Concordia Bank & Trust Co.

FACTS	WHAT DOES CONCORDIA BANK & TRUST CO. 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 wire transfer instructions 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.

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 Concordia Bank & Trust Co. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Concordia Bank & Trust Co. 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

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

Yes

For joint marketing with other financial companies

Yes

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

We Don't Share

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

We Don't Share

For our affiliates to market to you

We Don't Share

For our nonaffiliates to market to you

We Don't Share

Questions?

Call 318-336-5258

Who we are
Who is providing this notice?	Concordia Bank & Trust Co.
What we do
How does Concordia Bank & Trust Co. 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 Concordia Bank & Trust Co. collect my personal information?	We collect your personal information, for example, when you open an account or apply for a loan deposit money or pay us by check show us your government ID 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 non-affiliates to market 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 nonfinancial companies. Concordia Bank & Trust Co. does not share with our affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Concordia Bank & Trust Co. 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 companies.