Privacy Policy

Michigan Heritage Bank works to provide you with financial products and services to meet your financial goals. In providing these products and services, we are very committed to protecting our customers’ privacy.

We are required by law to give you this privacy notice. It describes our policies and practices that protect your privacy and enables us to share information to provide you with competitive financial products and services.

What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us.

Information We Collect About You

We collect information about you from the following sources:

• Information we receive from you on applications and other forms;
• Information obtained when verifying the information you provide on an application or other form (this may be obtained from, but is not restricted to, your current or past employers, or from other institutions where you have conducted financial transactions);
• Information about your transactions with us, or others including those companies that work closely with us to provide you with diverse financial products and services;
• Information we received from a credit reporting agency; and
• Information we may obtain from customer purchasing and census data providers to develop competitive marketing programs for our customers.

Disclosure of Information to Parties that Provide Services to Us

We may disclose information we collect, as provided by law and as described above, to companies that perform marketing or other services on our behalf. This information can also be shared with financial institutions with whom we have joint marketing agreements, so that we may provide customers competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our bank and to follow your instructions as you authorize the security of our financial records.

Disclosure of Information about Former Customers

If you decide to terminate your relationship with our Bank, we will not share information we have collected about you, except as may be required by law and will remove your information from our files within a reasonable period of time.

How to Opt Out or Stop Certain Disclosures About You

If you prefer that we do not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you must complete the attached form and mail it as instructed.

You may opt out of those disclosures at any time. This opt out, by law, will not apply to disclosures that are legally permitted or to disclosures we make to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us.

Once we receive your request, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you wish to later revoke your opt out election.

Fair Credit Reporting Act Disclosure

The Bank and our affiliates are permitted by law to share with one another any information about their transactions or experiences with you. Information taken from credit reports may also be exchanged but will not be shared if you notify us in writing. If you elect to opt out of this information exchange, please indicate your intentions on the attached form and mail it as instructed.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Customers Can Do to Help

Our Bank is committed to protecting the privacy of its customers. You can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. Never keep your PIN with your debit or credit card as it can provide access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc., to other persons. If someone calls you, explains the call is on behalf of the Bank and asks for your account number, you should beware. Official Bank staff will have access to your information and will not need to ask for it.
• Please contact us with any questions. Do not hesitate to call us – we are here to serve you.

Response Form

Please use this form if you wish to decline, or “Opt Out” of information sharing.

- I wish to exercise my right to opt out of certain third-party information sharing, as described in this Privacy Notice.

To change our records to reflect your desire to opt out, please provide us with the following information. Opt out decisions will also apply to others with whom you have joint accounts at Michigan Heritage Bank.

Please print clearly:

Date: ____________________________________

Name____________________________________

Address__________________________________

City _____________________________________

State ______________________Zip____________

Phone No. _________________________________

Please complete this form, detach it and mail it to:

MICHIGAN HERITAGE BANK
28300 ORCHARD LAKE RD., SUITE 200,
FARMINGTON HILLS, MI 48334

Please Note: Each of the Michigan Heritage Bank subsidiaries will continue to contact its individual customers with offers for its own products and services. You will continue to receive marketing messages via your statement, as well as direct marketing solicitations.