Rev. November 2010

FACTS WHAT DOES RED RIVER BANK 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 income
  • 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.

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 Red River Bank chooses to share; and whether you can limit this sharing.
REASONS WE CAN SHARE YOUR INFORMATION DOES RED RIVER BANK 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 nonaffiliates to market to you No We don’t share
QUESTIONS? Call 318-561-5800 in Central Louisiana; 318-675-2900 in Northwest Louisiana; 225-923-0232 in the Baton Rouge area; or go to www.redriverbank.net
WHAT WE DO
How does Red River Bank 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 Red River Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account or apply for a loan
  • Show your government-issued ID or provide employment information
  • Make deposits or withdrawals from your account

We also collect your personal information from others, such as credit bureaus 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
DEFINITIONS
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Red River Bank has no affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Red River Bank does not share with nonaffiliates so 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 and investment companies.