Effective July 1, 2008
Today's marketing strategies have increased the amount of customer information collected and shared among businesses. Consumers rightfully are concerned about the impact this has on their privacy. We understand these concerns at Rabobank, N.A. (the Bank).
Your relationship with us is treated with great confidentiality. We view the security and confidentiality of Customer Information as a top priority throughout the Bank. We do not sell or share Customer Information with outside companies for purposes of independent telemarketing, direct mail or other marketing, or selling of any non-financial products or services to you.
The Bank maintains security standards and procedures designed to protect customer information. We will continue to test and update our technology to protect information about you.
This policy covers "Customer Information," which means nonpublic, personally identifiable information about a consumer or a consumer's current or former relationship with the Bank and its affiliates. This statement is provided in accordance with the federal and California state financial privacy laws.
We hope you will read all the details of the Bank's official position on privacy. At the very least, we want you to know the Bank uses information we know about you responsibly to:
This statement supersedes any previous privacy policies or statements issued by the Bank. If we change this statement, we will inform you.
TYPES OF INFORMATION WE COLLECT
We collect and use various types of information to respond to: your requests for financial services; service your existing accounts; save you time and money; and to gain a better understanding of your needs. And, we want to help you learn more about products and services that may be of interest to you.
Customer information we collect falls into the following types:
USING THIS INFORMATION
Most of the information we collect is used for the purpose of helping us deliver the services you have requested, easily and efficiently. It may also permit us to design and offer specific products and services that we believe will be useful to you.
WHO HAS ACCESS TO THIS INFORMATION
Inside the Bank Family: Employees of the Bank and its affiliates are permitted access to the information they need to perform their jobs. We maintain strict internal policies against unauthorized use or disclosure of Customer Information. Further, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard your information.
As financial services companies, the Bank affiliates offer a wide variety of services, such as checking, money market and savings accounts, certificates of deposit, mortgages, consumer loans and lines of credit, credit cards, and many others. As permitted by law, "Experience Information" held by any Bank affiliate is available to other members of the Bank corporate family for authorized purposes. "Non- Experience Information" is not shared with any Bank affiliate.
Marketing Associates and Non-Associated Marketers: The Bank does not sell or share customer information with any outside Marketing Company.
Service Providers: At times, we enter into arrangements with companies whose expertise is essential for our own services to function properly. We may share all five types of Customer Information with these companies to provide the products and services you have requested or already have with us. For example, we work with specialized firms to process credit and debit card transactions, generate account statements, process loan requests, service deposit and loan accounts, print checks, process data, and enable online banking for Bank customers. As permitted by law, we disclose to these service providers the Customer Information necessary to perform these functions and provide products and services to you, as well as a good customer experience. As with all our business partners, these companies are required, and contractually obligated, to safeguard your information and use it only to provide the services we have asked them to perform for you and us, or as allowed by law.
Credit Bureaus: In accordance with standard banking industry practice, and as allowed under federal and state law, the Bank routinely provides data about customer loan repayment and other transactions to credit bureaus (consumer reporting agencies). We will provide this information to other creditors or banks if you authorize it, or as necessary to complete a transaction you initiated.
Courts and Government Entities: Certain federal and state statutes may require us to disclose information about you. For example, if you are involved in litigation with a third party, we may be ordered to provide information to the court or the other litigant. In these circumstances, only specific information required by law, subpoena, or court order will be disclosed.
Making Sure Information is Accurate: Keeping your account information accurate and up to date is very important. We provide you with access to your account information through various means, such as account statements, telephone banking and online banking. If you ever find that your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement, bank records, or other documentation. We will promptly update or correct any information we reasonably conclude to be erroneous. If you have questions, or feel that we have not handled information about you properly, you may always contact us and we will promptly investigate your inquiry or complaint.
INTERNET PRIVACY PRACTICES
Protecting Your Privacy Online: The Bank is concerned about your comfort level when it comes to Internet security and safety issues. We want you to know how we will handle the information we learn about you from your visit to our web site(s). This privacy statement applies to your visits to our web site(s), with some additional details below.
Information We Collect Online: The information we receive about you depends upon what you do when visiting our web site(s). We do not obtain personally identifying information about you when you visit our web site(s) unless you choose to provide such information.
We use the above information to collect and measure the number of visitors to the different sections of our web site(s), and to help us stay abreast of technical upgrades that can make our web site(s) more accessible and innovative for our visitors.
Online Banking Security: To protect your information, we maintain physical, electronic and procedural safeguards that comply with federal regulations. When you submit private data to us over the Internet, our internal security standards guard it in several ways. Encryption helps protect it from interception by a third party. The passwords and other safety features we have installed also help ensure that the information you provide us remains safe and secure.
Confidentiality: No one is permitted access to this information except employees and authorized outside service providers who provide services to you.
In addition, you should know about these online information management tools that may offer additional convenience:
"Cookies": To simplify your online banking experience with us, we may place a "cookie" on your PC while conducting online banking sessions. (A cookie is a piece of information that our web server stores on your computer's hard drive and retrieves later.) Per-session cookies are for Online Banking system security, used for time outs if your browser is left open. When you close your online banking session, the cookie is deleted when the session ends. We do not use cookies to record information that will enable anyone to contact you via telephone, email, or regular mail.
Consolidation Sites: Online aggregation, or "screen-scraping" services, are available to consumers at little or no cost from a number of other firms. Here's how they work:
Please Use Caution When Using Consolidation Sites: Before you grant any company access to your account information, we recommend finding out how it will collect and safeguard your data. Consumer protections may vary depending on the nature and identity of the aggregator. In any event, if you allow third parties to access your personal information, the Bank and its subsidiaries can accept no responsibility for their actions or for any losses that may result.
WE RESPECT YOUR PRIVACY
As technology continues to advance, you can be sure the Bank will provide safeguards to keep your personal financial information confidential and secure. Your trust is important to us and we are committed to protecting your privacy, whether you do business with us on the Internet, in person, via telephone or mail. Thank you for choosing us as your financial services provider.
CALIFORNIA ONLINE PRIVACY PROTECTION ACT (AB68)
Our web site does not currently collect any personally identifiable information above what is collected in writing when you sign-up for our eBanking service or when you submit a change to your personally identifiable information (address, phone number, etc.)
You may initiate changes directly via the online service. It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, and phone numbers and e-mail addresses. Changes can be made either within the application or by calling us at this toll-free number (888) 945-6600. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.
WHERE TO FIND OUT MORE
If you have questions, concerns, or comments about our privacy practices, or the way your information is maintained and used, we would like to hear from you. Please visit your nearby branch, or write us at:
Rabobank, N. A. 2008 Rabobank, N.A. - Member FDIC - 
Equal Housing Lender
Member FDIC and Equal Housing Lender are not applicable to Rabo AgriFinance or Rabobank International
