.com information
    • assets and investment experience

    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 Bank of America chooses to share; and whether you can limit this sharing.

    Reasons we can share your personal informationDoes Bank of America 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 bureausYesNo
    For our marketing purposes — with service providers we use to offer our products and services to you (please see below to limit the ways we contact you)YesNo
    For joint marketing with other financial companiesYesNo
    For our affiliates’ everyday business purposes — information about your transactions and experiencesYesNo
    For our affiliates’ everyday business purposesback fat at home workouts about your creditworthinessYesYes
    For nonaffiliates to market to you — for all credit card accountsYesYes
    For nonaffiliates to market to you — for accounts and services endorsed by another organization (e.g., debit card co-branded with a baseball team) “Sponsored Accounts”YesYes
    For nonaffiliates to market to you — for accounts other than credit card accounts and Sponsored Accounts, such as insurance, investments, deposit and lendingNoWe don't share

    To limit our sharing

    • Visit us online: businesstool.us
    • Call — our menu will prompt you through your choices
    • Talk to your assigned financial advisor

    Please note: If you are a new customer, we can begin sharing your information 45 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

    To limit direct marketing contact

    • Visit us online: businesstool.us
    • Call — our menu will prompt you through your choices
    • Talk to your assigned financial advisor

    Please Note: Direct marketing is email, postal mail and telephone marketing. Your telephone and postal mail opt-out choices will last for five years, subject to applicable law. Even if you limit direct marketing, we may still contact you to service your account or as otherwise allowed by law.

    Who we are

    Who is providing this notice?

    Bank of America U.S. legal entities that utilize the names: Bank of America, Banc of America, Bank of America Private Bank or Merrill, as well as the entities listed in the Bank of America U.S. legal entities section.

    What we do

    How does Bank of America protect my personal gpa requirements for south carolina state university 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. For more information, visit businesstool.us or businesstool.us

    How does Bank of America collect my personal information?

    We collect your personal information, for example, when you:

    • open an account or perform transactions
    • apply for a loan or use your credit or debit card
    • seek advice about your investments

    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 some but not all sharing related to:

    • affiliates’ everyday business purposes—information about your creditworthiness
    • affiliates from using your information to market to you
    • nonaffiliates to market to you

    State laws and individual Bank of America companies may give you more rights to limit sharing. See Other important information section for your rights under state law.

    What happens when I limit sharing for an account I hold jointly with someone else?

    Your choices will apply to you alone unless you tell us otherwise. However, your choice to limit sharing with nonaffiliates to market to you for credit card accounts or Sponsored Accounts will apply to all joint account holders. If you have more than one credit card account or Sponsored Account and you choose to opt out, you will need to do so for each account.

    Definitions

    Affiliates

    Companies related by common ownership or control. They can be Financial and nonfinancial companies.

    • Our affiliates include companies that utilize the names Bank of America, Banc of America, U.S. Trust or Merrill.

    Nonaffiliates

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

    • Nonaffiliates we share with can include financial services companies such as insurance agencies or mortgage brokers, nonfinancial companies such as retailers, travel companies and membership groups; and other companies such as nonprofit groups.

    Joint marketing

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

    • Our joint marketing partners include financial services companies.

    Other Important Information

    Do Not Call Policy. This notice is the Bank of America Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Bank of America employees receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Bank of America will be placed on the Bank of America Do Not Call list and will not be called in future campaigns, including those of Bank of America affiliates.
    Call Monitoring and Security bank and trust company If you communicate with us by telephone, we may monitor or record the call.

    For Nevada residents only. We are providing you this notice under state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing contact section. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, E. Washington St., SuiteLas Vegas, NV ; Phone number: ; email: [email protected]; Bank of America, P.O. BoxTampa, FL ; Phone number: ; Click on “Contact Us” at businesstool.us

    Vermont: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

    California: Under California law, we will not share information we collect about you with companies outside of Bank of America, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.

