PRIVACY POLICY
 
  We, our, and us means Woori America Bank. This is Woori America Bank's Privacy Policy for our customers. When we use the words "you" and "your" we mean all of our consumer customers who have a continuing relationship with us, by having a business relationship with us, such as having:

Deposit account
Loan account
Credit card
Safe deposit box
Self-directed individual retirement account where we act as custodian or trustee

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms:

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that is owned or controlled by the same company that owns or controls us. Ownership dose not mean complete ownership, but means owning enough to have control. A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT:
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transaction with our affiliates
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION:
We restrict access to nonpublic personal information about you only to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND AFFILIATES:
We may disclose nonpublic personal information about you. The kinds of nonpublic personal information we may disclose to our affiliates are transaction and experience information from our account records:
Information about your transaction and experiences with us, such as
Name
Address
Account balances
Account activity
Types of accounts
Credit card usage
Payments history
Deposits history
Parties to the transaction

Federal law allows us to disclose the information listed above with our affiliates. Customers do not have the right to opt of the discloser of this information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES:
We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS:
We do not disclose nonpublic personal information about our former customers to anyone, except as permitted by law.