In 1999, Congress enacted and the President signed a new law governing how financial institutions handle consumers’ personal financial information. Exchange Bank of Northeast Missouri has always valued its customers’ privacy highly. We have protected your confidential information in many ways over the years, and we will continue to do so in the future. We hope to never lose sight of the fact that our customers’ trust is our most important asset. When the new law took effect, we did not have to make many changes to be fully in compliance. One of the things we are required to do is to give you this notice of our policies and practices regarding the disclosure of your nonpublic personal financial information. This notice does not represent a change in our long-standing policies regarding the protection of your confidential information. It only represents a statement of what those policies are as required by this law.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates or others; and
• Information we receive from a consumer reporting agency.

“Nonpublic personal information” is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history or overdraft history.

We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted by law.

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement:

• Information we receive from you on an application or other forms, such as your name, address, social security number, assets and income;
• Information about your transactions with us, our affiliates or others, such as your account balance, payment history, parties to transactions and credit usage;
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

We restrict access to nonpublic personal information about you 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.

If you have any questions regarding this policy, please contact us at 660-727-3344.