____
PRIVACY POLICY
 

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We at the State Bank of Ashland recognize that your privacy and the security of your personal financial information are very important. We have established and implemented policies and procedures to protect this information.

The management and employees of the State Bank of Ashland recognize the trust that you have placed in us. It is the responsibility of each employee to safeguard the privacy and confidentiality of your nonpublic personal information.

Definitions

We, our, and us, when used in this notice, mean State Bank of Ashland.

You and Your, when used in this notice, mean the following customers:

  • Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Safe deposit box
  • Individual Retirement Account
  • Fixed rate mortgage loan
  • Other financial services we may provide
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

Affiliate is a company we own or control, a company that owns or controls us, or a company that is owned by the same company that owns or controls us.

Nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours.


Categories of Information Collected

State Bank of Ashland collects nonpublic personal information about our consumer customers from the following sources:

  • Information received from you on applications and other forms
  • Information about transactions with us and our affiliates
  • Information about transactions with other parties
  • Information we receive from consumer reporting agencies

Disclosure of Information Among Affiliates

State Bank of Ashland may disclose nonpublic personal information about you with our affiliates. We share information as permitted by law in order to provide you with better services and more options. This information may be used to determine whether you qualify for other types of services and products before a solicitation is made. Here are kinds of information and the source of that information:

Transaction and experience information from our account records:

  • Name
  • Address
  • Types of accounts
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types Of Affiliates

We may disclose information about you to the following types of affiliates:

  • Financial service providers, such as:
  • Insurance agents
Disclosures to Nonaffiliated Third Parties

This institution does not disclose nonpublic personal information about our customers or former customers to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.


Confidentiality, Security and Integrity of Your
Nonpublic Personal Information

State Bank of Ashland restricts access to confidential customer financial information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Click Return to Main Page

©2001, 2004, 2005, State Bank of Ashland