Nonpublic, personal information does not include that which is available from government records, widely distributed media, or government-mandated disclosures.

The bank does NOT disclose any personal financial information to anyone, except as permitted by law. By law the bank may disclose certain personally identifiable information in the following circumstances:

• Information about your transactions with us, our affiliates, or others

• To companies who perform transaction processing for the bank in the following circumstances:

• If the transaction, service, or product is requested or authorized by the consumer

• To maintain or service a consumer’s account as part of a private label credit card or other loan extension program

• In connection with a securitization, secondary market sale (including servicing rights), or similar transaction related to a consumer

• To disclose information necessary to enforce the bank’s legal or contractual rights or the rights of any other person who is engaged in the financial transaction

• To disclose information required in the ordinary course of banking business, such as the settlement of claims or benefits, the confirmation of information to the consumer or the consumer’s agent, and the billing, processing, or clearing of items in the normal course of business

• To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating the bank, persons who are assessing the bank’s compliance with industry standards, and the bank’s attorneys, accountants, and auditors

• To the extent permissible under the Right to Financial Privacy Act

• To a consumer reporting agency under the Fair Credit Reporting Act

• To comply with federal, state, or local laws, rules, and other applicable legal requirements

At Wyoming State Bank we protect consumer privacy by ensuring that only employees who have a business reason for knowing information have access to it. The bank has appointed a financial privacy coordinator who is responsible for maintaining internal procedures to ensure that our customers’ information is protected. For example, information in loan files can only be accessed by employees who work in the loan origination or loan operations departments.
All employees have a copy of this policy and are trained at least annually regarding the importance of safeguarding customer information.
If we change our policy or practice by, for example, adding a category of information that we will disclose to a third party, we will notify existing customers and give them an appropriate time period to opt out of the disclosure.

We have the same policy about disclosing information about former customers as we do about current customers.