As part of our annual Privacy Disclosure, we would like to take this opportunity to assure you of the following:
• The State Bank of Hildreth has always been and will continue to be committed to our customers’ privacy.
• We do not share your personal information except where required to complete a transaction on your behalf or where permitted by law.
• There is no need for you to “opt-out” in order to prevent information sharing.
We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
TERMS AND DEFINITIONS
“We”, “our”, and “us”, when used in this notice, mean The State Bank of Hildreth. When we use the words “you” and “your” we mean the following types of customers:
• All of our consumer customers who have a continuing relationship with us, such as:
• Deposit account
• Loan account
• Safe deposit box
• Self-directed Individual Retirement Account
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. This could include information such as account balances, payment history, or overdraft history. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
An affiliate is a company we own or control, a company that owns or controls us, and a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a company that is not an affiliate of ours.
PRIVACY QUESTIONS AND ANSWERS
Q: What kind of information does The State Bank of
Hildreth collect about its customers?
A: We only collect information relevant to you and your business relationship
with us. This is generally collected from three main sources:
1. Information from account applications and other forms, such as your name, address, social security number, assets, and income.
2. Information from transactions with us or others, such as balances, payment history, or credit usage.
3. Information from Credit Bureaus, such as creditworthiness and payment history.
Q: What is my information used for?
A: We use your personal information to complete the business transactions you
request. This may include sharing information with third parties in order to
complete the transaction. Examples would include a check reorder, an appraisal,
or work with a title company. Except in these few circumstances, we do not share
your personal data, except as permitted by law.
Q: How do you protect this information?
A: Our employees are bound by a code of ethics and personal information is restricted
to those employees who need it in order to serve you. Additionally, we use state-of-the-art
technology and security to protect customer and account information.
Q: What if I close my account(s)?
A: We will continue to follow the privacy policies described in this disclosure.
Q: Do I need to “opt-out” of information sharing
at The State Bank of Hildreth?
A: No. There is no need for you to “opt-out” in order to prevent
information sharing. We do not share information outside of the specific business
exceptions allowed by law.
THE STATE BANK OF HILDRETH
133 COMMERCIAL AVENUE, P.O. BOX 127
HILDRETH, NEBRASKA 68947-0127