Privacy Policy

What Does Lamar Bank & Trust Do With Your Personal Information?

Rev. December 2010

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 income
  • Account balances and payment history
  • Credit history and credit scores
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 Lamar Bank & Trust Company chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Lamar Bank & Trust 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 No
For joint marketing with other financial companies No No
For our affiliates’ everyday business purposes—information about your
transactions and experiences		 No No
For our affiliates’ everyday business purposes—information about your
creditworthiness		 No No
For our affiliates to market to you No No
For nonaffiliates to market to you
 No No
Questions
Call 417-682-3348
Who we are
Who is providing this notice? Lamar Bank & Trust Company
What we do
How does Lamar Bank & Trust 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 further utilize data encryption and secure transmission of information over the Internet as well as anti-virus/malware protection of internal systems.
How does Lamar Bank & Trust collect my personal information?
We collect your personal information, for example, when you
  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card
  • apply for a loan
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 rights under State law.]
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Lamar Bank & Trust Company has no affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Lamar Bank & Trust 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.
  • Lamar Bank & Trust does not jointly market.
Other Important Information
Title 20 of the Missouri Code of State Regulations (CSR) gives the same rights as Federal Law under Division 100, Chapter 6 – Privacy of Consumer Information