KNBT - Home Equity Loan Application

ONLINE LOAN APPLICATION

Thank you for your interest in applying for a KNBT loan online. Loan applications are accepted only for persons residing in the Greater Lehigh Valley and Northeast Pennsylvania regions, which include the following six counties: Lehigh, Northampton, Carbon, Luzerne, Schuylkill and Monroe.

Before you complete your online loan application, please carefully review KNBT’s Privacy Notice, which is provided to you below, in electronic format. This Notice details important information about KNBT’s policy regarding the protection of your personal information, which is needed in order for us to process your loan application. We encourage you to print or retain a copy of this Privacy Notice for your records. A written copy may be obtained from any KNBT branch location, or you may contact us in writing at: Keystone Nazareth Bank & Trust, Consumer Loan Dept., 236 Brodhead Road, Bethlehem, PA 18017.

PRIVACY NOTICE

At KNBT Bancorp, Inc. (KNBT), the confidentiality and protection of customer information is one of our fundamental responsibilities. We want you to know that we carefully manage customer information to give you better service and offer you additional benefits based on your relationship. We respect your privacy and value the trust that you place in us to handle your personal information and financial matters in a professional and responsible manner.

KNBT includes the following affiliates: Keystone Nazareth Bank & Trust, KNBT Securities, Higgins Insurance, Abstractors, Inc., Traditions Settlement Services and Caruso Benefits Group, Inc. This Privacy Notice applies to consumers, including customers and former customers, and it serves as our standard for collection, use, sharing, retention and security of non-public, personal information about you and/or your accounts. We reserve the right to amend this Privacy Notice at any time. The examples contained in this Privacy Notice are illustrations and are not intended to be inclusive.

INFORMATION WE COLLECT
In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we collect and use various types of information, including non-public information about you from some or all of the following sources:

Information we receive from you on applications or other forms.
Information about your transactions with us, our affiliates or others.
Information we receive from a consumer-reporting agency, such as your credit worthiness and credit history.

YOUR INFORMATION AND SHARING WITH OUR AFFILIATES
In order to provide you with financial products and services to meet your needs, we may, as permitted by law, share all the information we collect as described above about our customer experiences and transactions with our affiliates. This information could include transaction and experience information from our account records, such as:

Name
Address
Social Security Number
Account balances
Account activity
Types of accounts

Parties to the transaction
Payment history
Deposit history
Assets
Income
Credit Card usage

Federal law allows us to disclose the information listed above with our affiliates. As such, opt out privileges do not apply.

The following is a description of the types of businesses within KNBT Bancorp, Inc., with which we may share information:

Financial service providers, such as banks, a registered investment advisor, a securities broker dealer, a trust company, insurance agencies and settlement services and title companies.

RESTRICTIONS ON DISCLOSURE OF NON-PUBLIC, PERSONAL HEALTH INFORMATION
KNBT does not disclose your non-public, personal health information to non-affiliated third parties (including government agencies) or our affiliated companies, except as authorized by you or to perform insurance functions (for example, obtaining an insurance policy or administering an insurance claim) as allowed by and in accordance with applicable law.

SHARING INFORMATION OUTSIDE OF KNBT
We do not disclose any non-public personal information about our customers, or former customers, to anyone, except as permitted by law. For example:

We may disclose personal information to companies that help us process or service your transactions or account(s), such as companies that print your statement or provide online access.
So that you can learn about products or services, we also may disclose personal information, such as account and transaction data, to companies, including financial institutions, which assist us in marketing or providing services. We have entered into joint marketing agreements with these companies that prohibit them from using your personal information for their own purposes.
We may disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required or permitted by law. For example, to cooperate with regulators or law enforcement authorities, or to control risks by performing credit/authentication checks with credit bureaus, which may report late payments, missed payments or other defaults on your account.

PROTECTING THE CONFIDENTIALITY AND SECURITY OF YOUR PERSONAL INFORMATION

We do not sell your non-public personal information to anyone. Furthermore, we follow specific measures to protect the confidentiality and security of your personal information.
Companies we hire to provide support services are not permitted to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.
We maintain strict procedures to safeguard your privacy. We restrict employee access to customer information to only those who have a business reason to know such information, and we educate our employees about the importance of confidentiality and customer privacy.
We maintain physical, electronic and procedural controls that comply with federal standards to safeguard your nonpublic personal information.

HOW YOU CAN HELP TO PROTECT YOUR PRIVACY
Rapid advances in technology and the surge of Internet use have resulted in an increase in fraudulent Internet scams devised for the purpose of identity theft or other unlawful acts. However, you avoid becoming a victim by safeguarding your personal information in the following ways:

Do not share your account information, personal identification numbers (PIN), passwords or other sensitive information with others.
Do not disclose confidential information to unknown callers.
When banking on the Internet, be sure to use a secure browser and current virus detection software; and never open email messages from unknown sources.

INFORMATION ACCURACY
If you believe that any of your information is in error, you may send written notification to KNBT and request a correction. Where justified, corrections will be made.

If you have any questions about this Privacy Notice, please visit your local KNBT office or contact our Customer Service Department at 1-800-996-2062.

Or click here to send us a secure email.

I/We acknowledge that I/we have read and accepted the terms and conditions of KNBT’s Privacy Notice.