FACTS	WHAT DOES Wealth Investment Trust 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 Transaction history Account Balance Credit History Payment History Account Transactions When you are no longer our customer, we continue to share your information as described in this notice.
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 reason Wealth Investment Trust Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Wealth Investment Trust Bank Share?	Can you limit 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	No	We don’t share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don’t share
For nonaffiliates to market to you	No	We don’t share
Questions?	www.westtrustpb.com

What We do
How does Wealth Investment Trust 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Wealth Investment Trust Bank collect my personal information?	We collect personal information, for example, when you Open an account Show your drivers license Apply for a loan Provide account information Show your government-issued ID 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: Shared 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Wealth Investment Trust Bank has no affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Wealth Investment Trust 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 card companies.

Wealth Investment Trust Bank is committed to safeguarding the information our clients and customers share with us. Unfortunately, criminals have many methods they can use to obtain this information from you without your knowledge including the Internet, over the phone or through the trash you throw away. We have compiled helpful information concerning identity theft and financial crime and how you can protect yourself.

Online Banking Security

Wealth Investment Trust Bank’s online banking services contain security measures to limit the possibility of unintended distribution of confidential information and the potential for fraud-related losses. The service runs on a robust operating system. State of the art firewall technology is the first line of defense in preventing unauthorized access to any information housed. Included in this operating system is the capacity to allow only secure connections by end users.

However, there are steps you should take to further protect yourself while online.

• Do not write down your password and store it near your computer system.
• Change your password periodically
• Change your password immediately if you suspect it has been compromised.
• Never share or give your username. password or security questions to anyone regardless of the circumstances.
• Avoid using public computers to access your Internet Banking
• Ensure that your computer is equipped with up to date anti-virus software protection
• Do not provide any personal information to web sites that do not use encryption or other secure methods of protection
• Update your computer with the patches as recommended by the operating system manufacturer

Selecting Strong Passwords

The objective when creating a strong password is to make it as difficult as possible for anyone to make an educated guess about what you have selected. However, it should be developed in a manner that makes it simple to remember without writing it on paper.

Words to Avoid When Creating Passwords

• Do not use your or any family member’s name, nickname, or initials in any form
• Do not use your user ID in any form.
• Do not use other information that can be easily obtained about you. This includes birth dates, telephone numbers, license plate numbers, or Social Security numbers
• Do not use all the same character (i.e., 55555) or consecutive keys on a keyboard (i.e., QWERTY).
• Do not use words that would appear in a dictionary as they can be easily compromised by password cracking programs that employ electronic dictionaries.

Tips for Choosing Good Passwords

• Develop a method of creating a password that makes it easier for you to remember, thus eliminating the temptation to write it down
• You can use a favorite phrase, selecting the first letter of each word to create your password. For added security, be sure to include at least one number. For example, “Win One For The Gipper” becomes the password WOFTG7.
• Use two short words and connect them with a number. For example, THE8DUKE.
• Use a word that you can easily remember, but remove the vowels and replace them with numbers. For example, the word “Internet” becomes the password 1NT3RN6T.

System Timeout/Lockout

In order to prevent someone from gaining unauthorized access to your financial information, you should always log off the system before walking away. As an added level of protection, the Internet Banking system has a timeout feature that automatically terminates your session after a period of inactivity.

For additional protection, access to the system accounts will be locked after three unsuccessful login attempts.

Commercial Banking Internet Security

In addition to the information provided here, commercial & small business account holders should institute additional security measures in order to further protect their online banking for example:

• Perform your own annual internal risk assessment & evaluation on all online accounts
• Establish internal policies regarding employee internet usage
• Ensure all company computers are equipped with up to date anti-virus protection software

What is Identify Theft?

Identify theft occurs when someone uses your personal information such as your Social Security number, account number or credit number, without your permission, to commit fraud or other crimes.
Protect yourself by:

• Reporting lost or stolen checks or credit cards immediately
• NEVER give out any personal information
• Shred all documentation that contains confidential information (i.e. bank and credit card statements, bills and invoices that contain personal information, expired credit cards and pay-stubs)
• Check your credit report annually

Check Your Credit

Any consumer can request one free copy of his or her credit report per year. Reviewing your credit report can help you find out if someone has opened unauthorized financial accounts, or taken out unauthorized loans, in your name.
Contact the three major credit bureaus to request a copy.

