Privacy Policy

Notice of Your Financial Privacy Rights

We, our, and us means State Bank of Fairmont.
This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:
• Deposit account
• Safe deposit account
• Automobile lease we service
• Retail installment contract we hold and service
• Self-directed individual Retirement Account where we act as custodian or trustee

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms.
• Information about your transactions with us.
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency.

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL 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 guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers, except as permitted by law.

AUTHORIZED SHARING – JOINT MARKETING
We may disclose the following information to other financial institutions with which we have joint marketing agreements:

• Nonpublic personal information we receive from you on an application or other forms, such as
• Name
• Address

Federal law allows us to disclose the information listed above with other financial institutions with which we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses. Here are the types of businesses with whom we may disclose nonpublic personal information under this section.

• Financial service providers, such as
• Insurance agents
• Check printing companies

Reasons for Disclosing
Here is why we may disclose nonpublic personal information about you to other financial institutions with which we have joint marketing agreements:

• To provide our customers with information about additional products and services

Limitations on Disclosure
Here are the limitations we impose on the use of nonpublic personal information disclosed to other financial institutions with which we have joint marketing agreements:

• We do not allow telephone solicitations.

Web Site Privacy Policy

State Bank of Fairmont understands that protecting the privacy of your personal and account information is critical. Whether you are a current customer or just visiting our Web site, we safeguard the information you provide us at our Web sites. The controls and practices we use to collect and protect this information specific to the Internet are described below.

Click here to review a copy of our Privacy Notice, which describes how we safeguard, maintain, and use information we obtain about our customers in the normal course of our business. These practices also apply to the information we obtain online about our Web site visitors

WEB SITE PRIVACY STATEMENT

Protecting Online Applications.
When you apply online for accounts and services, or enroll in online banking, you provide personal information that is necessary for us to process your application. To ensure that your application remains confidential, the information is maintained in a secure area on our Web site.

How We Handle E-Mail.
Our Internet Banking Service utilizes a "Bank Mail" function which provides you and bank personnel with an easy and secure way to exchange messages without sending e-mail over the Internet.

Protecting Your Online Banking.
We use state-of-the art Internet technology to make online banking secure and to protect your personal information. We also require a User ID and Password to access your accounts. If you do not provide this information, we cannot establish an online banking session for you. You can also help maintain the security of your banking information by not sharing your User ID or Password with anyone, by changing your Password regularly, and by remembering to sign off.

Protecting Your Privacy Online.
Whenever we ask for personal information on our Web site it is maintained in a secure area on our Web site.

What Information We Collect.
You can visit this site to find out about our products and services without providing any information about yourself. We do not capture any personal information without your permission.

Children Visiting Our Web Site.
We do not market to or knowingly solicit data from children. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

External Links.
State Bank of Fairmont is not responsible for the information practices employed by sites linked to or from our Web site. In most cases, links to non-State Bank of Fairmont web sites are provided solely as pointers to information on topics that may be useful to the users of the State Bank of Fairmont web site.

Privacy Commitment to You.
Trust us to keep you informed of how we protect your privacy and limit the sharing of information you provide to us - whether it’s at a banking center, over the phone or through the Internet.

How To Contact Us.
Should you have other questions or concerns about our privacy policies, please call us at (507) 238-4287.

Security Statement

Security Statement
This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, Secure Sockets Layer (SSL) protocol for data encryption and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity
To begin a session the user must key in a username and a password. Our system, the Internet Banking System, uses a “3 strikes and you’re out” lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out. The Internet Banking System has a 10-minute time limit on any screen, regardless of keystrokes. Once ten minutes has elapsed, you will be taken back to a login screen after the next selection is made.

Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol.

User Responsibilities
While our service provider continues to evaluate and implement the latest improvements in Internet security technology, users of the online banking system also have responsibility for the security of their information and should always follow the recommendations listed below:

• Your username and password must be kept confidential. You must follow our specific parameters for a username/password and change it frequently to ensure that the information cannot be guessed or used by others. Be sure others are not watching you enter information on the keyboard when using the system.
   
• Never leave your computer unattended while logged on to the online banking system. Others may approach your computer and gain access to your account information if you walk away.
   
• Click Exit when you are finished using the system to properly end your session. Once a session has been ended, no further transactions can be processed until you log on to the system again.
   
• Close your browser when you are finished, so that others cannot view any account information displayed on your computer.
   
• Keep your computer free of viruses. Use virus protection software to routinely check for a virus on your computer. Never allow a virus to remain on your computer while accessing the online banking system.
   
• Report all crimes to law enforcement officials immediately.
  When you follow these simple security measures, your interaction with the online banking system will be completely confidential. We look forward to serving your online banking needs both today and in the future. Feel free to contact us with any security questions or concerns you may have.