The directors, management and staff of Pine Bluff National Bank are concerned about and respect the privacy of customers'/consumers' personal financial information. We understand that our customers furnish sensitive information to the bank in the course of our daily business, and the bank is committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs. The bank will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers. The following privacy policy outlines our bank's practice regarding personally identifiable financial information for bank customers and consumers.At Pine Bluff National Bank we collect nonpublic, personal information about our customers from many sources, including the following: Information we receive on applications or other forms Information about transactions with us, our affiliates, or others Information we receive from a consumer reporting agency Information about our customers' transactions with nonaffiliated third parties At Pine Bluff National Bank we protect consumer privacy by ensuring that only employees who have a business reason for knowing information have access to it. The bank maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic, personal information. The bank may disclose the following types of information about current or former customers to our family of affiliated businesses: Identification information, such as name, address, and telephones number Transactional information Deposit or loan account experience The bank is affiliated with an insurance company and a mortgage title insurance company. Since we value our customer relationships, we will not disclose any nonpublic personal information to nonaffiliated third parties, except as permitted by law. We do not disclose nonpublic personal information about former customers. In the future, we may disclose nonpublic personal information about our customers to other affiliates, even though we are not doing so now. The following are the types of nonpublic personal information we may disclose to our affiliates: Transaction and experience information from our account records: Information about transactions and experience with us, such as Name Address Account balances Account activity Types of accounts Credit card usage Payment history Deposit history Parties to the transaction Federal law allows us to disclose the information listed above with our affiliates. The customer does not have a right to opt out of the disclosure of this information. We may disclose nonpublic personal information about our customers in the future to financial service providers, such as securities broker-dealers. We may disclose nonpublic personal information about our customers in the future to our affiliates to provide our customers with information about additional products and services, to evaluate our total relationship with our customers and our family of companies and give the customers the best price that relationship deserves, and to give our customers the benefit of the entire customer relationship when paying overdrafts and determining credit limits. Many of our customers want us to know the individual pieces of their overall plan. In the future, we may disclose nonpublic personal information to nonaffiliated third parties. The following are the kinds of nonpublic personal information we may disclose to nonaffiliated third parties: Nonpublic personal information about transactions with us, such as Name Address Account balances Account activity Types of accounts Credit card usage Payment history Deposit history Parties to the transaction The customer has the right to opt out of disclosure of the information listed above. We may disclose nonpublic personal information about our customers in the future to financial service providers, such as securities broker-dealers. We may also disclose nonpublic personal information about our customers to nonaffiliated third parties as permitted by law. We may disclose nonpublic personal information about our customers in the future to nonaffiliated third parties to provide our customers with information about additional products and services. If a customer does not want us to share his/her nonpublic personal information with nonaffiliated third parties in the future, the customer can block the release of certain nonpublic personal information. This is known as the right to "opt out". The decision to block the disclosure of nonpublic personal information will apply to all products and services that the customer receives from the bank. By law the bank may share personal information about customers without allowing customers the opportunity to opt out in the following circumstances: With companies who perform transaction processing for the bank in the following circumstances: If the transaction, service, or product is requested or authorized by the customer To maintain or service a customer's account as part of a private label credit card or other loan extension program In connection with a securitization, secondary market sale (including servicing rights), or similar transaction related to a customer. For disclosures that are necessary to enforce the bank's legal or contractual rights or the rights of any other person who is engaged in the financial transaction For disclosures required in the ordinary course of banking business, such as the settlement of claims or benefits, the confirmation of information to the customer or the customer's agent, and the billing, processing, or clearing of items in the normal course of business To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating the bank, persons who are assessing the bank's compliance with industry standards, and the bank's attorneys, accountants, and auditors To the extent permissible under the Right to Financial Privacy Act To a consumer reporting agency under the Fair Credit Reporting Act To comply with federal, state, or local laws, rules, or other applicable legal requirements P.O. Box 7878  Pine Bluff, Arkansas  71611 About Us • Locations • Personal Banking • Business Banking Loans • Wealth Management • Online Services • Insurance Title Insurance • Privacy Policy • Home Copyright © 2004 Pine Bluff National Bank