|FACTS||WHAT DOES TENSAS STATE 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:
|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 Tensas State Bank chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Tensas State 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
|For our marketing purposes -
to offer our products and services to you
|For joint marketing with other financial companies||No||No|
|For our affiliates' everyday business purposes -
information about your transactions and experiences
|For our affiliates' everyday business purposes -
information about your creditworthiness
|For our affiliates to market to you||Yes||Yes|
|For our nonaffiliates to market to you||No||No|
|Questions:||Call 318-467-5401 or go to www.tensas.com|
|What We Do|
|Who is providing this information?||
Tensas State Bank
|How does Tensas State 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 Tensas State Bank collect my personal information?||We collect your personal information, for example, when you
|Why can't I limit all sharing?||Federal law gives you the right to limit only
|What happens when I limit sharing for an account I hold jointly with someone else?||Unless you tell us it applies only to you, all joint owners will opt out.|
|Affiliates||Companies related by common ownership or control. They can be financial and non-financial companies.
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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.
- 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.
- 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
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.