Bank of Birch Tree
Notice of Privacy Policy

Our Bank does not sell your information.

For more than 100 years, customers have trusted us with their personal and financial information. Whether you are a current or former customer, our practices are the same. Our commitment to conduct business honestly and with your best interests at heart continues with our Privacy Policy.

Definitions:

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you.

Non public personal information does not include information that is available from public sources such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control or with whom we share common ownership.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party”.

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We have physical security at our building, passwords to protect data, compliance reviews, and virus detection software.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

INFORMATION COLLECTED

This Bank collects the following categories of nonpublic personal information about our consumer customers: Information received from you on applications and other forms, information about transactions (such as information about a deposit, loan, or credit card account), and consumer reports.

CONFIDENTIALITY AND SECURITY OF NONPUBLIC PERSONAL INFORMATION

This Bank maintains the following policies and practices designed to protect the confidentiality and security of consumers’ nonpublic personal information: Ensuring your financial privacy is of vital importance to us. We limit employee access to confidential customer financial information to those employees with a business reason for knowing such information. Our employees are trained to understand the importance of customer financial privacy and to properly handle confidential information.

It is our policy that customer information is not to be provided to anyone over the telephone. We require that all credit information requests be in writing on the company’s letterhead. In certain instances we will require you the customer to also sign such requests.

This Bank endeavors to maintain the most accurate and up-to-date customer records possible. If you find that your account information is not correct, current, or complete, please call, or write to us at the telephone number or address on your account statement and appropriate corrections will be made as soon as possible.

If you feel we have not met our obligations in the protection or use of your personal information, you may submit a complaint to us. Any complaint will be handled in compliance with the Bank’s Consumer Complaints Policy. Breaches of customer privacy are considered serious employee misconduct and may result in termination of the employee.

DISCLOSURES TO AFFILIATES OR NONAFFILIATED THIRD PARTIES

This Bank does not disclose, and does not intend to disclose, nonpublic information about our customers or former customers to affiliates or non affiliated third parties except as permitted by law.

OPT OUT OF DISCLOSURE OF INFORMATION AMONG AFFILIATES

This Bank shares certain personal information about you with companies, which are affiliated with this bank by common control. Specifically, Bowden Insurance Agency. We share information as permitted by law in order to provide you with better services and more options. This shared information includes what we receive from consumer reports and applications for financial products or services such as your income and social security number and other information contained in credit reports.

This information may be used to determine whether you qualify for other types of services and products before a solicitation is made.

You may limit the disclosure of your personal information by notifying us that you do not want your personal information shared with entities affiliated with the Bank. This written notice should be directed to President Katherine Bowden, Bank of Birch Tree, PO Box 186, Birch Tree, MO 65438, or by fax at 573-292-1901.