FundCash Credit is a division of Presidential Bank. At Presidential Bank, protecting the privacy and confidentiality of your personal information is important to us. We value your business and the trust you put in Presidential Bank. We would like to assure you that, as explained more fully below, we will not make your personal information available for marketing purposes to anyone outside our organization.

In order to offer you the financial products and services you seek to obtain, we collect, maintain and use information about you on a routine basis. To help you better understand how your personal information is protected, we provide you with the following statement describing our practices and policies with respect to the privacy of customer information.

At Presidential Bank:

We do not disclose any nonpublic personal information about you to anyone except as permitted by law. We may, for example, disclose nonpublic personal information about you to others for purposes of servicing your account with us, processing transactions that you request or authorize, or obtaining credit or other verification checks.

We may collect information volunteered by you during the application process, gathered from your transactions and experiences with us and obtained from other authorized sources, such as credit bureaus. All information gathered and stored by Presidential Bank is used for specific business purposes, such as administering your account, complying with state/federal banking regulations, protecting against fraud and developing a better understanding of your financial needs to provide you with improved products and services.

We restrict the access to your personal and account information to 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.

Correcting and Updating Your Information

The accuracy of your personal information is important to us. If you are a customer and have a concern about your personal or account information maintained at FundCash, or want to correct, update, or confirm your information, please go to Contact us and send us an e-mail or call Customer Service. We will be happy to review and update our records.

Internet Security

When you interact with a FundCash web site, we strive to make that experience easy, meaningful, and secure. We accomplish this in the following ways.

Cookies and Personal Identification. Standing alone, cookies, GIFs and other Web tools, as well as data derived from them, do not identify you personally. They merely recognize your browser. Unless you choose to identify yourself to FundCash through the Apply Online process, you remain anonymous to us. Cookies come in two flavors: persistent and session-based.

Persistent Cookies. Only persistent cookies remain on your computer after you've closed your browser or turned off your computer. They include such information as a unique identifier for your browser that only FundCash can read and use, and the fact that you are a customer or prior Web site visitor (whatever the case may be). We are especially careful about the security and confidentiality of the information we send through persistent cookies.

Session-based Cookies. Session cookies exist only during an online session with FundCash. They disappear from your computer when you close your browser software or turn off your computer. Session cookies allow you to conduct transactions or request your own personal or account information on our Web site. They contain encrypted or encoded information about your account(s), and/or identifying information that you have previously provided to us. This information allows FundCash to process your online transactions and requests. Examples include a request to see your account balance or to place a trade order on your behalf. Without the session cookie information, we would not be able to complete your Web transactions securely. Session cookies help us make sure you are who you say you are after you've logged in.

Secure Server through Verisign. Web security and keeping customer information secure is important to FundCash. All customer account transactions are done through the Presidential Bank secure web server (https://secure.presidential.com). On the bottom of each page of the FundCash web site, we have placed the Versign secure site logo that links to Verisign telling a visitor that our site is on a secure server.

Secure browsers. In order to better protect your personal information, Presidential Bank has adopted the policy of our customers using browsers capable of 128-bit encryption. This insures that the process of sending us your personal information over the World Wide Web is safe. The information is encrypted by your web browser using a "key" that will enable it to be legally decrypted only by us. Using a 128-bit cipher makes it exponentially more difficult than the previously accepted standard of 40-bit encryption.

In order to check the level of encryption your current browser is using, on the browser window choose the "Help" menu. From the Help menu choose "About Internet Explorer" or "About Netscape", depending on your browser type. In the "About" page it should say "Cipher Strength: 128-bit" for Microsoft's Internet Explorer, or Netscape users will see "This version supports high-grade (128-bit) security...". If you are using any browser with a lower strength cipher than 128-bit encryption, you will NOT be able to view the online application for FundCash. You need to upgrade your browser version.

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