Privacy

FACTS	What Does Concordia Bank & Trust Company 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 wire transfer instructions – account balances and transaction 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 Concordia Bank & Trust Co. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Concordia Bank & Trust Share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
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 don’t share
For our afﬁliates’ everyday business purposes— information about your creditworthiness	No	We don’t share
For our affiliates’ to market to you	No	We don’t share
For nonafﬁliates to market to you	No	We don’t share

What we do
How does Concordia Bank & Trust Co. protect my personal information?	To protect your personal information from 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 Concordia Bank & Trust Co. collect my personal information?	We collect your personal information, for example, when you – open an account or apply for a loan – deposit money or pay us by check – show us your government ID 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. – Concordia Bank does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. – Concordia Bank does not share with nonaffiliates so that 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 credit card companies.