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Privacy Policy

FACTS	WHAT DOES BORDER BANK DO WITH YOUR PERSONAL INFORMATION?
WHY?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your information. Please read this notice carefully to understand what we do.
WHAT?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and account balances Payment history and transaction history Account transactions and checking account information When you are no longer our customer, we continue to share your information as described in this notice
HOW?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Border Bank chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION	Does Border Bank Share?	Can you limit this sharing?
For our everyday business purposes: such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.	Yes	No
For our marketing purposes: to offer our products and services to you.	Yes	No
For joint marketing with other financial companies.	Yes	No
For our affiliates' everyday business purposes: information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes: information about your creditworthiness.	No	We don't share
For nonaffiliates to market to you	No	We don't share

QUESTIONS?

Call 218-528-4255 or go to www.border.bank

WHO IS PROVIDING THIS NOTICE?

Border Bank

What We do
HOW DOES BORDER STATE BANK PROTECT MY PERSONAL INFORMATION?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
HOW DOES BORDER STATE BANK COLLECT MY PERSONAL INFORMATION?	We collect your personal information, for example, when you: Open an account or apply for a loan Make deposits or withdrawals from your account Use your credit or debit card Seek advice about your investments We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
WHY CAN'T I LIMIT ALL SHARING?	Federal law gives you the right to limit only: Sharing for affiliates/everyday business purposes-information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you State law and individual companies may give you additional rights to limit sharing.

What We do

HOW DOES BORDER STATE BANK PROTECT MY PERSONAL INFORMATION?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

HOW DOES BORDER STATE BANK COLLECT MY PERSONAL INFORMATION?

We collect your personal information, for example, when you:

Open an account or apply for a loan
Make deposits or withdrawals from your account
Use your credit or debit card
Seek advice about your investments

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

WHY CAN'T I LIMIT ALL SHARING?

Federal law gives you the right to limit only:

Sharing for affiliates/everyday business purposes-information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market to you

State law and individual companies may give you additional rights to limit sharing.

DEFINITIONS
AFFILIATES	Companies related by common ownership or control. They can be financial or nonfinancial companies. Border Bank currently has the following affiliates: Border Bancshares, Inc Union State Bank of Fargo
NONAFFILIATES	Companies not related by common ownership or control. They can be financial or nonfinancial companies Border Bank does not share with nonaffiliates so they can market to you
JOINT MARKETING	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Border Bank does jointly market.

DEFINITIONS

AFFILIATES

Companies related by common ownership or control. They can be financial or nonfinancial companies. Border Bank currently has the following affiliates:

Border Bancshares, Inc
Union State Bank of Fargo

NONAFFILIATES

Companies not related by common ownership or control. They can be financial or nonfinancial companies

Border Bank does not share with nonaffiliates so they can market to you

JOINT MARKETING

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Border Bank does jointly market.

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