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Privacy Policy

What Does Rayne State Bank & Trust Co. Do With Your Personal Information?

Rev. Date 9/14

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.
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 credit history Employment information and overdraft history Account balances and payment history 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 RAYNE STATE BANK chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does Rayne State Bank & Trust Co. 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	No	We Do Not Share
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	No	We Do Not Share
For our affiliates to market to you	No	We Do Not Share

What We Do
How does Rayne State Bank & Trust Co. protect my 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 Rayne State Bank & Trust Co. collect my information?	We collect your personal information, for example, when you Open an account Apply for a loan Give us your income information Make deposits or withdrawals from your account Show your driver's license
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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include: Companies with a Financial Corporation of Louisiana and First National Bank of Louisiana name
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. RAYNE STATE BANK does not share with non-affiliates 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 Life Insurers and Private Label Credit Card Issuers.

Other Important Information
In accordance with state law, Rayne State Bank & Trust Co. will not share information we collect about state residents with companies outside of Rayne State Bank & Trust Co., except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable state law.