Five Points Bank of Hastings Privacy Notice

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 and whether Five Points Bank of Hastings chooses to share. When Five Points Bank of Hastings does share information, you are not able to limit this sharing, because it is essential to the way business is transacted.

Reasons we can share your personal information

Does Five Points Bank of Hastings 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

Yes

No

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 non-affiliates to market to you

No

We don’t share

Who is providing this notice?

Five Points Bank of Hastings

What we do

How does Five Points Bank of Hastings 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 Five Points Bank of Hastings 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 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.

• Our affiliates include financial companies such as Five Points Bank of Hastings.

Non-affiliates

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

• Five Points Bank of Hastings 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.

• Five Points Bank of Hastings does not jointly market.

Other important information

Questions?

Call 402-462-2228 or go to www.5pointsbank.com