How to Contact Us

Our Customer Accounts Department can be reached at  via email at service@witrustb.com. Please do not hesitate to contact us immediately to report any of the following:
General Internet Banking inquiries

• Lost or stolen Access ID, User Name or Password
• Receipt of suspicious or fraudulent mail
• Email or websites related to Wealth Investment Trust Bank

How Does Regulation E Apply to Your Accounts with Internet Access?

Regulation E protects individual consumers engaging in electronic fund transfers (EFT). Non-consumer (or business) accounts are not protected by Regulation E.
An EFT is an electronic exchange or transfer of money from one account to another, either within a single financial institution or across multiple institutions initiated through electronic-based systems. The term includes, but is not limited to:

• Point-of-sale transfers
• Automated Teller Machine transfers (ATM)
• Direct deposits or withdrawal of funds
• Transfers initiated by telephone
• Transfers resulting from debit card transactions, whether or not initiated through an electronic terminal
• Transfers initiated through internet banking/bill pay

How does Regulation E apply to a consumer using internet banking and/or bill pay?

Regulation E is a consumer protection law for accounts established primarily for personal, family, or household purposes. Non-consumer accounts, such as Corporations, Partnerships, Trusts, etc. are excluded from coverage. Regulation E gives consumers a way to notify their financial institution that an EFT has been made on their account without their permission.

Is My Account Protected?

Any fraudulent or unauthorized EFTs are protected. For a description on what an EFT is under Regulation E please refer to the section “What is an EFT?”

What are the applicable protections provided to consumers under the Act for consumers who use internet banking and/or bill pay?

If you believe an unauthorized EFT has been made on your account, contact us immediately. If you notify us within two (2) business days after you learn of the unauthorized transaction, the most you can lose is $50. Failure to notify the bank within two (2) business days may result in additional losses.

No Liability Limit:

Unlimited loss to a consumer account can occur if the periodic statement reflects an unauthorized transfer of money from your account, and you fail to report the unauthorized transfer to the bank within 60 days after we mailed your first statement in which the problem or error appeared

Exclusions from Protection

The term EFT does not include:

• Checks – Any transfer of funds originated by check, draft or similar paper instrument or any payment made by check, draft or similar paper instrument at an electronic terminal
• Check Guarantee or Authorization – Any transfer of funds that guarantees payment or authorizes acceptance of a check, draft or similar paper instrument but does not directly result in a debit or credit to a consumer’s account
• Wire or other similar transfers – Any transfer of funds through a wire transfer system that is used primarily for transfers between financial institutions or between businesses
• Automatic transfers by account-holding institution – Any transfer of funds under an agreement between a consumer and a financial institution which provides that the institution will initiate individual transfers without a specific request from the consumer:
  • Between a consumer’s accounts within the financial institution
  • From a consumer’s account to an account of a member of the consumer’s family held in the same financial institution
  • Between a consumer’s account and an account of the financial institution, except that these transfers remain subject to § 205.10(e) regarding compulsory use and sections 915 and 916 of the act regarding civil and criminal liability. (Refer to “Coverage in Detail” section below for a detail explanation of protections provided under Regulation E)
• Telephone-initiated transfers – Any transfer of funds that:
  • Is initiated by a telephone communication between a consumer and financial institution making the transfer; and
  • Does not take place under a telephone bill-payment or other written plan in which periodic or recurring transfers are contemplated.

Regulation E – Coverage in Detail

For a complete detail explanation of protections provided and not provided under Regulation E; please visit the following link as provided by the FDIC:
FDIC – Electronic Funds Transfers (Regulation E)

How Regulation E applies to a non-consumer using internet banking and/or bill pay?

A non-consumer (business) customer using internet banking and/or bill pay is not protected under Regulation E. Because the non-consumer account is not protected by Regulation E special consideration should be made by the Business to ensure adequate internal security controls are in place that commensurate with the risk level that the customer is willing to accept.

