FACTS

WHAT DOES DAIRY STATE BANK                                              Rev. 12/2010  

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:

 

  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores

 

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

 

 

 

Reasons we can share your personal information

 

Does Dairy 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

 

Yes

No

 

For joint marketing with other financial companies

 

Yes

No

 

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 credit worthiness

 

No

We don’t share

 

For nonaffiliates to market to you

 

No

We don’t share

 

 

Questions?

 

 

Call 866-436-7158 or go to www.dairystatebank.com

 

 

 

 

 

 

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Who we are

 

 

Who is providing this notice?

 

 

DAIRY STATE BANK

 

What we do

 

 

How does Dairy 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 train our employees in the proper handling of personal information.

 

 

 

How does Dairy State Bank collect my personal information?

 

We collect your personal information, for example, when you

 

  • open an account or give us your income information
  • pay your bills or apply for a loan
  • show your driver’s license

 

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

 

  • sharing for affiliates’ everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • 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.

 

  • Dairy State Bank does not share with our affiliates

 

 

 

Nonaffiliates

 

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

 

  • Dairy 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.

 

  • Our joint marketing partners include: credit card company (Elan) and financial service provider (LPL Investment Center)

 

 

Other important information