Personal ID Security
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Disclosure of Account Information to Third Parties

We will disclose information to third parties about your account or the transfers you make:

1. Where it is necessary for completing transfers, or
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
3. In order to comply with govenrment agency or court orders, or
4. If you give us your written permission, or
5. In connection with any authorization message transmitted in point of sale transactions, or
6. In the event we close your account due to a deficit balance or excessive overdrafts, or
7. As explained in the separate Privacy Disclosure.  

West Point Bank Privacy Policy

West Point Bank is committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information. Personal information may be collected through the submission of account applications and banking transactions. Additional details of West Point Bank's Privacy Policy are provided below. If you have additional questions regarding the privacy of your personal information, please contact us.

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal and account information 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.

Note: This policy applies to customers who obtain financial products or services primarily for personal, family, or household purposes and not for business, commercial, and agricultural purposes.

What Information We Disclose

We are permitted under law 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 companies related to us by common control or ownership ("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 our affiliates. We may share information about former customers with our affiliates or as allowed by law. You may direct us not to disclose to our affiliates information that does not relate solely to our or our affiliates' experiences or transactions with you or your account (such as the application information and credit bureau information) by
calling us at (270)351-1414. An individual signer on a joint account may direct us not to disclose such information on behalf of the joint account.

Third-Party Disclosure Restrictions

West Point Bank follows strict privacy procedures in regard to protecting your personal information. In addition, the bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies.Personal information may be supplied to a third party in order to process a customer transaction: if the customer requests it, if the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.), or for marketing purposes of which the customer has been previously informed and has been given the opportunity to decline. Personal
information is made available to the affiliates of West Point Bank, which are limited to River City Bank, Meade County Bank, Bank of Clarkson, and First State Bank.

Limited Employee Access to Personal Information

West Point Bank limits employee access to your personal information to only those bank employees and administrators with a business reason for knowing such information.West Point Bank also educates all employees about the importance of confidentiality and customer privacy.

EMPLOYEES ARE ADMONISHED THAT ANY BREACH OF CUSTOMER CONFIDENTIALITY CAN RESULT IN IMMEDIATE JOB TERMINATION.

In addition, individual user names and passwords are used by approved bank personnel to electronically access your personal information, providing audit trails to further safeguard the privacy of your personal information.

What Information We Collect

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

• Information we receive from you on applications or other loan and account forms;
• Information about your transactions with us, our affiliates or others; 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.

Collection and Use of Personal Information

The collection of personal information is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes - to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services.

Respect of Right to Privacy

West Point Bank respects your right to privacy and takes every precaution to provide you with the highest practical level of privacy.