Rev. 05/2014

Merchants State Bank Privacy Policy, facts about how Merchants State Bank handles your sensitive information"
FACTS WHAT DOES MERCHANTS STATE BANK
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 Income
  • Account Balances and Payment History
  • Credit History and Credit Scores
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 Merchants State Bank chooses to share; and whether you can limit this sharing.
Merchants State Bank Privacy Policy Section 2:Why Merchants State Bank Shares your personal information
Reasons we can share your personal information Does Merchants State Bank 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		 YES NO
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 non-affiliates to market to you NO WE DON'T SHARE
Merchants State Bank Privacy Policy Section 3: Contact information regarding any Questions.

Questions?

 Call 866-228-9747
or go to www.msb-sd.com
Merchants State Bank Privacy Policy Part 4: Definitions
Who we are Merchants State Bank
What we do
How does Merchants State Bank 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.
How does Merchants State Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or Deposit money
  • Pay your bills or Apply for a loan
  • Use your Credit or Debit card
Why can't I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates’ everyday business purposes - 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 and non financial companies.
  • Merchants State Bank has no affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and non financial companies.
  • Merchants State Bank 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 products or services to you.
  • Merchants State Bank doesn't jointly market.