Privacy and Security

Privacy Statement

Effective: November 7, 2023

FACTS WHAT DOES EXCHANGE BANK OF MISSOURI 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 account balances
  • credit history and income
  • Payment 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 Exchange Bank of Missouri chooses to share; and whether you can limit this sharing
Reasons we can share your personal information Does Exchange Bank of Missouri 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 affiliates to market to you No We Don’t Share
For non–affiliates to market to you No We Don’t Share
Questions? If you have any questions regarding this notice or the information shared by us, you may reach us in a manner that is convenient to you:
Who we are
Who is providing this notice? Exchange Bank of Missouri
What we do
How does Exchange Bank of Missouri protect my personal information? To protect information 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 Exchange Bank of Missouri collect my personal information? We collect your personal information, for example, when you

  • open an account or apply for a loan
  • pay your bills or use your credit or debit card
  • make deposits or withdrawals from your account

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 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.

  • Exchange Bank of Missouri has no affiliates
  • Exchange Bank of Missouri does not share with non-affiliates so they can not market to you
  • Our Joint Marketing Partners inculde TIB-The Independent Bankers Bank
Nonaffiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Exchange Bank of Missouri does not share information with non-affiliates
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Exchange Bank of Missouri does not have any joint marketing agreements with non-affiliated companies

SMS Terms and Conditions

SMS Consent Communication:
The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

Types of SMS Communications:
If you have consented to receive text messages from Exchange Bank of Missouri, you may receive messages related to the following (provide specific examples):

  • Appointment reminders
  • Follow-up messages

Example:“Hello, this is your loan officer I am looking forward to seeing you tomorrow. Reply STOP to opt out of SMS messaging at any time.”

Message Frequency:
This is completely depended on the customer. We will never reach out to you via a SMS message unless you request to send a SMS message to Exchange Bank of Missouri.

Potential Fees for SMS Messaging:
Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

Opt-In Method:
You may opt-in to receive SMS messages from Exchange Bank of Missouri in the following ways:

  • Verbally, during a conversation
  • By filling out a paper form

Opt-Out Method:
You can opt-out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

Additional Options:

  • If you do not wish to receive SMS messages, you can choose not to message Exchange Bank of Missouri.

Standard Messaging Disclosures:

  • Message and data rates may apply.
  • You can opt out at any time by texting “STOP.”
  • For assistance, text “HELP” or visit our Privacy Policy pages.
  • Message frequency may vary.

Security Statement

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank’s Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Secure Data Transfer

Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank’s server issues a public key to the end user’s browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet loan application and check reorder transactions are secure.