Privacy Policy

09/2015

FACTS

What does Bonanza Valley State 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
Payment history
Account balances

Credit history
Income
Credit scores

^{When you are no longer a 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 Bonanza Valley State Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Bonanza Valley State Bank share?	Can you limit this sharing?
For our everyday business purposes- such as to process your transaction, 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	No	We don't share
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 320.346.2234 or go to www.bvsb.bank

What We Do

How does Bonanza Valley State 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 Bonanza Valley State Bank collect my personal information?

We collect your personal information, for example, when you.

Apply for a loan
Pay your Bills
Use your debit card

Deposit Money
Open an Account

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 non-financial companies.

Bonanza Valley State Bank has no affiliates.

Nonaffiliates

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

Bonanza Valley State Bank does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliates financial companies that together market financial products or services to you.

Bonanza Valley State Bank doesn't jointly market.