REV. 01/2016
FACTS
What does Freedom Financial Asset Management, LLC d/b/a FreedomPlus 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 credit card and other debt
  • Account Balances and transaction history
  • Income and employment information
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 Freedom Financial Asset Management ("FFAM") chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does FFAM 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 creditworthiness Yes No
For our affiliates to market to you Yes No
For nonaffiliates to market to you Yes Yes
To limit our sharing 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.

Questions? Call 800-297-5879 or go to save.freedomplus.com/unsubscribe
Who we are
Who is providing this notice? Freedom Financial Asset Financial Management, LLC, Freedom Financial Network, LLC, Freedom Debt Relief, LLC, Bills.com, LLC
What we do
How does FFAM 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.
How does FFAM collect my personal information? We collect your personal information, for example, when you
  • Open an account         or give us your income information
  • Provide account info    or provide employment information
  • Give us your contact info
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. See attachment for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include financial companies such as Freedom Debt Relief, LLC, Freedom Financial Network, LLC, and Freedom Tax Relief, LLC, Bills.com, LLC
Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • We share with nonaffiliates in the categories of direct marketing companies, service providers, insurance companies and broker/dealers.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include Primerica Client Services, Inc
Other important information
See attached page for important state-specific disclosures.


FACTS WHAT DOES CROSS RIVER BANK DO WITH YOUR PERSONAL INFORMATION?
Rev. 11/2015
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 Account balances
  • Payment history and Transaction history
  • Account transactions and Wire transfer instructions
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 Cross River Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Cross River 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 No We don't share
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes— information about your transactions and experiences No We don't share
For our affiliates’ everyday business purposes— information about your creditworthiness No We don't share
For nonaffiliates to market to you Yes Yes
To limit our sharing
  • Call toll-free 1-877-55CRB55 - our menu will prompt you through your choice(s)
Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we provided or 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? Call toll-free 1-877-55CRB55 or go to www.crossriverbank.com
What we do
How does Cross River 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Cross River Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or Apply for a loan
  • Make deposits or withdrawals from your account or Provide employment information
  • Give us your contact 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. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Cross River Bank does not share with our affiliates. Our affiliates include CRB Group, Inc., CRB Investment Company, Inc., CRB RET Inc
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include loan finance companies
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you

  • Our joint marketing partner(s) include loan finance companies.
Other important information
Special Notice For State Residents

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts,Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing-without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.