| FACTS | WHAT DOES ORIENTAL DO WITH YOUR PERSONAL INFORMATION? |
| Why? | Financial companies choose how they share your personal information. Federal law gives consumer 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:
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| 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 ORIENTAL chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Oriental share? | Can you limit this sharing? |
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. | YES | NO |
| For our marketing purposes – to offer our product and services to you. | YES | NO |
| For joint marketing with other financial companies | NO | We don't share |
| For our affiliates' everyday business purposes – information about your transactions and experiences. | YES | NO |
| For our affiliates' everyday business purposes - information about your creditworthiness | YES | YES |
| For our affiliates' to market to you | YES | YES |
| For our non-affiliates' to market to you | NO | We don't share |
| To limit our sharing |
If you are a new customer, we can begin sharing your information 30 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. |
| Questions? |
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| Mail-in Form | |||
| If you have a joint account, your choices(s) will apply to everyone on your account unless you mark below. | Mark any/all you want to limit:
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| Name Address City, State, Zip Code Account Number |
Mail to: ORIENTAL Compliance Department "Privacy Policy" PO Box 191429 San Juan PR 00919-1429 | ||
| Who we are | |
| Who is providing this notice | Oriental, is made up of the following companies: Oriental Financial Group Inc., Oriental Bank and Trust, Oriental Financial Services Corp., and Oriental Insurance, Inc. |
| What we do | |
| How does ORIENTAL protect my personal information? |
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| How does ORIENTAL collect my personal information? | We collect your personal information, for example, when you:
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| Why can't I limit all sharing? | Federal law gives you the right to limit only:
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| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account – unless you tell us otherwise. |
| Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates are Oriental Financial Group Inc., Oriental Bank and Trust, Oriental Financial Services Corp. and Oriental Insurance, Inc. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. Oriental does not share with non affiliates companies so they can market you. |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include:
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