We realize that our customers entrust us with personal information, and it is our policy to maintain our customer’s information in a confidential manner. We are committed to protecting the security and privacy of out customer’s personal information, as well as personal information of all customers who visit our bank.

Information Collected

This Institution collects the following categories of nonpublic personal information about our consumer customers:

• Information received from you on applications and other forms;

• Information about a transaction with us (such as information about a deposit, loan, or credit card account); and

• Information we received from consumer reporting agencies.

Confidentiality and Security Of Nonpublic Personal Information

 This Institution maintains the following policies and practices designed to protect the confidentiality and security of consumer’s nonpublic personal information:

• We limit employee access to confidential customer financial information to those employees with a business reason for knowing such information.

• Our employees are trained to understand the importance of customer financial privacy and to properly handle confidential information.

• It is our policy that customer information is not to be provided to anyone over the telephone unless the previously issued password has been provided to the employee by the person requesting the information or we have otherwise determined that you are the person requesting information on your own account or have authorized us to release the requested information.

• We endeavor to maintain the most accurate and up-to-date customer records possible.  If you find that your account information is not correct, current, or complete, please call or write to us at the telephone number or address on your account statement and appropriate corrections will be made as soon as possible.  Since some e-mail transmissions may be subject to interception, if your correspondence contains sensitive information (e.g., your account number or social security number) you may want to send a letter to us.

• If you feel we have not met our obligations in the protection or use of your personal information, you may submit a compliant to us.  Any compliant will be handled in compliance with the Institution’s Consumer Complaints Policy.

• Breaches of customer privacy are considered serious employee misconduct and may result in termination of the employee.

Visitors to Peoples State Bank’s Web site remain anonymous.  We do not collect identifying information about visitors to our site.  We may use standard software to collect non-identifying information about visitors, such as:

• Date and time our site was accessed;
• IP address (A numeric address given to servers connected to the Internet)
• Web browser used
• City, state, and country 

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Additionally, information you submit via our online banking service is protected by encryption technology, which scrambles account information to reduce the possibility of access, by unauthorized individuals outside the Institution.  To further protect your online banking services, the Institution requires the use of multi-factor authentication.

Customers may send and e-mail to communicate with Peoples State Bank’s Customer Service, but we recommend that you do not send nonpublic personal information via e-mail because e-mail is not a secured method of communication.  If we need to contact you in response to your e-mail, we will do so by phone or mail if our response requires personal confidential information.

We recognize the importance of protecting children’s identities and privacy online.  Our web site is not directed at children, and we do not knowingly collect or maintain personal information from consumers under the age of thirteen.

How to File A Complaint

Peoples State Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Peoples State Bank should contact the Texas Department of Banking through one of the means indicated below:

Aviso Importante

 Peoples State Bank tambien opera in el gegocio de vender cheques agente de una compania certificada baja las leyes de el estado de Texas y sujeto a la supervision legal del Texas Department of Banking. Todo consumidor que desee prentar una queja con relacion a las activdades de venta de cheques o contra Peoples State Bank debera dirigirse al Departmento Bancario de Texas (Texas Department of Banking) por uno de los medios de comunicacion indicados a continuacion:

En Persona o por el Correo de los Estados Unidos:

2601 North Lamar Boulevard, Suite 300

Austin, Texas 78705-4294

Telefono: 877-276-5554

Fax: 512-475-1313

Correo electronico: consumer.compliants@banking.state.tx.us

Pagina web: www.banking.state.tx.us