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AudioTel Corporation
Copyright © 1998-2008

              Revised December 2010

FACTS

       WHAT DOES RUTH 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 Ruth State Bank

 

chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Ruth State Bank

Can you limit

 

share?

this sharing?

For our everyday business purposes--

 

 

such as to process your transactions, maintain your

 

 

account(s), respond to court orders and legal

Yes

No

investigations, or report to credit bureaus

 

 

For our marketing purposes--

 

 

to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates' everyday business purposes--

 

 

information about your transactions and experiences

No

We donít share

For our affiliates' everyday business purposes--

 

 

information about your creditworthiness

No

We donít share

For nonaffiliates to market to you

No

We donít share

Questions?

           Call 989-864-3380 or go to www.RuthBank.com

 WHAT WE DO

How does Ruth State Bank

To protect your personal information from

protect my personal information?

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 Ruth State Bank

We collect your personal information, for example,

collect my personal information?

when you

 

■ open an account or deposit money

 

■ pay your bills or apply for a loan

 

■ use your VISA Checkcard

 

 

 

We also collect your personal information from

 

others, such as credit bureaus, affiliates, or other

 

companies.

 

 

 

 

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.

 

■ Ruth State Bank has no affiliates.

Nonaffiliates

Companies not related by common ownership or control.

 

They can be financial and nonfinancial companies.

 

■ Ruth State Bank does not share with nonaffiliates so

 

   they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial

 

companies that together market financial products or

 

services to you.

 

■ Our joint marketing partners include:

 

       Financial service providers, such as:

 

                           Insurance agents

 

 

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