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Rev. 12/16/10
FACTS WHAT DOES ROYAL BANK DO WITH YOUR PERSONAL INFORMATION?
Why? 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.
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 Income
  • Account Balances and Payment History
  • Transaction History and Overdraft History
When you are no longer our customer, we continue to share your information as described in this notice.

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 Royal Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Royal Bank 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 products and services to you
yes no
For joint marketing with other financial companies yes no
For our affiliates' everyday business purposes—
information about your transactions and experiences
yes no
For our affiliates' everyday business purposes—
information about your creditworthiness
no We don't share
For our affiliates to market to you no We don't share
For nonaffiliates to market to you no We don't share
Questions? Call (800) 873-1406 or go to www.royalbank-usa.com
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Who we are?
Who is providing this notice? Royal Bank
What we do
How does Royal Bank 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.

Some techniques we use include: user authentication, firewall technology, and encryption.

How does Royal Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account or Deposit Money
  • Apply for financing or Use your credit or debit card
  • Provide your mortgage information

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 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.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates are financial service providers:  Royal Bancshares, Inc. and Royal Insurance Services, Inc.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Royal Bank does not share with non-affiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include Check Printers and Credit Card companies.
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