Privacy and Opt-Out Notice

Rev. 3/16

FACTS

WHAT DOES WEBSTER BANK DO WITH YOUR PERSONAL INFORMATION?

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.

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 transaction history
Account balances and payment history
Credit history and credit scores

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

Reasons we can share your personal information	Does Webster Bank share?	Can you limit this sharing?
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
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes - information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes - information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share

To limit our sharing

Call toll free 1-800-357-6246

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

Questions?

Call toll free 1-800-357-6246

Who we are

Who is providing this notice?

Webster Financial Corporation and its family of companies: Webster Bank, N.A. (including its divisions: HSA Bank, Webster Investment Services, Webster Financial Advisors and its trade name Webster Private Bank); Webster Business Credit Corp.; Webster Capital Finance, Inc.; and Webster Wealth Advisors, Inc.

What we do

How does Webster 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.

How does Webster Bank collect my personal information?

We collect your personal information, for example, when you

open an account or make deposits or withdrawals from your account
pay your bills or apply for a loan
use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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.
See below for information on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to you alone unless you tell us otherwise.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include financial companies with a common corporate identity of Webster’s name such as Webster Financial Corporation; Webster Bank N.A.; Webster Business Credit Corp.; Webster Capital Finance, Inc. and Webster Wealth Advisors, Inc.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Webster Bank does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include credit and debit card companies, broker-dealer companies, insurance companies and brokers, and financial services companies.

Other important information

For Vermont Residents. We will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization or consent, but we may share information about our transactions or experiences with you with our affiliates without your consent. You are not required to contact us for these elections to apply.

For California Residents. We will not share information we collect about California residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts. Among our affiliates, we will limit information sharing to the extent permitted by California law. You are not required to contact us for these elections to apply.

For Nevada Residents. We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by calling us at the telephone number on the front page of this form. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number - 702-486-3132; email: BCPINFO@ag.state.nv.us.

Privacy and Opt-Out Notice

Important Notification