WHAT DOES MONTROSE SAVINGS BANK OF MONTROSE, MO 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 payment history
• credit history and transaction history
• overdraft history and checking account information
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 Montrose Savings Bank of Montrose chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Montrose Savings Bank of Montrose 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 credit worthiness No We don’t share.
For non-affiliates to market to you. No We don’t share.
WHAT WE DO

How does Montrose Savings Bank of Montrose protect my personal information?

 To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measure include computer safe guards and secured files and buildings.

How does Montrose Savings Bank of Montrose collect my personal information?

 We collect your personal information for example, when you

  • Open an account or apply for a loan
  • give us your income information or apply for financing
  • show your government-issued ID

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

  • share for affiliates’ everyday business purpose – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates 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 or non-financial companies.

  • Montrose Saving Bank of Montrose has no affiliates.

Non-affiliates

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

  • Montrose Saving Bank of Montrose does not share with non-affiliates so they can market to you

Joint Marketing

 A formal agreement between non-affiliated financial companies that together market financial product or services to you.

  • Montrose Saving Bank of Montrose does not jointly market.