Privacy Policy

Rev 07/27/2021

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 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 payment history Transaction or loss history and credit history Overdraft history and account transactions 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 Park State Bank chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does Park State 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 our non-affiliates to market to you	No	We Don't Share

Questions?	Go to www.parkstatebank.com

Who we are
Who is providing this notice?	Park State Bank

What We Do
How does Park State Bank 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.
How does Park State Bank collect my information?	We collect your personal information, for example, when you Open an account or apply for a loan Use your credit or debit card or provide employment information Show your government issued ID 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 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 nonfinancial companies. Park State Bank has no affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Park 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 partner(s) include investment companies.

SMS Terms & Conditions
1. Consent to Receive SMS Messages By providing your mobile phone number and affirmatively opting in, you consent to receive SMS/text messages from Park State Bank related to the services you request or maintain with the Bank. 2. Types of Messages Messages may include, but are not limited to: Account alerts and balance notifications Fraud and security alerts Appointment reminders Service-related notifications and updates 3. Message Frequency Message frequency will vary depending on your account activity, service enrollment, and communication preferences. 4. Message & Data Rates Message and data rates may apply according to your wireless carrier plan. Park State Bank is not responsible for carrier charges. 5. Opt-Out Instructions You may opt out of receiving SMS messages at any time by replying STOP to any message. After you send STOP, you will receive a confirmation message and no further SMS messages will be sent unless you re-enroll. 6. Help Instructions For assistance, reply HELP to any message or contact Park State Bank directly at the phone number listed on our website. 7. Privacy & Data Protection Mobile phone numbers and SMS consent information are treated as confidential customer information. No mobile opt-in data or SMS consent information will be shared with third parties or affiliates for marketing or promotional purposes. 8. Eligibility & Conditions Participation in SMS services is voluntary and is not required as a condition of obtaining any product or service from Park State Bank. 9. Changes to These Terms Park State Bank reserves the right to modify these SMS Terms & Conditions at any time. Updates will be posted on this page with a revised effective date.

SMS Terms & Conditions

1. Consent to Receive SMS Messages

By providing your mobile phone number and affirmatively opting in, you consent to receive SMS/text messages from Park State Bank related to the services you request or maintain with the Bank.

2. Types of Messages

Messages may include, but are not limited to:
Account alerts and balance notifications
Fraud and security alerts
Appointment reminders
Service-related notifications and updates

3. Message Frequency

Message frequency will vary depending on your account activity, service enrollment, and communication preferences.

4. Message & Data Rates

Message and data rates may apply according to your wireless carrier plan. Park State Bank is not responsible for carrier charges.

5. Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP to any message. After you send STOP, you will receive a confirmation message and no further SMS messages will be sent unless you re-enroll.

6. Help Instructions

For assistance, reply HELP to any message or contact Park State Bank directly at the phone number listed on our website.

7. Privacy & Data Protection

Mobile phone numbers and SMS consent information are treated as confidential customer information. No mobile opt-in data or SMS consent information will be shared with third parties or affiliates for marketing or promotional purposes.

8. Eligibility & Conditions

Participation in SMS services is voluntary and is not required as a condition of obtaining any product or service from Park State Bank.

9. Changes to These Terms

Park State Bank reserves the right to modify these SMS Terms & Conditions at any time. Updates will be posted on this page with a revised effective date.