In 1999, Congress enacted and the President
signed a new law governing how financial institutions handle consumers’
personal financial information. Exchange Bank of Missouri has
always valued its customers’ privacy highly. We have protected
your confidential information in many ways over the years, and
we will continue to do so in the future. We hope to never lose
sight of the fact that our customers’ trust is our most
important asset. When the new law took effect, we did not have
to make many changes to be fully in compliance. One of the things
we are required to do is to give you this notice of our policies
and practices regarding the disclosure of your nonpublic personal
financial information. This notice does not represent a change
in our long-standing policies regarding the protection of your
confidential information. It only represents a statement of what
those policies are as required by this law.
We collect nonpublic personal information
about you from the following sources:
- Information we receive from you on applications or other
forms:
- Information about your transactions with us, our affiliates
or others; and
- Information we receive from a consumer reporting agency
“Nonpublic personal information”
is nonpublic information about you that we may obtain in connection
with providing a financial product or service to you. This could
include information such as account balances, payment history
or overdraft history.
We do not disclose any nonpublic personal information
about our customers or former customers to anyone, except as permitted
by law.
We may disclose the following information
to companies that perform marketing services on our behalf or
to other financial institutions with which we have a joint marketing
agreement:
- Information we receive from you on an application or other
forms, such as your name, address, social security number,
assets and income;
- Information about your transactions with us, our affiliates
or others, such as your account balance, payment history,
parties to transactions and credit usage;
- Information we receive from a consumer reporting agency,
such as your creditworthiness and credit history.
We restrict access to nonpublic personal information
about you to those 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 information.
If you have any questions regarding this policy,
please contact us at (660) 248-3388.
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