| FACTS |
WHAT
DOES NORTHSTAR BANK DO
WITH YOUR PERSONAL INFORMATION? |
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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 personal information. Please read this notice carefully to understand
what we do. |
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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 Income
- Account balances
and Payment history
- Credit history
and Credit scores
When you are no longer
our customer, we continue to share your information as described in
this notice. |
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| 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 NorthStar Bank
chooses to share; and whether you can limit this sharing. |
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| Reasons we can share your
personal information |
Does NorthStar 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 |
Yes |
No |
For
our affiliates’ everyday business purposes—
information about your creditworthiness |
Yes |
No |
| For
our affiliates to market to you |
No |
We don't share |
| For
nonaffiliates to market to you |
No |
We don't share |
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| Questions? |
Please contact
us at 712-362-3322
or go to our website at www.northstarbankiowa.com |
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|
What we do |
|
Who is providing this notice? |
NorthStar Bank
2202 Central Ave., PO Box 414
Estherville, IA 51334
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| What
we do |
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How does NorthStar 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.
|
| How
does NorthStar Bank collect my personal information? |
We collect
your personal information, for example, when you
- Open an account
or make deposits or withdrawals from
your account
- Pay your bills
or Apply for a loan
- Use your credit
or debit card
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 laws and individual
companies may give you additional rights to limit sharing. [See below for more on your rights under state
law.] |
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| Definitions |
|
Affiliates |
Companies related by
common ownership or control. They can be financial and nonfinancial
companies.
- NorthStar Bank affiliates
include – NorthStar Bancshares,Inc.
|
| Nonaffiliates |
Companies not related
by common ownership or control. They can be financial and nonfinancial
companies.
- NorthStar 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.
- Our joint marketing partners
include credit card and credit insurance companies
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| Other
important information |
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