Privacy Policy

Mutual Bank recognizes our customers' expectation of confidentiality for the personal and sensitive information that is maintained in your behalf.

One of the basic reasons that relationships are established with financial institutions is the feeling of trust that comes with the quality service you've come to expect from us. To that end, standards and procedures will be maintained to protect your privacy and prevent the misuse of information you choose to share with the bank.

We strive to provide pertinent information about how we may serve you. Whether you are a valued long-time customer or shopping for new bank services, we hope our site answers your questions regarding our products, services, hours and locations.

We collect information on visitors to our web site in the aggregate for internal review purposes only, you can be comfortable that we do not share any information with other entities. Aggregate information enables us to determine areas of the site that are of the most interest to our users, identify peak usage times, and evaluate the effectiveness of promotional areas within the site.

As a visitor to our web site, you are not required to disclose any personally identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us. We pledge that when you communicate with us via e-mail, we will only use that information for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor shared with others outside the bank unless we are compelled to do so by law.

As an Internet Banking customer we may collect, retain, and use non-public personal information about you to provide products and services and to administer your business relationship with us. We may collect this information from the following sources:

• Applications or other forms submitted by you;
• Information about your transactions with us, our affiliates, or other non-affiliated third parties;
• Information we receive from consumer reporting agencies.

We may disclose non-public personal information about our Internet Banking customers to our affiliates and other non-affiliated third parties that perform servicing functions on our behalf. We do not disclose any non-public personal information about customers or former customers except as permitted or required by law.

We may share non-public personal information with affiliates or certain non-affiliated third parties in the normal course of business to the extent permitted in order to provide products or services of value or to service your account. Example of such reasons for sharing this information might include:

• Record Keeping
• Distribution of materials
• Computer related services
• Joint marketing of products and services
• Statement preparation
• Administrative services

When we provide non-public personal information to a service provider, we require that provider to safeguard your information as we do, and to use information only for the purpose intended through our relationship.

In certain instances, it is necessary to provide personal information about you to a third party in support of specific products or services you hold. An example would be a vendor that we hire to prepare an account statement or a payment coupon.

These vendors and service companies agree to safeguard our confidential information about you and your products, except as required by law.

Whether you are a visitor to our site or an Internet Banking customer, our goal is to guard your privacy. We strive to maintain up-to-date customer records and endeavor to keep such information current and complete. We maintain policies and procedures that restrict employee access to those persons who have a business reason to know such information, and we educate our employees about the importance of confidentiality and security required when dealing with customer information. We maintain physical, electronic and procedural safeguards to protect your non-public personal information. We update and test our systems to protect the integrity of our system and the information contained therein.

We want you to understand our commitment to safeguard your personal privacy. We welcome your questions concerning these issues. You may contact our Customer Service Center by telephone (1-800-382-8031), e-mail (customerservice@mfsbank.com) or by mail at Mutual Bank Customer Service, P.O. Box 551, Muncie, IN 47308-0551.