    For Insurance Customers in AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR and VA only. The term “Information” in this part means customer information obtained in an insurance transaction. We may give your Information to state insurance officials, law enforcement, group policy holders about claims experience or auditors as the law allows or requires. We may give your Information to insurance support companies that may keep it or give it to others. We may share medical Information so we can learn if you qualify for coverage, process claims or prevent fraud, or if you say we can. To see your Information, write Insurance Operations, FL, Deer Lake Drive East, Jacksonville, FL You lightstream home loans state your full name, address, the insurance company, policy number (if relevant) and the Information you want. We will tell you what Information we have. You may see and copy the Information (unless privileged) at our office or ask that we mail you a copy for a fee. If you think any Information is wrong, you must write us. We will let you know what actions we take. If you do not agree with our actions, you may send us a statement.

    For MA Insurance Customers only. You may ask, in writing, for the specific reasons for an adverse underwriting decision. An adverse underwriting decision is where we decline your application for insurance, offer to insure you at a higher than standard rate or terminate your coverage.

    Bank of America U.S. legal entities

    Bank of America U.S. legal entities that utilize the names: Bank of America, Banc of America, U.S. Trust or Merrill and the entity Managed Account Advisors L.L.C.

    Rev 01/

    Источник: businesstool.us

    Timeline for Security Bank & Trust Company

    Security Bank Waconia

    Acquisition: Security Bank & Trust Company acquired a new subsidiary, Security Bank Waconia, 7 years

    View Profile May 31

    Flagship Bank Winsted

    Acquisition: Security Bank & Trust Company acquired a new subsidiary, Flagship Bank Winsted, 8 years

    View Profile Apr 27

    The First State Bank Of Brownton

    Acquisition: Security Bank & Trust Company acquired a new subsidiary, The First State Bank Of Brownton, 29 years

    View Profile Jun 19

    Security Bancshares Co.

    Security Bancshares Co. became a new parent organization for Security Bank & Trust Company.

    View Profile Nov 12

    Security Bank & Trust Company

    Security Bank & Trust Company was established 86 years ago and is currently headquartered in Glencoe, MN.

    Oct 12
    Источник: businesstool.us
    Financial Fast FactsBalance Sheet
    (USD, in thousands)
    Income Statement
    (USD, in thousands, ytd)Total Assets94,
    Total Interest Income3,Total Liabilities85,
    Total NonInterest IncomeTotal Bank Equity Capital9,
    Total Interest ExpenseTotal Deposits84,
    Total NonInterest Expense2,Net Loans & Leases69,
    Net IncomeLoan Loss Allowance
    Net Charge Offs(48)


    Regulatory Capital
    Quarterly Averages
    (USD, in thousands)Community Bank Leverage RatioYes
    Total loans67,Total assets for the leverage ratio93,
    Loans secured by real estate:51,Tier 1 Leverage Ratio
    Commercial and industrial loans8,Off Balance Sheet Exposures (%)
    Loans to individuals - Credit Cards0Trading Assets and Liabilities (%)0
    Loans to individuals - Other4,
    Источник: businesstool.us?ibnid=usa_

    Security National Bank & Trust Co.

    Security National Bank & Trust Co. in Wheeling

    Security Trust Co. purchased a lot located diagonally across Market Street from its circa building, at Market, in The lot, located at Market Street, was formerly the site of the State Theatre. The old theater was razed in March of to make way for a new bank building. The new bank was designed by architect A. C. Lanander of Columbus, Ohio and Trenton Construction Company of Wheeling was awarded the general contract for both the demolition of theater and construction of the new bank. Also included in the construction was a drive-through banking facility located on Chapline Street with exits on 11th Street. 

    From the Wheeling Intelligencer, March 6, (See news below for link to complete article):

    "The Market Street facade of the new banking building will be of marble Anodized aluminum window frames with one-inch thermopane glass will extend from the sidewalk level to the third floor level The first flood banking room will have a full-length marble-tiled lobby flanked with four savings and eight commerical tellers on the leftThe basement level will include the personal loan real estate and travel departments flanking a full length lobby The trust department vault and the safe deposit vaults will also be in the basement A semi-elliptical balcony effect with floral railing will distinguish the unusual second floor design of the new building Trust department officials and trust department clerical personnel will occupy the second floor area, with the officials located on the open balcony end."

