CELTIC BANK PRIVACY NOTICE

Sharing & Disclosure · Context

The table separates reason, Celtic Bank's answer and limitability

The notice explains that all financial companies need to share customers' personal information to run their everyday business. For each listed reason it gives Celtic Bank's answer and whether the consumer can limit the sharing. In the limit column, 'NO' means the consumer cannot limit that sharing, while 'We don't share' marks a reason Celtic Bank answers that it does not share.

Supporting quotations

| 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. |

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

Sharing & Disclosure · Company practice

Celtic Bank shares for everyday business and consumers cannot limit it

Celtic Bank answers YES to sharing personal information for its everyday business purposes and NO to whether the consumer can limit that sharing. The notice's examples are processing transactions, maintaining accounts, responding to court orders and legal investigations, and reporting to credit bureaus; 'such as' makes them illustrations of the category. Every other listed reason is answered NO.

Supporting quotations

| 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 |

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

Qualifications & exceptions

• The consumer cannot limit this sharing according to the table's 'Can you limit this sharing?' column.
• The examples are introduced by 'such as' and are not exhaustive.

Sharing & Disclosure · Company practice

Celtic Bank answers NO to sharing for its own marketing

For Celtic Bank's marketing purposes, described as offering its products and services to the consumer, the notice answers NO to sharing and 'We don't share' in the limit column. The card concerns Celtic Bank's own marketing; affiliates and nonaffiliates marketing are separate rows.

Supporting quotations

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

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

Qualifications & exceptions

• 'We don't share' appears in the 'Can you limit this sharing?' column, consistent with the NO answer to sharing.

Sharing & Disclosure · Company practice

Celtic Bank does not jointly market with other financial companies

The notice answers NO to sharing for joint marketing with other financial companies and states 'We don't share'. The definitions describe joint marketing as a formal agreement between nonaffiliated financial companies that together market financial products or services, then state 'Celtic Bank does not jointly market.' Both entries point to no joint-marketing sharing under this notice.

Supporting quotations

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

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

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

Sharing & Disclosure · Company practice

Celtic Bank answers NO to all listed affiliate sharing

Celtic Bank answers NO, with 'We don't share', to each listed affiliate reason: affiliates' everyday business purposes involving transaction and experience information, affiliates' everyday business purposes involving creditworthiness information, and affiliates marketing to the consumer. The definitions add that Celtic Bank 'does not share with our affiliate'; that sentence is unqualified and uses the singular, without naming the affiliate. Read together, the notice states no affiliate sharing for the listed purposes and no sharing with 'our affiliate'.

Supporting quotations

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

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

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

Qualifications & exceptions

• The definition's negative sentence is unqualified and uses the singular 'our affiliate'.
• Affiliate creditworthiness sharing and affiliate marketing are two of the three categories the limit section says federal law lets consumers limit; the table answers both NO.

Not stated here

• The supplied copy does not identify Celtic Bank's affiliates.

Cross-references

• referred to by (model-proposed): The federal right to limit sharing covers three listed categories — The limit section names affiliate creditworthiness sharing and affiliate marketing; the affiliate card records Celtic Bank's NO answers to those same categories.

Sharing & Disclosure · Company practice

Celtic Bank does not share with nonaffiliates for their marketing

The notice answers NO, 'We don't share', to nonaffiliates marketing to the consumer. Its definition describes nonaffiliates as companies not related by common ownership or control, which can be financial or nonfinancial, and states that Celtic Bank does not share with nonaffiliates so they can market to the consumer. The definition ties the negative statement to that marketing purpose.

Supporting quotations

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

| 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. |

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

Qualifications & exceptions

• The definition limits its negative statement to sharing 'so they can market to you'; it does not state that no other sharing with nonaffiliates occurs.

Cross-references

• referred to by (model-proposed): The federal right to limit sharing covers three listed categories — The limit section names nonaffiliate marketing; the nonaffiliate card records Celtic Bank's NO answer to that category.