Precautions a non-consumer should take because they are not protected by Regulation E

As a non-consumer customer you should perform a periodic assessment to evaluate the security and risk controls you have in place. The risk assessment should be used to determine the risk level associated with any internet activities the non-consumer customer performs and any controls in place to mitigate these risks.

For more information and tips on how to safe-guard your online security, take a look at the following videos and links

Protecting Personal Information: A Guide for Business

 

Terms for Adding Your Wealth Investment Trust Bank Card to a Digital Wallet

 

These Terms for Adding Your Wealth Investment Trust Bank Card to a Digital Wallet (the “Terms”) apply to your use of a Wealth Investment Trust Bank Visa® debit card (“Wealth Investment Trust Bank Card”) with a Digital Wallet (“Wallet”). In these Terms, “you” and “your” refer to the cardholder of the Wealth Investment Trust Bank Card, and “we,” “us,” “our,” and “Bank” refers to Wealth Investment Trust Bank.

 

When you add a Wealth Investment Trust Bank Card to the Wallet, you agree to these Terms:

 

 

1. Use of Wallets and Wealth Investment Trust Bank Cards. A Wallet can enable you to create virtual representations of your eligible Wealth Investment Trust Bank Card(s) on your mobile device. This may permit you to make (i) contactless payments at merchants’ contactless-enabled point-of-sale terminals or readers that accept contactless payments using your eligible Wealth Investment Trust Bank Card and the Wallet (in lieu of you presenting your physical Eligible Card) and (ii) in-app or other digital commerce payments at merchants participating in the Wallet. To complete transactions above a certain dollar amount, merchants may require presentation of a physical companion card or a government-issued form of identification for inspection to authenticate your identity.

 

 

2. Adding Your Wealth Investment Trust Bank Card. You can add an eligible Wealth Investment Trust Bank Card to the Wallet by following the instructions of the Wallet provider. Only Wealth Investment Trust Bank Cards that we indicate are eligible can be added to the Wallet. We may, in our sole discretion and for any reason permitted by law, determine that your Wealth Investment Trust Bank Card is not eligible for enrollment in the Wallet. If you are a minor (i.e. under the age of 18 unless you are in Alabama or Nebraska, where it is defined as under 19, or Puerto Rico or Mississippi, where it is defined as under 21), you need the consent of your parent or guardian to accept these Terms. You represent and warrant that you have this consent and that you otherwise have the capacity to enter into the Terms. When you add a Wealth Investment Trust Bank Card to the Wallet, the Wallet allows you to use the Wealth Investment Trust Bank Card to enter into transactions where the Wallet is accepted. The Wallet may not be accepted at all places where your Wealth Investment Trust Bank Card is accepted.

 

 

3. Your Wealth Investment Trust Bank Card Terms Do Not Change. The terms and account agreement that govern your Wealth Investment Trust Bank Card do not change when you add your Wealth Investment Trust Bank Card to the Wallet. The Wallet simply provides another way for you to make purchases with the Wealth Investment Trust Bank Card. Wealth Investment Trust Bank does not charge you any additional fees for adding your Wealth Investment Trust Bank Card to the Wallet or using your Wealth Investment Trust Bank Card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.

 

 

4. We Are Not Responsible for Third-Party Wallets. If we are not the provider of the Wallet and are not responsible for providing the Wallet service to you, then we are only responsible for supplying information securely to the third-party Wallet provider to allow usage of the Wealth Investment Trust Bank Card in the third-party Wallet. We are not responsible for any failure of a third-party Wallet or the inability to use the third-party Wallet for any transaction. We are not responsible for the performance or non-performance of the third-party Wallet provider or any other third parties regarding any agreement you enter into with the third-party Wallet provider or associated third-party relationships that may impact your use of the Wallet. You agreed to protect and keep private all information required to use the Third-Party Wallet. Failure to protect this information could allow others to use your Wealth Investment Trust Bank Card and access personal or Card information. Adding your Wealth Investment Trust Bank Card to the Wallet constitutes providing an access device to the operator of the Wallet, and also authorization for subsequent transactions. To revoke this authorization, you must notify us in advance and provide us the opportunity to close and reissue your Wealth Investment Trust Bank Card. IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE THIRD PARTY AGREEMENTS BEFORE CREATING, ACTIVATING OR USING A WALLET.

