Columbus  Bank and Trust Company

Big Enough to Have it All!
Small Enough to Care!

We're proud to be your locally owned bank in Columbus, Nebraska.

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Columbus Bank and Trust Company's Privacy Statement

Visitors to this bank Web site remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

• Date and time our site was accessed

• IP Address (A numeric address given to servers connected to the Internet)

• Web browser used

• City, State, and Country

Visitors may elect to provide us with personal information. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.

For more information or questions regarding this policy, contact the bank at:

COLUMBUS BANK & TRUST COMPANY • 2501 13TH STREET • COLUMBUS, NE 68601
(402) 564-1234 • (800) 343-2282

Columbus Bank and Trust Company's Financial Privacy Policy

We collect information from and about you in order to identify you as our customer, establish and manage customer accounts, complete customer transactions, understand customer needs through market research, market products and services we believe meet customer needs and comply with legal and regulatory requirements.

Examples of Types of Information we collect

• Contact information we receive from you.

(i.e. name, address, and telephone number). We use contact information to identify you, sent you information about our products and services and call or write to you about your accounts.

• Identification information we receive from you.

(i.e. social security number). We may need your social security number, for example to obtain a credit report when you apply for credit with us, report interest earnings or mortgage interest payments to the IRS, or to comply with other legal requirements.

• Financial profile information we receive from you.

(i.e. income, assets, liabilities). We use this information to process applications and make appropriate product and service recommendations to help you get the most from your relationship with Columbus Bank.

• Information about your transactions and experiences with Columbus Bank.

(i.e. your account balances, payment and overdraft history, parties to transactions and account usage). We use this information to process your requests quickly, recommend appropriate products, and price products and services competitively on the basis of your entire relationship with us.

• Information about your transactions with other companies.

We may use this information when you apply for credit.

• Information about you from consumer reporting agencies.

(i.e. your credit history and creditworthiness). We use this information when we process applications, monitor and collect existing accounts, make "pre-approved" offers and as other permitted by law.

Polices and Procedures
Columbus Bank limits employee access to customer information to those employees with a legitimate business need for the information. We have adopted procedures and training designed for the protection of customer information. Our safeguarding practices help protect against the criminal use of your information. It is the responsibility of each Columbus Bank employee to comply with our Privacy Policy.

Sharing of Information
We may disclose nonpublic information about you to our affiliates or nonaffiliated third parties as permitted by law. In general, our disclosures are to parties that provide services for us to that we may more efficiently process the transactions and services you request. We may disclose any information collected as noted above (other than medical information) to financial institutions with which we have a joint marketing agreement to jointly offer or sponsor products or services. Our agreements with those parties require them to use your information responsible and limit their ability to share this information with other parties.

Non-Financial Companies for Marketing Purposes
It is our policy not to sell, rent or otherwise provide customer information to outside companies so they can market non-financial products or services unless our customers authorize us to do so.

Other Circumstances
We may share customer information with unaffiliated third parties when our customers request or give us permission to do so or when we are permitted or required to do so by law. Some examples include the following:

• When completing your transactions, (i.e. paying your checks, purchasing securities for your account, or following online payment directions)
• In order to respond to your service requests
• When we share information with consumer reporting agencies
• When we verify account status for merchants you want to pay by check
• When we suspect fraud or for risk management purposes
• When we are required by a federal, state or local law or regulation to do so
• When we receive a subpoena or are ordered by a court to do so

Former Customers
We do not disclose information about former customers, except as may be permitted or required by law. Examples of circumstances when we may share information about former customers are listed above.

It's Your Choice
We have adopted and prepared this Privacy policy so that you know how we treat your personal information and how we will ensure that it remains confidential. If you have any further questions regarding these principals, please email or contact us at 402-564-1234. You can write or notify us of your desire to "opt out" for special marketing offers by the bank or our affiliates at the addresses below:

Email: colbank@megavision.com
Columbus Bank and Trust Company • P.O. Box 98 • Columbus, NE 68602-0098