Privacy Notice

 Rev 12/2010

FACTS

WHAT DOES the elkhart 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:

n  Social Security number and Overdraft History

n  Account balances and Checking account information

n  Payment history and Wire transfer instructions

When you are no longer our customer, we continue to share your information as described in this notice.   

 

 

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 The Elkhart State Bank chooses to share; and whether you can limit this sharing.

 

 

Reasons we can share your personal information

Does The Elkhart 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

Yes

No

For our marketing purposes—
to offer our products and services to you

No

We don’t share

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes—
information about your transactions and experiences

No

We don’t share

For our affiliates’ everyday business purposes—
information about your creditworthiness

No

We don’t share

For our affiliates to market to you

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

 

 

 

 

Questions?

Call (903) 764-2243

 


 

 

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What we do

How does The Elkhart 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does The Elkhart State Bank collect my personal information?

We collect your personal information, for example, when you

n  Open an account or Make a wire transfer

n  Apply for a loan or Show your government-issued ID

n  Give us your wage statements

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

n  sharing for affiliates’ everyday business purposes—information about your creditworthiness

n  affiliates from using your information to market to you

n  sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.    

 

 

Definitions

Affiliates

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

n  The Elkhart State Bank does not share with our affiliates.

Nonaffiliates

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

n  The Elkhart State Bank does not share with nonaffiliates so they can market to you”.

Joint marketing

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

n  The Elkhart State Bank does not share with nonaffiliates so they can market to you”.

 

 

Other important information

For Texas Customers: The Elkhart State Bank is chartered, licensed, or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against The Elkhart State Bank should contact the Texas Department of Banking through one of the means indicated below:

 

In person, or by U.S. Mail:

Texas Department of Banking

2601 North Lamar Boulevard

Suite 300

Austin, Texas 78705-4294


Telephone No.(877) 276-5554

Fax No (512) 475-1313


E-Mail: consumer.complaints@dob.texas.gov 

Website: www.banking.state.tx.us