    Security Trust Co. moved to the new bank building at Market Street in May of InSecurity Trust Co. merged with the National Bank of West Virginia to form the Security National Bank & Trust Co., opening at the Market Street location. 

    The name of the bank was changed to Bank One, West Virginia in and the organization was acquired by JP Morgan Chase Bank in The downtown Market Street location of Chase Bank was closed on August 3, The building is currently vacant. 


    Locations

    ➤  Market Street


    Photographs

    Security National Bank & Trust Co.


    Newspaper Articles

    ➤ Security Trust to Build New Bank at State Theatre Site, Wheeling Intelligencer, Friday, March 6th,pg. 1 

    Security Bank

    Bank in the Philippines

    The Security Bank Logo businesstool.us

    Trade name

    PSE:&#;SECB
    TypeUniversal Bank
    IndustryBanking, Financial services
    FoundedJune&#;18, ; 70 years ago&#;()
    Headquarters

    Makati

    ,

    Philippines

    Number of locations

    A total network of branches and ATMs as of July

    Area served

    Philippines

    Key people

    • Frederick Y. Dy (Chairman Emeritus)
    • Alberto S. Villarosa (Chairman)
    • Sanjiv Vohra (President and CEO)
    ProductsBanking and Financial Products
    Revenue
    • Increase ₱ billion ()

    Operating income

    • Decrease ₱ billion ()

    Net income

    • Decrease ₱ billion ()
    AUM
    • Increase ₱ billion ()
    Total equity
    • Increase ₱ billion ()
    OwnerFrederick Dy
    Websitebusinesstool.us

    Security Bank Corporation (SBC) is a universal bank in the Philippines. It was established on June 18, as Security Bank and Trust Company and was the first private and Filipino-controlled bank of the post-World War II period.

    Security Bank was publicly listed with the Philippine Stock Exchange in (PSE:&#;SECB). The Bank's major businesses include retail, commercial and corporate banking, and financial markets. It offers a wide range of services, including financing and leasing, foreign exchange and stock brokerage, investment banking, and asset management through its subsidiaries.

    InSecurity Bank embarked on a rebranding campaign called "BetterBanking" to further strengthen market appreciation of its retail banking business, which complements its wholesale banking business.[1]

    In JanuaryThe Bank of Tokyo-Mitsubishi UFJ, Japan's largest bank, acquired a 20% minority stake of Security Bank for a deal worth billion pesos.[2]

    As of JulySecurity Bank has a total network of branches and ATMs nationwide.[3]

    History[edit]

    Early history[edit]

    Security Bank was established on June 18,as Security Bank and Trust Company (SBTC) in Manila, Philippines. At the time, SBTC was the first privately owned, Filipino-controlled bank of the post-World War II era. The bank's head office was first located in the Don Roman Santos Building on Plaza Goiti, moving to Escolta in At the time, Security Bank was so aggressive in opening branches that at one point during the s, it had more branches in Metro Manila than any other local bank.

    Beginning in the s, Security Bank started expanding outside Metro Manila as well, with the opening of its first provincial branch in Angeles City. Within the decade, the bank capital one spark cash for business a rapid expansion in the provinces. It was also in the s that Security Bank led a consortium of local and foreign companies that lent US$ 62 million to the Lopez family to fund their acquisition of Meralco, the first of its kind in Philippine banking history.

