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Revised December 2011
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FACTS
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WHAT DOES First Merchants Bank, n.a. DO WITH YOUR PERSONAL INFORMATION?
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Why?
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Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
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What?
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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 Income
- Account balances and Transaction history
- Credit history and Credit scores
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How?
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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 First Merchants Bank, N.A. chooses to share; and whether you can limit this sharing.
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Reasons we can share your personal information
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Does First Merchants Bank, N.A. share?
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Can you limit this sharing?
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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
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For our marketing purposes—
to offer our products and services to you
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Yes
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No
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For joint marketing with other financial companies
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Yes
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No
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For our affiliates’ everyday business purposes—
information about your transactions and experiences
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Yes
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No
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For our affiliates’ everyday business purposes—
information about your creditworthiness
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Yes
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Yes
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For our affiliates to market to you
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Yes
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Yes
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For nonaffiliates to market to you
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No
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We don’t share
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To limit
our sharing
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- Call us to limit sharing. A live representative will assist you during normal business hours.
First Merchants Bank, N.A.: 800-205-3464
Lafayette Bank & Trust, a Division of First Merchants Bank, N.A.: 800-755-2491
Commerce National Bank, a Division of First Merchants Bank, N.A.: 888-716-1514
First Merchants Trust Company, a Division of First Merchants Bank, N.A.: 866-238-0082
Please note:
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.
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Questions?
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Please Call Us:
First Merchants Bank, N.A: 800-205-3464
Lafayette Bank & Trust, a Division of First Merchants Bank, N.A.: 800-755-2491
Commerce National Bank, a Division of First Merchants Bank, N.A.: 888-716-1514
First Merchants Trust Company, a Division of First Merchants Bank, N.A.: 866-238-0082
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Who we are
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Who is providing this notice?
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First Merchants Bank, N.A.;
Lafayette Bank & Trust, a Division of First Merchants Bank, N.A.;
Commerce National Bank, a Division of First Merchants Bank, N.A.;
First Merchants Trust Company, a Division of First Merchants Bank, N.A.
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What we do
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How does First Merchants Bank, N.A. protect my personal information?
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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.
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How does First Merchants Bank, N.A. collect my personal information?
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We collect your personal information, for example, when you
- open an account or deposit money
- pay your bills or apply for a loan
- use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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Why can’t I limit all sharing?
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Federal law gives you the right to limit only
- sharing for affiliates’ everyday business purposes—information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
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What happens when I limit sharing for an account I hold jointly with someone else?
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Your choices will apply to everyone on your account – unless you tell us otherwise.
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Definitions
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Affiliates
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Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include companies with a common corporate ownership of First Merchants Corporation; and include financial companies such as First Merchants Insurance Group.
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Nonaffiliates
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Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- First Merchants Bank, N.A. does not share with nonaffiliates so they can market to you.
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Joint marketing
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A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include credit card companies.
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