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FACTS |
WHAT DOES RUTH STATE BANK DO
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WITH YOUR
PERSONAL INFORMATION? |
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Why? |
Financial
companies choose how they share your personal
information. Federal law |
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gives consumers
the right to limit some but not all sharing.
Federal law also requires |
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us to tell you
how we collect, share, and protect your personal
information. Please |
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read this notice
carefully to understand what we do. |
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What? |
The types of
personal information we collect and share depend
on the product or |
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service you have
with us. This information can include: |
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■ Social
Security Number and Income |
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■ Account
Balances and Payment History |
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■ Credit
History and Credit Scores |
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When you are
no longer our customer, we continue to share
your information |
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as described in
this notice. |
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How? |
All financial
companies need to share customers' personal
information to run their |
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everyday
business. In the section below, we list the
reasons financial companies |
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can share their
customers' personal information; the reasons
Ruth State Bank |
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chooses to
share; and whether you can limit this sharing.
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Reasons we can
share your personal information |
Does Ruth State
Bank |
Can you limit |
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share? |
this sharing? |
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For our everyday
business purposes-- |
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such as to
process your transactions, maintain your |
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account(s),
respond to court orders and legal |
Yes |
No |
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investigations,
or report to credit bureaus |
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For our
marketing purposes-- |
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to offer our
products and services to you |
Yes |
No |
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For joint
marketing with other financial companies |
Yes |
No |
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For our
affiliates' everyday business purposes-- |
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information
about your transactions and experiences |
No |
We don’t share |
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For our
affiliates' everyday business purposes-- |
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information
about your creditworthiness |
No |
We don’t share |
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For
nonaffiliates to market to you |
No |
We don’t share |
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How does Ruth State Bank |
To protect your personal
information from |
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protect my personal
information? |
unauthorized access and
use, we use security |
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measures that comply with
federal law. These |
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measures include computer
safeguards and |
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secured files and
buildings. |
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How does Ruth State Bank |
We collect your personal
information, for example, |
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collect my personal
information? |
when you |
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■ open an account or
deposit money |
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■ pay your bills or apply
for a loan |
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■ use your VISA Checkcard |
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We also collect your
personal information from |
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others, such as credit
bureaus, affiliates, or other |
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companies. |
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Why can't I limit all
sharing? |
Federal law gives you the
right to limit only |
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■ sharing for affiliates'
everyday business purposes- |
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information about your
creditworthiness |
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■ affiliates from using
your information to market to you |
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■ sharing for nonaffiliates
to market to you
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State laws and individual
companies may give |
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you additional rights to
limit sharing. |
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Affiliates |
Companies related by common
ownership or control. |
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They can be financial and
nonfinancial companies. |
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■ Ruth State Bank has no
affiliates. |
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Nonaffiliates |
Companies not related by
common ownership or control. |
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They can be financial and
nonfinancial companies. |
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■ Ruth State Bank does not
share with nonaffiliates so |
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they can market to you. |
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Joint marketing |
A formal agreement between
nonaffiliated financial |
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companies that together
market financial products or |
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services to you. |
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■ Our joint marketing
partners include: |
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Financial service
providers, such as: |
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Insurance agents |
