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Dear Valued Customer,
As you know, the mission of Camden National
Corporation and its family of companies is to meet your
financial needs while
protecting your privacy. As technological advances continue
at a rapid pace, the need to protect your privacy remains a
top priority. We are committed to honoring your relationship
with great care, beginning with the information you have chosen
to share with us. We recognize and are guided by the belief
that protecting each person's right to privacy is fundamental
to the quality of customer relationships.
To ensure that we uphold your trust and financial welfare, and in accordance
with federal law and regulations, we are
pleased to provide you with our Annual Privacy Notification.
Our family of companies includes Camden National Bank and
Acadia Trust, N.A. (our "Affiliates"), as well
as Union Trust and Acadia Financial Consultants, both of
which are operated as divisions of Camden National Bank.
We do not sell or disclose nonpublic personal information
about our customers or former customers to outside marketers.
However, we are permitted by law to share with our Affiliates
information concerning your customer account history and
experience. The information we share with our Affiliates
helps us provide you with greater convenience and a broader
range of services that may benefit you.
If you have any questions or concerns, please stop in at any one of our
branches or contact the Customer Assistance
Center at 1-800-860-8821. At Camden National, we are
committed to ensuring that your financial privacy is protected.
Sincerely,
Robert W Daigle
President & CEO
Camden National Corporation & Subsidiaries
Privacy Policy
This Privacy Policy applies to Camden
National Corporation and its entire family of companies,
including Camden National Bank and Acadia Trust, N.A. (our "Affiliates"),
as well as the following divisions of Camden National Bank: Union Trust and Acadia Financial Consultants.
Information Management
We are entrusted with sensitive financial
information. While this information is
critical to providing quality service,
we recognize that one of our most important
assets is your trust, and we understand
how important it is that sensitive information
remains confidential. We will limit the
use and collection of information about
you to that which is necessary to administer
our business, provide superior service,
and offer additional products.
Maintenance of Accurate Information
We continually strive to maintain complete
and accurate information about you and
your accounts. We pledge to respond to
requests regarding our records that may
contain inaccurate or incomplete information
on a timely basis. We will investigate
and correct any inaccuracies in a timely
manner. If you need to contact us about
inaccurate information, call our Customer
Assistance Center toll free at 1-800-860-8821,
or contact any of our branches.
Limitations on Employee Access to and
Use of Information
At the time of employment, each employee
is required to sign a copy of our "Code
of Ethics," which contains a statement
on privacy. Each employee is also required
to sign a Pledge of Confidentiality. The
orientation process includes a thorough
discussion of the confidentiality requirements
contained in our Privacy Policy ("Policy").
It is the responsibility of each employee
to thoroughly understand and adhere to
the Policy, and to contact his or her
manager or their Compliance Officer should
there be any doubt whatsoever as to how to
proceed in a specific set of circumstances.
Collecting Information
We collect personally identifiable information
about you for many reasons, including to
help us identify you, evaluate your applications
for products and services, service and
manage your accounts, and offer you useful
financial products and services. We collect
this information from a number of sources, including the following:
- Information provided
by you on account applications and other
forms, including your name, address, telephone number,
e-mail address, social security number,
date of birth, and mother's maiden name.
In the process of credit and investment
review, we collect other information
such as income and employment.
- Information obtained through your account transactions
and account experience with
us or our family of affiliates including
account balance, payment history, account
usage and our communications with you.
- Information from credit bureaus and
similar other companies, such as your
account and payment history with other lenders.
- Information provided by other third
parties, such as demographic firms, in
connection with marketing programs.
- Information obtained online, including information from "cookies" or
other technology that may be used to
track your usage of our website.
Sharing Information With Third Parties
As a general matter, we do not reveal
information about your accounts or other
personally identifiable data to unaffiliated
third parties for their independent use
unless: 1) you request or authorize it,
2) the information is provided to help
complete a transaction initiated by you,
or 3) prior notification has been given
to you regarding the possible disclosure
of information for marketing or similar
purposes and you have been given the opportunity
to decline.
