FACTS

WHAT DOES Exchange Bank of Northeast Missouri
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 Exchange Bank of NEMO chooses to share; and wether you can limit this sharing.

 

Reasons we can share your personal information
Does Exchange Bank of NEMO 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 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 nonaffiliates to market to you No We don’t share

Questions?

Call 660-727-3344

Who we are

Who is providing this notice? Exchange Bank of Northeast Missouri

What we do

How does Exchange Bank of NEMO
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 fi les and buildings.

We restrict access to personal information to those employees who need to know that information to provide products or services to you.

How does Exchange Bank of NEMO
collect my personal information?
We collect your personal information, for example, when you

  • Open an account or apply for a loan
  • Pay your bills or use your debit card
  • make deposits or withdrawals for your account

We also collect your personal information from others, such as credit bureaus 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 nonfi nancial companies.

  • Exchange Bank of Northeast Missouri does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfi nancial companies.

  • Exchange Bank of Northeast Missouri does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffi liated financial companies that together market financial products or services to you.

  • Exchange Bank of Northeast Missouri doesn’t jointly market.