Privacy Policy

Online Fraud

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Our Privacy Policy

Eagle Bank and Trust Company and our affiliates (“Eagle Bank”) have a long history of safeguarding our customer’s private information and we are committed to providing you with the financial services you need now and in the years ahead. We have adopted the following privacy policy. It is designed to protect the information that you have entrusted to us. At Eagle Bank, we put our customers first and take pride in offering our customers the financial services that meet their individual needs. We appreciate the trust our customers have in Eagle Bank and place the highest priority on our customer’s privacy. As an Eagle Bank customer, you can count on responsible treatment of any nonpublic personal information you share with us. We recognize and respect our responsibility to protect you, our customer, from the unauthorized use of such information. We want you to understand our commitment to your privacy and our use of information. If you have any questions about how Eagle Bank protects your information, please contact us at 636-461-3500. The policies and practices described in this statement apply to information about former customers as well as our current customers.

Our Commitment to You

  • We will hold our employees to the highest standards of conduct to ensure the confidentiality of your information.
  • We will use your information responsibly in order to help protect you from fraud, offer you a variety of products and services and comply with legal obligations.
  • We will maintain accurate customer information and respond promptly to any requests you make to change that information.
  • We will require the companies with whom we do business to safeguard appropriately and hold confidential all information about you that we share with them.

How We Use Your Personal Information

We use and share information to provide you, our customer, with the highest quality products and services available. Your information allows us to:

  • Administer your accounts with the greatest efficiency and accuracy;
  • Provide you with the latest products and services to meet your financial needs; and
  • Extend special offers to you based on your relationship with us; and
  • Comply with applicable laws and regulations.

Information We Collect

We may collect “nonpublic personal information” about you from the following sources:

  • Information we receive from you on applications, other forms and correspondence, such as your name, address, telephone number, e-mail address, assets, liabilities and income;
  • Information about your transactions with us, our affiliates or others such as account balances, location of transactions and payment histories; and
  • Information we receive from third parties such as credit bureaus.

“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history.

 

Information Sharing

All of the information described above is not disclosed to third parties unless:

  • You authorize or request it;
  • Such disclosure is necessary to complete the transactions;
  • The information is provided to a consumer reporting agency; or
  • To comply with a court order or as permitted or required by law.

In addition, we may disclose the information that we collect (as described above) to companies that perform marketing services on our behalf or to other companies with whom we have established a joint marketing agreement. We will also share it with other companies that perform specific or contracted services on our behalf, such as programmers, service providers and data processors.

Safeguarding Customer Information

We have taken steps to safeguard your customer information. We restrict access to nonpublic personal information about you 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 protect your nonpublic personal information.

Fair Credit Reporting Act

We are permitted under the Fair Credit Reporting Act to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with affiliates. We also may share additional information about you or your account (such as information we receive from you in applications and information from credit reporting agencies) with affiliates. You may direct us not to disclose to our affiliates information that does not relate solely to our or our experiences or transactions with you or your account (such as the application information and credit bureau information) by “opting-out” as described below.

Opting-Out

If you prefer that we not disclose information that does not solely relate to our experiences or transactions with you or your account(s) to affiliates you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to affiliated third parties, you may call us at 636-461-3500 or write to us at P O Box 680 Hillsboro, MO 63050 and let us know your preference.

Regarding our Internet Website

Visitors to the Eagle Bank and Trust website (www.eaglebankandtrust.com) (the “Site”) remain anonymous. We do not collect unique identifying information about you individually unless you voluntarily and knowingly provide us that information. Periodically, a cookie may be placed on your computer to identify general information about your visit. A “cookie” is data that is given to a browser by a web server that is returned by the browser on subsequent transmissions to identify the user and specifically designated information.

We do collect general information about your visit, such as when our site was accessed, which pages were accessed and what Internet provider was used. We cannot identify a specific user from this record. You may elect to provide us with more specific information, such as when you give us feedback or send us an e-mail.

If you would like to know what information we have collected regarding your visit to our website, contact our technical support department. After reviewing the information, if you believe any of it is in error, contact Susan Hills, Management Information Systems Officer and explain the alleged discrepancy. If the information is incorrect, we will update it promptly. In addition, if you believe any information we have collected about you has been used for an improper purpose, contact Lorna Fink, our compliance officer and explain your concerns in as much detail as possible so we may take any appropriate action.

Links

We have a number of links to other sites on our web site. These are offered as a courtesy and a convenience. We assume no responsibility for the content, safety, security or privacy of any such site or any transactions with respect thereto. If you have questions or concerns about any other site’s policy regarding these matters, you should contact that site or its sponsor.

Children’s Privacy

Protecting the privacy of our children is more critical today than ever. For that reason, our website is not structured to attract children under the age of 13. Parental consent is required for children under 13 to provide personally identifiable information via our website.

Assistance to Victims of Identity Theft

If you believe that someone has had unauthorized access to your account with us, or access to personal information about you, please notify us immediately so we can take action to protect you. In addition, you may also contact your local law enforcement agency and the Federal Trade Commission (FTC). To speak with an FTC telephone counselor, call toll-free 1-877-IDTheft (1-877-438-4338) or, to enter information about your compliant into an FTC online database, point your web-browser to www.consumer.gov/idtheft.

The Eagle Bank and Trust Company Family

Eagle Bank and Trust Company is a bank subsidiary of Jefferson County Bancshares, Incorporated. This policy statement applies to the family of companies of Jefferson County Bancshares, Incorporated. This is Eagle Bank and Trust Company.

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