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Our Policy on Customer Information Confidentiality
From the time it was founded, Sidney State Bank has always valued its customers’ privacy highly. We have protected your confidential information in many ways over the years, and will continue to do so using state-of-the-art measures. We never lose sight of the fact that our customers’ trust is our most treasured asset. You can rest easy knowing that our corporate focus is the protection of your privacy in your dealings with us. If you ever have any questions about the confidentiality of your information in our hands, please call Stephen B. Shoen, President, at (989) 328-2501. Every day, we appreciate your business. Thank you for banking with us!
Categories of Nonpublic Personal Information That We Collect
 | Information we receive from you on applications or other forms |
| Information about your transactions with us, our affiliates, or others |
| Information we receive from a consumer reporting agency (commonly known as credit bureaus). |
| Information that we receive in response to requests we make to third parties about you or to confirm information that you have provided to us, particularly in the process of evaluating applications for loans. |
Categories of Nonpublic Personal Information That We Disclose
| We may disclose information that we receive from you on an application such as deposits or loans that you have with other financial institutions, or your employment (for example, in order to verify the accuracy of the information that you have provided us). |
| We may disclose information that we receive from you on an application such as existing loan balances to be paid from our loan proceeds (for example, to persons who will be involved in the closing of the loan, such as attorneys and title
companies). |
| We may disclose information that we receive from processing your accounts with us, such as balance information (for example, to the operator of the interchange that processes our ATM and debit card transactions). |
| We may disclose information that we receive from processing your accounts with us (for example, whether there are sufficient funds in the account to pay a check that you have written, such as in response to a merchant to whom you are giving a check in payment of articles you have purchased). |
| We may disclose information that we receive from you on an application such as your assets, liabilities, income and employment history (for example, in order to determine whether a loan that you have applied for is saleable in the secondary market. |
Categories of Affiliates and Nonaffiliated Third Parties To Whom Bank Discloses
We may disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Our Bank’s Policies and Practices With Respect to Protecting Confidentiality and Security of 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 regulations to guard your nonpublic personal information.
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