 

 

WE MAKE NO GUARANTEES ABOUT THE INFORMATION SHOWN IN THIRD-PARTY WALLETS. WE ALSO ARE NOT RESPONSIBLE FOR YOUR SUPPORTED DEVICE OR THE SOFTWARE OR HARDWARE IT CONTAINS AND MAKE NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING THE SAME.

 

 

5. You Are Responsible for Reporting Errors. You are responsible for identifying and notifying us of any billing errors that occur as a result of your usage of a Wallet. We will resolve any errors in accordance with the terms and account agreement governing your Wealth Investment Trust Bank Card.

 

 

6. Contacting You Electronically and by Email. As permitted by applicable law, you consent to receive electronic communications and disclosures from us in connection with your Wealth Investment Trust Bank Card and the Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any Wealth Investment Trust Bank Card. It may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes.

 

 

7. Removing Your Wealth Investment Trust Bank Card from the Wallet. You should contact the Wallet provider on how to remove a Wealth Investment Trust Bank Card from the Wallet. Your authorization for transactions through the Wallet is not revoked until you notify us in advance and provide us the opportunity to close and reissue your Wealth Investment Trust Bank Card.

 

 

8. Governing Law and Disputes. These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Wealth Investment Trust Bank Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Wealth Investment Trust Bank Visa Card Agreement.

 

 

9. Ending or Changing these Terms; Assignments. We can end or suspend your ability to use your Wealth Investment Trust Bank Card from a Wallet at anytime and reserve the right to reject or block any Wallet transactions. We also can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. We will provide notice if required by law. IF YOU DO NOT ACCEPT ANY REVISIONS MADE TO THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE YOUR USE OF AND DELETE ALL Wealth Investment Trust Bank CARDS IN THE WALLET. You cannot change these terms, but you can terminate these Terms at any time by removing all Wealth Investment Trust Bank Cards from the Wallet. We can also assign these Terms. You may not assign these Terms.

 

 

10. Disclaimer of Warranties. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY Wealth Investment Trust Bank CARD AND RELATED INFORMATION FOR USE WITH A WALLET IS PROVIDED TO YOU “AS IS” AND “AS AVAILABLE”, WITH ALL DEFECTS THAT MAY EXIST FROM TIME TO TIME AND WITHOUT WARRANTY OF ANY KIND, AND Wealth Investment Trust Bank HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO ANY Wealth Investment Trust Bank CARD AND RELATED INFORMATION FOR USE WITH A WALLET, EITHER EXPRESS, IMPLIED OR STATUTORY.

 

 

USE OF A Wealth Investment Trust Bank CARD AND RELATED INFORMATION FOR USE WITH A WALLET INVOLVES THE ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD PARTY CONNECTIONS. BECAUSE WE DO NOT OPERATE OR CONTROL THESE CONNECTIONS, WE CANNOT GUARANTEE THE PRIVACY OR SECURITY OF THESE DATA TRANSMISSIONS. FOR PERSONAL OR CONFIDENTIAL INFORMATION SENT TO OR FROM Wealth Investment Trust Bank OVER THE INTERNET FROM YOUR SUPPORTED DEVICE, WE RESERVE THE RIGHT TO LIMIT SUCH CONNECTIONS TO “SECURE SESSIONS” THAT HAVE BEEN ESTABLISHED USING TRANSPORTATION LAYER SECURITY OR OTHER SECURITY STANDARDS WE SELECT.

 

 

This Section 10 shall survive any termination of these Terms.

