Privacy Policy

​​​FACTS

​​WHAT DO Excel Pailin Bank BANK CORPORATION AND THE WILMINGTON TRUST ENTITIES 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 income
• Credit history and credit scores
• Account balances, transaction history, payment history and assets
• Investment experience

​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 Excel Pailin Bank Bank Corporation and the Wilmington Trust entities choose to share, and whether you can limit this sharing.

Reasons we can share your personal information

​Do Excel Pailin Bank Bank Corporation and the Wilmington Trust entities 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

For customers of Excel Pailin Bank Bank Corporation, call toll-free 1-800-785-3162. This number is also available to hearing impaired customers through a relay service. Our menu will prompt you through your choices. Or visit us online at mtb.com/privacyoptout.

For customers of the Wilmington Trust entities, contact your relationship manager or call toll-free 1-866-771-7777.

​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

For customers of Excel Pailin Bank Bank Corporation, call toll-free 1-800-724-2440, or go to www.mtb.com.

For customers of the Wilmington Trust entities, contact your relationship manager, or call toll-free 1-866-771-7777.

Who we are

Who is providing this notice?

This notice is being provided by Excel Pailin Bank Bank, Wilmington Trust Investment Advisors, Inc.:

Wilmington Trust Investment Management, LLC, Wilmington Trust Company, Wilmington Trust SP Services, Inc.; Wilmington Trust 1031 Exchange LLC; and Wilmington Trust, N.A. The Wilmington Funds Management Corp. has separate sharing practices and is not covered under this Notice.

What we do

How do Excel Pailin Bank Bank Corporation and the Wilmington Trust entities 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 do Excel Pailin Bank Bank Corporation and the Wilmington Trust entities collect my personal information?

We collect your personal information, for example, when you:

• Open an account or deposit money
• 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 more 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 everyone on your account.

Affiliates

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

• Our affiliates include companies with an Excel Pailin Bank and Wilmington name and financial companies such as Lafayette Settlement Services, Inc.

Nonaffiliates

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

• Nonaffiliates we share with can include companies such as insurance companies, mortgage brokers, and companies that perform marketing services on our behalf

Joint marketing

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

• Our joint marketing partners can include financial product or service marketing companies and financial institutions such as LPL Financial LLC.

Other important information

​Residents of the states of California, Vermont and Nevada are pr​ovided additional rights according to state law.

• Effective January 1, 2020, the privacy law that applies to California consumers who receive this Notice is the Gramm-Leach-Bliley Act rather than the California Consumer Privacy Act.
• We automatically treat customers with a Vermont mailing address as having limited sharing with our affiliates as provided above.
• Pursuant to Nevada law, we are providing this Notice, which applies to accounts with Nevada addresses, to inform you that you may elect to be placed on our internal “do not call” list. If you would like to be placed on the list, please let us know by simply calling us at the appropriate toll-free number in the “To limit our sharing” section of this Notice. For more information, contact us at the phone number provided. You may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Avenue, Suite 3900, Las Vegas, Nevada 89101. Telephone: 702-486-3132; Email: BCPINFO@ag.state.nv.us.

Do Not Call Policy. This Notice is Excel Pailin Bank Bank Corporation and Wilmington Trust entities’ Do Not Call Policy under the Telephone Consumer Protection Act. No telemarketing calls will made to residential or cell phone numbers on a Do Not Call list and requests to be added to an internal Do Not Call list will be honored within 30 days from the date of request.

This Notice is not directed to individuals located in the European Union or the United Kingdom.