LAKE CENTRAL BANK

Privacy Policy

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; account balances; payment history; overdraft history; account transactions; checking account information. 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 Lake Central Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

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

Does Lake Central Bank Share? Yes
Can you limit this sharing? No

For our marketing purposes – to offer our products and services to you

Does Lake Central Bank Share? Yes
Can you limit this sharing? No

For joint marketing with other financial companies

Does Lake Central Bank Share? Yes
Can you limit this sharing? No

For our affiliates’ everyday business purposes – information about your transaction and experiences

Does Lake Central Bank Share? Yes
Can you limit this sharing? No

For our affiliates’ everyday business purposes – information about your creditworthiness

Does Lake Central Bank Share? No
Can you limit this sharing? We don’t share

For nonaffiliates to market to you

Does Lake Central Bank Share? No
Can you limit this sharing? We don’t share

Questions? Call Annandale office at 320-274-8216 or Clearwater office at 320-558-2271 or go to www.lakecentralbank.com

What We Do

How does Lake Central 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 Lake Central Bank collect my personal information? We collect your personal information, for example, when you; open an account; apply for a loan; make deposits or withdrawals from your account; provide account information; give us your contact information. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all the 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. Our affiliates include insurances companies with Lake Central in their name such as Lake Central Insurance Services.

Nonaffiliates – Companies not related by common ownership or control. They can be financial and non-financial companies. Lake Central 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 financial service providers.

Lake Central Bank

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