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Rev. November 2010
FACTS WHAT DOES STATE BANK OF RICHMOND 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 Account Transactions
  • 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 State Bank of Richmond chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does State Bank of Richmond 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 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
Questions? Call 320-597-2145 or go to www.statebankofrichmond.com
Who we are
Who is providing this notice? State Bank of Richmond
22 Central Ave. S., Richmond, MN 56368
What we do
How does State Bank of Richmond 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 limit access to information to those employees for whom access is appropriate.

How does State Bank of Richmond collect my personal information?

We collect your personal information, for example, when you

  • Open an account or Use your credit or debit card
  • Apply for a loan or Provice account information
  • Show your government-issued ID
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 nonaffiliates 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 nonfinancial companies.

  • State Bank of Richmond does not share with our affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • State Bank of Richmond does not share with nonaffiliates.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • State Bank of Richmond does not jointly market.

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Richmond, Minnesota
 
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