Privacy Policy

Rev. 10/2010

WHAT DOES PEOPLES BANK OF WYACONDA DO WITH YOUR PERSONAL INFORMATION?

FACTS

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 Account balances Account transactions Mortgage rates and payments Checking account information Wire transfer instructions 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 Peoples Bank of Wyaconda chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information		Does Peoples Bank of Wyaconda 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 creditworthiness		No	We don’t share
For our affiliates to market to you		No	We don’t share
For our nonaffiliates to market to you		No	We don’t share
Questions?	Call toll-free 800-518-0443 or go to pbwyaconda.com

What We Do
How does Peoples Bank of Wyaconda 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 files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Peoples Bank of Wyaconda collect my personal information?	We collect your personal information, for example, when you Open an account Deposit money Apply for a loan Give us your contract information Pay us by check We also collect your personal information from other companies, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only l sharing for affiliates’ everyday business purposes – information about your creditworthiness l affiliates from using your information to market to you l sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. l Peoples Bank of Wyaconda does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. l Peoples Bank of Wyaconda does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. l Peoples Bank of Wyaconda doesn’t jointly market
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.