We may share all of the information described
above with certain unaffiliated parties,
subject to applicable law, as described
below (these examples are not intended
to be all inclusive):
- We may share customer
information with companies (service providers)
that perform services for us, such as check
and loan payment coupon printing, marketing,
and promotional material. All of these
companies act on our behalf, are contractually
obligated to keep information that we
have provided them confidential, and
use the information only to provide the services
that we have asked them to perform.
- We may provide information about you and
your account to another financial institution
to jointly offer financial services,
such as credit insurance. If medical information
were disclosed, the information would
only be shared with those who need to know this
information to process the credit insurance
application. We do not allow this information
to be used for any other purpose.
- We may share information with consumer reporting
agencies and other reputable
companies in order to verify the existence
and condition of your accounts. We do
not share your customer information with independent
companies for any other purpose without
your consent.
- We are required by law to
provide certain customer information
to government agencies.
We only disclose customer information
to these agencies when it is mandated by law.
These laws include the Bank Secrecy Act,
USA PATRIOT Act, Internal Revenue Code,
Right to Financial Privacy Act and the
Welfare Reform Act.
- We must disclose customer information to third party
litigants if we are required
to do so by lawful judicial process
or by court order.
Sharing Information With Affiliates
We may share information among our Affiliates.
This information includes:
- Information concerning our experiences with you and your accounts,
- Information you have given to us as part of an application
for one of our products or services, or
- Information we have received from a consumer reporting agency or other third party.
We may also share information we collect about
you within our family of companies to:
- Help provide you with better service
or perform services on our behalf;
- Respond
to communications from you or as you
authorize or request; or
- Make it more
convenient for you to open a new account.
You may request that we not share among
our Affiliates any application information
you provided to us, and any information
we received from third parties, by calling
Customer Assistance at 1-800-860-8821.
After allowing us a reasonable time to
document your request, we will not share
this information among our Affiliates for
their use. Your request will apply to all
of your accounts with us and with our Affiliates,
including any accounts you own jointly
with another person(s). Please be aware,
however, that this choice is limited to
the information about you described above.
Even if you opt out, we still may share
other types of information about you with
our Affiliates as permitted by law, such
as your contact information and transaction
and experience information. In addition,
our Affiliates may continue to use information
they receive from us to perform services
on our behalf, and to respond to communications
from you, as you authorize or request.
Your Choice to Limit Marketing By Affiliates
The Camden National Corporation family
of companies is providing this notice.
Federal law gives you the right to limit
some but not all marketing from the Camden
National Corporation companies. Federal
law also requires us to give you this notice
to tell you about your choice to limit
marketing from the Camden National Corporation
companies. You may limit the Camden National
Corporation companies from marketing their
products or services to you based on your
personal information that they receive
from other Camden National Corporation
companies. This information includes your
income, your account history, and your
credit history. Your choice to limit marketing
offers from the Camden National Corporation
companies will apply until you tell us
to change your choice. Your request will
apply to all of your accounts with us and
with our Affiliates, including any accounts
you own jointly with another person(s).
If you have already made a choice to limit
such marketing offers from the Camden National
Corporation companies, you do not need
to act again. To limit marketing offers,
contact us by calling Customer Assistance
at 1-800-860-8821.
Our Former Customers
Even if you are no longer a Customer,
our Privacy Policy and
practices described therein will continue to apply to you.
Security Procedures
We are committed to the security, integrity
and confidentiality of your financial and
personal information. We maintain physical,
electronic, and procedural safeguards that
comply with federal standards to guard
nonpublic personal information about you.
We continually assess new technology for
protecting information. Access to your
information is granted only in accordance
with our internal security policy and procedures.