 

 

11. Limitation of Liability. EXCEPT AS OTHERWISE PROVIDED BY LAW, IN NO EVENT SHALL Wealth Investment Trust Bank, ITS DIRECT OR INDIRECT SUBSIDIARIES, AFFILIATES, AGENTS, EMPLOYEES OR REPRESENTATIVES BE LIABLE FOR DEATH, PERSONAL INJURY, PROPERTY DAMAGE, OR ANY INCIDENTAL, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF OR DAMAGE TO DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL OR FINANCIAL DAMAGES, LOST REVENUES, OR OTHER LOSSES OF ANY KIND, ARISING OUT OF THESE TERMS OR IN ANY WAY RELATED TO YOUR USE OR INABILITY TO USE ANY Wealth Investment Trust Bank CARD IN CONJUNCTION WITH A NON-Wealth Investment Trust Bank WALLET, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

 

 

This Section 11 shall survive any termination of these Terms.

 

 

12. License. ANY INFORMATION REGARDING ANY Wealth Investment Trust Bank CARD WE PROVIDE IN CONJUNCTION WITH A WALLET IS LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THESE TERMS. Wealth Investment Trust Bank RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU.

 

 

You are granted a non-exclusive, non-sublicensable, non-transferable, personal, limited license to install and use the information we provide regarding any Wealth Investment Trust Bank Card for use with a Wallet solely in accordance with these Terms of Use. The license is limited to use on any supported devices that you own or control and as permitted by any applicable third party agreements.

 

 

Certain software that Wealth Investment Trust Bank uses to provide the information regarding your Wealth Investment Trust Bank Card has been licensed from third parties (each a “Third Party Licensor”) that are not affiliated with Wealth Investment Trust Bank. This limited right to use such software is revocable at the discretion of Wealth Investment Trust Bank. Wealth Investment Trust Bank and its Third Party Licensors retain all right, title and interest in and to the software used by Wealth Investment Trust Bank to provide the information regarding your Wealth Investment Trust Bank Card and any modifications and updates thereto. All third party intellectual property marks, including the logos of merchants, are the property of their respective owners.

 

 

13. Miscellaneous. Your access to and use of your Wealth Investment Trust Bank Card, and related information, in conjunction with a Wallet is subject to all applicable international, federal, state and local laws and regulations. We reserve the right to seek all remedies available at law and in equity for violations of these Terms. These Terms (including all agreements and policies referenced in these Terms, which are not modified or superseded by these Terms) set forth the entire understanding and agreement between you and us, whether written or oral, with respect to the subject matter hereof and supersede any prior or contemporaneous understandings or agreements with respect to such subject matter. If any part of these Terms are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of these Terms shall continue in effect. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. The Section titles in these Terms are for convenience only and have no legal or contractual effect. These Terms shall inure to the benefit of and be binding upon the parties hereto and their successors and assigns. There are no third-party beneficiaries to these Terms, except that Wealth Investment Trust Bank affiliates are third-party beneficiaries of these Terms with the right to enforce them.

 

 

The terms of this Section 13 will survive termination of these Terms, together with any other terms which by their nature the parties contemplate should survive.

 

 

14. Indemnification. You shall indemnify and hold Wealth Investment Trust Bank, its licensors, sponsors, agencies and its parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of (i) your use of any Wealth Investment Trust Bank Card and the Wallet or (ii) any breach of the terms and conditions set forth in these Terms by you, your authorized users of the Wallet using your Wealth Investment Trust Bank Card or credentials. You must use your best efforts to cooperate with us in the prosecution or defense of any such claim.

 

 

15. Privacy. Your privacy and the security of your information are important to us. Our Privacy Policy, (available online at: https://www.witrustb.com/about-us/bank-policies/privacy/), as applicable, applies to your use of your Wealth Investment Trust Bank Card in the Wallet. You agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Wealth Investment Trust Bank Card transactions, and to improve our ability to offer these services. This information helps us to add your Wealth Investment Trust Bank Card to the Wallet and to maintain the Wallet. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider.

 

 

16. Notices. We can provide notices to you concerning these Terms and your use of a Wealth Investment Trust Bank Card in the Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. 

 

 

17. Questions. If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your Wealth Investment Trust Bank Card.

 

Wealth Investment Trust Bank will only pay agent fees for PPP applications if a copy of the agent agreement is provided to, and approved by, Wealth Investment Trust Bank at the time the borrower submits the PPP loan application