STATE BANK OF HAWLEY

State Bank of Hawley is implementing this privacy policy because a fundamental component of the bank/customer relationship is a customer’s trust in this institution and because we respect the expectations of our customers regarding privacy and confidentiality. Protecting your privacy, along with your financial assets, is at the core of our business. You have chosen to do business with us, and we recognize our obligation to limit access to the information you provide us.

We recognize that you expect privacy and security for your personal and financial affairs. We understand the need to safeguard our sensitive information about you that you have entrusted to us within our banks. We maintain standards and procedures designed to prevent misuse of this information.

Information We Collect

We collect, use and retain nonpublic personal information about you to help administer our business or to provide products and services to you. Nonpublic personal information is personally identifiable financial information that we obtain in connection with providing a product or service. Examples of nonpublic personal information include information regarding account balance, payment history, and overdraft history. We collect nonpublic personally identifiable information (examples listed) from the following sources:

Information we receive from you on applications and other forms, such as name, address, social security number, assets, and income:
Information about your transactions with us, such as account balances, payment histories, parties to transactions, and credit card usage; and
Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.

Our Maintenance of Accurate Information

We have procedures to help assure that your financial information is accurate, current and complete in accordance with commercial standards. We also have procedures to respond to your requests to correct inaccurate information in a timely manner. If you ever find that your account information is incomplete, inaccurate or not current, please call us at: 218-483-3361 or write to us at PO Box 648, Hawley, MN 56549. We will correct any erroneous information in a timely manner.

Limiting Employee Access to Information

Employees’ access is restricted to their need to know such information for business reasons. All employees are trained to respect customer privacy, and those who violate our Privacy Pledge will be subject to discipline.

Security Procedures to Protect Information

We maintain physical, electronic and procedural safeguards to help prevent unauthorized access to confidential information about you. We update and test our technology to improve protection of our information about you and to assure the integrity of our information.

Restrictions on Disclosures of Account Information

We do not reveal specific information about your accounts or other personally identifiable data to parties outside our bank. We will only disclose information to third parties about your credit, your accounts, and your transactions under any one of the following conditions:

You request or authorize it;
The information is provided to help complete a transaction initiated by you or;
The disclosure is otherwise lawfully permitted or required.Maintaining Your Privacy in Business Relationships with Third Parties

We do not disclose nonpublic personal information about former customers, except as permitted or required by federal or state law.

Maintaining Your Privacy in Business Relationships with Third Parties

We follow strict privacy procedures in regard to protection of customer information. Except as otherwise stated in this policy, we will not sell or share customer information with third parties. If we use a third party business partner, service company, or other business partner to prepare account documentation, service accounts, or for other purposes, we will make reasonable efforts to verify that business partners agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.

Visitors To Our Website

Visitors to our Website remain anonymous. We do not collect identifying information about visitors to our site. Information we do collect on this site includes:

IP addresses and/or domain names, date and time and site was accessed, and the city, county and country the web page request is initiated are collected. This information is used to create summary statistics and to determine the level of interest in information available on our site.
Information given by the site visitor in a Web form is collected to perform the services offered at the site. Services offered at the site include: online banking (and all related services thereof) and email correspondence. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations.
Any information that is linked to our site will be governed by the privacy policy of that site, and any questions you have related to that site’s use of information should be directed there. It is the intention of State Bank of Hawley to partner with the most trusted sites on the Web to provide you with these services. If you have concerns regarding other sites linked from our website, please contact us.

Disclosing Our Privacy Commitment to You

We want you to understand our commitment to personal privacy and our use of information. We will periodically review the methods available for communicating our privacy policy and determine whether current practices are meeting the needs of the Bank and our customers.

This Privacy Policy applies to individuals, and we reserve the right to change them, along with related provisions, at any time.

Member FDIC Department of Housing & Urban Development