FACTS WHAT DOES MURRAY 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
  • Income
  • Account balances
  • Transaction history
  • Credit history
  • Credit Scores

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 Murray State Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Murray State 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		 No We don't share
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes –
information about your transactions and experiences		 Yes No

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 402-235-2351 or go to www.murraystatebank.com.

What We Do
How does Murray 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 Murray State Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Deposit money
  • Pay your bills
  • Apply for a loan
  • Make a wire transfer
  • Provide account information

We also collect your personal information from others, such as credit bureaus, affiliates, 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 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 affilliates include:
    • Murray Insurance Agency, Inc.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Murray State 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.
  • Murray State Bank doesn't jointly market.
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