Privacy Policy

You provide important information about yourself when you do business with our financial institution. This information is important because it helps us get a better picture of your needs, provide better service, and complete your transactions more effectively. Federal regulations require us to inform you of the types of information we collect, as well as how and with whom we share the information. Below is an outline of our information sharing policy:

I. INFORMATION SHARING WITH NON-AFFILIATED THIRD PARTIES

A. CATEGORIES OF INFORMATION WE COLLECT

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or forms;
  • Information about your transactions with us;
  • Information we receive from a consumer reporting agency;

B. CATEGORIES OF INFORMATION WE DISCLOSE

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law, unless the customer expressly authorizes or requests it.

C. CATEGORIES OF PARTIES TO WHOM WE DISCLOSE

We are permitted by exceptions to the opt-out requirements to disclose information to service and processing providers without seeking customer approval. We do not disclose nonpublic personal information to joint marketing firms, unless the customer expressly authorizes or requests it.

D. SERVICE AND PROCESSING PROVIDERS EXCEPTION

We choose carefully the companies, such as service or processing providers or check printers, that provide services for us. These companies are contractually required to adhere to our strict standards of information security and confidentiality. They are not allowed to use our customer information for any purpose other than the intended service.

We may disclose the information we collect, as outlined in this policy, to companies that provide services and/or processing on our behalf, as permitted by law or the customerís express authorization or request.

II. INFORMATION SHARING WITH COMPANIES IN OUR CORPORATE FAMILY (AFFILIATES)

The Fair Credit Reporting Act allows financial institutions that are part of a family of companies to share information concerning a customerís account history and experiences with them within the corporate family.

  1. Unless you tell us not to, we also share among our family of companies other information about you, including: Information we obtain from your application, such as your income or your marital status. Information we obtain to verify representations made by you, such as your insurance coverage and available lines of credit.
  2. Companies in our corporate family who may receive this information are: Financial service providers, such as insurance agents and agricultural credit providers.

III. CONFIDENTIALITY, SECURITY, AND ACCURACY

All of our employees are governed by a code of conduct that includes the responsibility to protect the confidentiality of customersí financial and other personal information. Employees are bound by this Privacy Policy and are educated on implementing our security principles and practices. Only employees actively engaged in their assigned duties are authorized to access or use customer information. We maintain physical, electronic, and procedural safeguards that comply with federal regulation to guard your nonpublic personal information.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law, unless the customer expressly authorizes or requests it. Our strict policies for protecting customer information apply equally to active and inactive customers. In accordance with standard banking practice, and the Fair Credit Reporting Act, we share customer information with reputable information reporting agencies.

We work to ensure that the information concerning you is accurate in all aspects. I f we become aware of inaccuracies in our records, we will take prompt steps to make appropriate corrections.