    In the s, Security Bank issued its first credit card, introducing the Philippines to Diners Club (until Security Bank sold Diners Club's exclusive rights in the Philippines to its rival, BDO Ode to the west wind imagery in ).[4] It also marked the start of the bank's trust offerings, many of which were deemed innovative, and still survive today as pre-need and common-trust plans, of which they are descended from Security Bank's offerings at the time. Towards the end of the s, the bank was granted permission to operate a foreign currency division by the Bangko Sentral ng Pilipinas. It widened its investment services portfolio in the s, even when the Philippines was thrown into a deepening political crisis. Like other major banks, the Security Bank survived.[5]

    The s brought in new owners led by Frederick Y. Dy. On April 26,the bank was issued a universal banking license by the BSP. With the issuance of its universal banking license, the legal name of Security Bank changed to the present-day Security Bank Corporation. The bank also moved to its new headquarters along Ayala Avenue in Makati. SBC's stock was also formally listed on the Philippine Stock Exchange on June 8,with a billion-peso initial public offering.[6]

    present[edit]

    Inthe bank partnered with Japan's largest bank The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU) to bolster its capital and enhance their global capabilities. BTMU is now the second largest shareholder of Security Bank and is now an equity affiliate of BTMU.[7] The partnership with Japan’s largest bank provided Security Bank with additional capital (Php billion from MUFG), long-term funding, and business collaboration opportunities that support the acceleration of the Bank’s long-term growth strategy including expansion of branch network and increasing penetration of the retail market.

    As of December 31,Security Bank is the 6th largest in total assets among private domestic universal banks in the country, with total assets of Php Bn; 6th largest roslyn savings bank east meadow loans, with loan portfolio of Php Bn, and 5th largest in capital, with capital of Php Bn.[3]

    Ownership[edit]

    No. Stockholder's Name % to Total Common Shares
    1 PCD Nominee Corporation %
    2 MUFG Bank, Ltd. %
    3 PCD Nominee Corporation (Non-Filipino) %
    4 bakers com omaha Y. Dy %
    5 Asiasec Equities, Inc. %
    6 Social Security System %
    7 Asiasec&#;Equities Inc. A/C# %
    8 Anastasia Y. Dy %
    9 Goodwoord Resources Development Inc. %
    10 SB Equities, Inc. %

    See also[edit]

    References[edit]

    Источник: businesstool.us

    By Ivan Raconteur
    Editor

    WINSTED, MN &#; Security Bank & Trust Co. will acquire the First Street North office of Flagship Bank Winsted Friday, April 19, according to a letter to Flagship Bank shareholders and creditors from Security Bank & Trust Co. CEO-President Gale Hoese.

    As a result of the transaction, accounts at Flagship Bank Winsted will automatically become accounts of Security Bank & Trust Co.

    Security Bank & Trust Co. will become the new custodian of Flagship Bank Winsted individual retirement accounts (IRAs).

    Flagship Bank Winsted customers will be able to continue to use their current supply of checks for one year. Checks reordered through the bank will automatically be changed to identify Security Bank & Trust Co., although account numbers will not change.

    Lobby hours at the Winsted location will continue to be a.m. to p.m. Monday through Thursday, and a.m. to p.m. Friday.

    The drive-up location will be open 8 a.m. to p.m. Monday through Friday, and 8 a.m. through p.m. Saturday.

    Customers who use online banking may log on to businesstool.us and sign up for Security Bank’s online banking, Bill Pay, and eStatements. Account balances will upload to the new online accounts after the merger.

    Customers who use telephone banking may contact the Winsted bank office to fill out a new telephone banking enrollment form.

    “Security Bank & Trust is a family-owned community bank,” Hoese noted. “Our current offices are in Glencoe, Brownton, Plato, and New Auburn. Our goal is to continue to provide quality financial products to the residents in Winsted and the surrounding area.”

    Источник: businesstool.us
      continued on pg. 14
    ➤ Theatre to Bow to Progress, Wheeling Intelligencer, Friday, March 6th,pg. 20


    Additional Library Resources

    Wheeling Room: non-circulating materials, ask for access at the reference desk.
    Vertical File: Wheeling Bank & Banking Historical

    Archives & Special Collections: non-circulating materials, please make an appointment to view materials
    ➤ Security National Bank & Trust Company and National Bank of West Virginia collection,

    Источник: businesstool.us
    security bank and trust company

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