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Web Site Privacy Statement

At PCB, we understand that the cornerstone of building long-term relationships with our customers is the trust we build through protecting their privacy. That is why we have created the following set of privacy principles to assist in understanding the measures we take to ensure our customers' privacy is maintained.

• Visitors to our web site will remain anonymous. We do not collect personal identifying information about visitors to our site.
• Our servers collect standard non-identifying information about visits to our site such as date and time visited and IP address. This information is used to compile standard statistics on site usage.
• If you have provided identifying information via e-mail (such as name and address), the information will only be used to communicate with you to handle your request. It is not sold or transferred to other parties.
• If you communicate with PCB using e-mail, your communications will not be secure unless you use our secure  e-mail system from our web site.  Communications sent over the Internet via e-mail without going through our web site will not be encrypted and should not be treated as a secure method of communication.  If you contact PCB via e-mail and do not use our web site, you should not send information such as your pass code, social security number, account number or similar information.  PCB will not be liable to you for any damages you suffer if a third party obtains information you transmit to us via e-mail if it does not originate through our secure web site.

Thank you for taking the time to visit our web site. Any questions or comments concerning this site or the principles listed above should be directed to:

Phelps County Bank
718 N. Pine St.
Rolla, MO 65401
(573) 364-5202
(800) 667-5202

Customer Privacy Statement

Information Collection

We collect and retain information that is reasonably necessary or useful in providing a financial service to you.  We may obtain this information from you on applications for loans or other accounts, information we receive from third parties such as credit bureaus and other consumer reporting agencies, and your history transactions with us.

Accuracy of Customer Information

We strive to keep your information accurate and current.  If you ever find that the information we have is incomplete or inaccurate, please contact us by phone or letter.  We will take prompt action to make the appropriate corrections.

Information Use and Disclosure

We do not sell or share account or personal information to outside companies that are not affiliated with Phelps County Bank for the purpose of telemarketing or direct mail marketing.  The only time we share information with any third party is when they are providing you a service through our bank (i.e. Internet banking, Raymond James Financial Services Inc., etc.).  When we use a third party provider for a service, we insist through written contract, that they adhere to the same privacy principles as Phelps County Bank.  They are not allowed to use this information for any purpose other than the intended service.  If you wish this information not to be shared, you may call our toll free number at 1-800-667-5202.

In accordance with standard banking industry practice and the Fair Credit Reporting Act, we share customer information with reputable credit reporting agencies.

In the event a law, court order, or other judicial or administrative process requires us to provide information to a government authority or party to a private lawsuit, we will provide in good faith, the information that we believe is required to comply with the law, court order, or other process.  We may also have to disclose certain information in court documents if we have to bring legal action against you, for example, to collect a debt you owe us. If you close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Information Confidentiality and Security

We safeguard information according to established security standards and procedures.  We restrict access to your personal account information to those employee-owners that maintain your accounts or otherwise meet your needs.  We maintain physical, electronic, and procedural safeguards that comply with federal standards.

National Consumer Credit Reporting Agencies(Credit Bureaus)

In addition to sharing information with member companies for credit verification and fraud control purposes, national consumer credit reporting agencies may also sell or share your name and certain other information to various outside companies for marketing purposes.  If you wish to direct these agencies not to sell or share this information, you may call their toll-free number at 1-888-5OPTOUT (567-8688) to communicate your request.

Click here for our Customer Privacy Policy brochure.