Banking Privacy Statement and Policy 

Customer Privacy Statement

At MORRIS STATE BANK, we put our customers first and take pride in offering our customers financial services that meet their individual needs. We appreciate the trust our customers have in MORRIS STATE BANK and place the highest priority on our customers’ privacy. As a MORRIS STATE BANK customer, you can count on responsible treatment of any personal information you share with us.

Privacy Policy Statement

Use, Collection, and Retention of Customer Information We collect, retain, and use individual customer information ONLY when we reasonably believe it would be useful, and allowable by law, to administer to our business needs in providing products, services and other opportunities to our customers.

Maintenance of Accurate Information

We have established procedures to ensure that a customer’s financial information is accurate, current, and complete in accordance with reasonable business standards. We also respond to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information

We limit our employees to access personally identifiable customer information to those with a business reason for knowing such information. We educate our employees so they understand the importance of customer confidentiality and privacy. We also take appropriate disciplinary measures to enforce employee privacy responsibilities.

Protection of Information via Established Security Procedures

We maintain rigorous security standards and procedures regarding unauthorized access to customer information.

Restrictions on the Disclosure of Account Information

We do not reveal customer account or other personally identifiable information to unaffiliated third parties for their independent use, except for the exchange of information with reputable reporting agencies to maximize the accuracy and security of the information or in the performance of bona fide corporate due diligence. There are however, exceptions that we must honor on behalf of our customers:

• The information is provided to help complete a customer initiated transaction.

• The customer requests it.

• The disclosure is required by/or allowed by law (e.g. Subpoena; the investigation of fraudulent activity).

Maintaining Customer Privacy in Business Relationships with Third Parties

Whenever we provide customer information to a third party, we insist that the third party adhere to similar privacy principles for keeping such information confidential.

MORRIS STATE BANK is dedicated to the protection of its customers’ privacy. All personal and financial information submitted through the MORRIS STATE BANK Web Site will be kept accurate, secure and confidential.

MORRIS STATE BANK operates with a secure network which will recognize communications from customers using browsers that are compliant with certain security standards. If you are using Netscape Navigator 3.0 or higher, Microsoft’s Internet Explorer 3.0 or higher or any other SSL compliant browser, you may submit applications/requests for information on-line.