Internet Banking and Website
We understand how important it is to protect
the privacy of our online customers and
Website visitors. We collect information
from our Internet Banking and Website users
during the registration process. Personally
identifiable information about you is not
collected unless you specifically provide
such information on a voluntary basis.
Online Banking - We will have access to
your information when you apply for or
use any of our online products or services.
This information is retained on our system
in order to provide the services requested.
E-mail and Online Forms - We will
retain the content of any form or e-mail,
e-mail address and our response to your
communications received via e-mail for
the period of time required by bank regulations.
This allows us to retain an audit trail
and provide you with the product or service
you have requested.
Registration Information -
The information collected from our registration
process may be used as follows:
- To enable us to process, validate and verify registrations.
- To give us information that is useful
for developing new products and services to meet your needs.
- To allow us to potentially vary the
advertising that you see based on your
personal information.
- To allow us to provide you with home pages based on
your personally requested information.
We will not sell our Internet Banking
user list. We will, however, send you e-mail
notifications of new site features and
topic-based news and information alerts,
unless you have notified us in writing
that you do not wish to receive them.
You may edit registration information
or cancel registrations at any time. We
reserve the right to contact any registered
user at any time regarding site-usage problems
or changes to our registration policies.
Cookies- We may collect non-personal
information and data automatically through
the standard operations of our Internet
servers or through the use of "cookies." Cookies
are small text files that are placed on
your computer's hard drive by the
Web server (for example, our www.camdennational.com
server). This allows the Web server: 1)
to recognize repeat users, thus facilitating
the user's ongoing access to and use of
the site; 2) to allow a site to track usage
behavior and compile aggregate data, thus
allowing content improvements and targeted
advertising; and 3) to store passwords
and logon IDs so that you do not have to
enter this information every time.
Cookies are not programs that come into
your system and damage files. Generally,
cookies work by assigning a unique number
to you that has no meaning outside the
assigning Web server. We cannot control
the use of cookies or the resulting information
placed on your hard drive by the Web browser
used by your computer. You can disallow "cookies." You
may do this by selecting the appropriate
option from your Web browser.
We hold your online information to the
same degree of confidentiality as other
financial records. We keep completely confidential
any information you may provide. Upon your
request, we will update or correct any
information specific to your account in
a timely manner.
Hyperlinks to Outside Sites - The privacy
practices of linked Websites are not covered
by our Privacy Policy, and we are not responsible
for the privacy practices, data collection,
security or content of other Websites.
You should be careful to review any privacy
policies posted on linked sites before
using them.
Children's Online Privacy Protection
- We do not knowingly collect personally
identifiable information from children
under 13 years of age online.
Customer Inquiries about this Privacy
Policy
We value your relationship. We want you
to understand how we use the information
you provide and our commitment to ensuring
your personal privacy. If you have questions
about our Privacy Policy or the privacy
of your information, please call our Customer
Assistance Center toll free at 1-800-860-8821,
or contact any of our branches.
This privacy statement applies to individuals
and not to business entities or business
transactions. We reserve the right to make
changes to this statement. This statement
is for general guidance and does not constitute
a contract, nor does it modify or amend
any agreements we have with you.
OFFICE LOCATIONS Camden National Bank
1-800-860-8821
Bangor Belfast Bingham Bucksport Camden
Square Corinth Damariscotta Dover-Foxcroft
Downtown Camden Farmington Greenville Hampden
Hermon
Kennebunk Kingfield Lewiston Madison Milo Phillips Portland Rangeley Rockland
Thomaston Stratton Union Vinalhaven Waldoboro
www.CamdenNational.com
Union Trust, a division of Camden National
Bank
1-800-432-1592
Bar Harbor Blue Hill Castine Ellsworth
Milbridge Jonesport Stonington Town Hill
www.UnionTrust.com
Acadia Trust, N.A.
1-800-224-5166
Portland
1-800-486-6659
Bangor
1-800-432-1592
Ellsworth
www.AcadiaTrust.com
Member FDIC 4/08
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