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STATE CENTRAL BANK PRIVACY POLICY NOTICE 
 
Protecting your privacy is important to us at State Central Bank.  Because of that, we want you to understand what information we collect and how we use that information.  The following policy serves as a standard for all State Central Bank employees for collection, use, retention and security of nonpublic personal information. 
 
What Information We Collect 
In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible we use technology to manage and maintain customer information.  As a part of doing business we may collect "nonpublic personal information" about you from the following sources: 
 
  • Applications or other loan and account forms;
  • Your transactions with us, our affiliates or others; and
  • Third parties, such as credit bureaus.
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    "Nonpublic personal information" is information about you that we obtain in connection with providing a financial product or service to you and that is not made available to the general public in government records or in widely distributed media, such as the phone book.  Nonpublic personal information includes information regarding your account balance, payment history and overdraft history. 
     
    What Information We Disclose 
    To better serve your financial needs we may disclose information about our experiences with you, transactions you enter into with us, or about your account, such as your account balance and your payment history with us, with companies related to us by common ownership or control ("affiliates").  At this timeState Central Bank has no affiliate.  
     
    In addition to sharing information with our affiliate, the law allows us to disclose nonpublic personal information about you to "nonaffiliated third parties" (i.e. third parties that are not members of our corporate family) in certain circumstances.  For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan or account with us; to government entities in response to subpoenas; to credit bureaus; and to other financial institutions with whom we have joint marketing agreements.  We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law or when we are under a legal obligation to do so. 
     
    If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.   
     
    Our Security Procedures 
    We also take steps to safeguard customer information.  We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. 
     
    STATE CENTRAL BANK INTERNET CUSTOMER PRIVACY STATEMENT 
     
    For each visit to our website, your P.C.'s operating system, browser, and city/state location is collected and passed onto us. We collect the e-mail addresses of those who communicate with us via e-mail. We aggregate information on what pages consumers access or visit as well as collect information that customers volunteer to us, such as application information. 
     
    The information we collect may be used to: 
    1. Complete transactions requested by the customer.  
    2. Design products our customers may want.  
    3. Notify customers of products they may want.  
    4. Improve the content of our website.  
     
    Information we obtain on our website may be shared with other organizations to complete customer requested transactions; but we do not sell customer lists (names, postal addresses, e-mail addresses) to third parties. 
     
    Since we cannot control information on other Internet sites, we are not responsible for the content or sites linked from www.statecentralbank.com. While we strive to keep our website up-to-date and accurate at all times, there is a possibility that circumstances could affect the site. As a result, we are not responsible for any loss or damage you incur resulting from information obtained through the website's content, postings, or financial planning tools. 
     
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