Rev. January 2015

• The notice shows a January 2015 revision marker and no effective date Legal Rights & Agreement Rules

| FACTS | WHAT DOES CELTIC BANK DO WITH YOUR PERSONAL INFORMATION? |

• Celtic Bank provides this notice; no other entity is named Legal Rights & Agreement Rules

| 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. |

• Federal law supplies the notice's basis and a limited right to limit sharing Legal Rights & Agreement Rules

| 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  Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice. |

• Collected and shared data types depend on the product Data Access & Collection
• Sharing continues after the customer relationship ends Retention & Deletion

| 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 Celtic Bank chooses to share; and whether you can limit this sharing. |

• The table separates reason, Celtic Bank's answer and limitability Sharing & Disclosure

| Reasons we can share your personal information | Does Celtic Bank share? | Can you limit this sharing? |

• The table separates reason, Celtic Bank's answer and limitability Sharing & Disclosure
• Celtic Bank shares for everyday business and consumers cannot limit it Sharing & Disclosure
• Celtic Bank answers NO to sharing for its own marketing Sharing & Disclosure
• Celtic Bank does not jointly market with other financial companies Sharing & Disclosure
• Celtic Bank answers NO to all listed affiliate sharing Sharing & Disclosure
• Celtic Bank does not share with nonaffiliates for their marketing Sharing & Disclosure

| 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 |

• Sharing continues after the customer relationship ends Retention & Deletion
• Celtic Bank shares for everyday business and consumers cannot limit it Sharing & Disclosure

| For our marketing purposes— to offer our products and services to you | NO | We don’t share |

• Celtic Bank answers NO to sharing for its own marketing Sharing & Disclosure

| For joint marketing with other financial companies | NO | We don’t share |

• Celtic Bank does not jointly market with other financial companies Sharing & Disclosure

| For our affiliates’ everyday business purposes— information about your transactions and experiences | NO | We don’t share |

• Celtic Bank answers NO to all listed affiliate sharing Sharing & Disclosure
• The federal right to limit sharing covers three listed categories Legal Rights & Agreement Rules

| For our affiliates’ everyday business purposes— information about your creditworthiness | NO | We don’t share |

• Celtic Bank answers NO to all listed affiliate sharing Sharing & Disclosure
• The federal right to limit sharing covers three listed categories Legal Rights & Agreement Rules

| For our affiliates to market to you | NO | We don’t share |

• Celtic Bank answers NO to all listed affiliate sharing Sharing & Disclosure
• The federal right to limit sharing covers three listed categories Legal Rights & Agreement Rules

| For nonaffiliates to market to you | NO | We don’t share |

• Celtic Bank does not share with nonaffiliates for their marketing Sharing & Disclosure
• The federal right to limit sharing covers three listed categories Legal Rights & Agreement Rules

| Questions? | Call 800.854.7848 or go to www.celticbank.com |

• The federal right to limit sharing covers three listed categories Legal Rights & Agreement Rules
• Questions go to a phone number and the Celtic Bank website Legal Rights & Agreement Rules

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Rev. January 2015

• The notice shows a January 2015 revision marker and no effective date Legal Rights & Agreement Rules

| Who we are |

| Who is providing this notice? | Celtic Bank |

• Celtic Bank provides this notice; no other entity is named Legal Rights & Agreement Rules

| What we do |

| How does Celtic 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. |

• Security measures described as complying with federal law Security & Safeguards

| How does Celtic Bank collect my personal information? | We collect your personal information, for example, when you  Open an account  Apply for a loan We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |

• Information is collected from the consumer and from other companies Data Access & Collection

| 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. |

• The federal right to limit sharing covers three listed categories Legal Rights & Agreement Rules

| Definitions |

| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.  Celtic Bank does not share with our affiliate. |

• Celtic Bank answers NO to all listed affiliate sharing Sharing & Disclosure

| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies  Celtic Bank does not share with nonaffiliates so they can market to you. |

• Celtic Bank does not share with nonaffiliates for their marketing Sharing & Disclosure

| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.  Celtic Bank does not jointly market. |

• Celtic Bank does not jointly market with other financial companies Sharing & Disclosure

Other Important Information

• The 'Other Important Information' heading has no body text in this copy Unresolved

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• The 'Other Important Information' heading has no body text in this copy Unresolved