Notice of Your Financial Privacy Rights We, our, and us means The Monitor Bank.   This is our privacy notice for our customers.  When we use the words "you" and "your" we mean the following types of customers: All of our consumer customers who have a continuing relationship with us, such as: Deposit account Loan account Credit card Safe deposit box Self-directed Individual Retirement Account where we act as custodian or trustee We will tell you the sources for nonpublic personal information we collect on our customers.  We will tell you what measures we take to secure that information.   We will also tell you what information we share with other entities.  We will explain what your rights are, and how you can exercise them.  If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a checking account, we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options.   We first define some terms.   Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control. A nonaffiliated third party is a company that is not an affiliate of ours. Opt out means a choice you can make to prevent certain sharing of information.  We will explain how you can exercise this choice.   THE INFORMATION THAT WE COLLECT   We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms Information about your transactions with us Information about your transactions with nonaffiliated third parties Information from a consumer reporting agency   THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION   We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.     NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES   We may disclose nonpublic personal information to nonaffiliated third parties.  Here are the kinds of nonpublic personal information we disclose to nonaffiliated third parties: Nonpublic personal information we receive from you on an application or other forms, such as Name Address Account number You may opt out of the disclosure of the information listed above.   Types of Nonaffiliated Third Parties We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties: Financial service providers, such as Insurance agents We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.   Limitations on Disclosure Here are the limitations we impose on the use of nonpublic personal information disclosed to nonaffiliated third parties: We only allow direct mail solicitations.   NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS   We do not disclose nonpublic personal information about former customers, except as permitted by law.     YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION   Nonaffiliated Third Parties.  If you do not want us to share your nonpublic personal information with nonaffiliated third parties, you can block the release of certain nonpublic personal information.  This is known as your right to "opt out."     YOU HAVE THE RIGHT TO CHOOSE   In this notice, we have explained our policy about the disclosure of certain information.   Nonaffiliated Third Parties.  We have explained the kinds of nonpublic personal information we may disclose to nonaffiliated third parties.  We have also explained the kinds of nonaffiliated third parties with whom we may disclose the nonpublic personal information.  If you prefer that we do not disclose nonpublic personal information to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).   Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.   If you have a joint account, an opt our instruction given by one participant of this account will affect all participants of the account.   If you wish to opt out of disclosures, you may do so by requesting to opt out and mailing your request, along with your name, social security number, account number(s), street address, city, state and zip to The Monitor Bank; PO Box 98; Big Prairie, OH  44611.