Privacy Policy

This Privacy Notice applies to consumers who obtain financial products or services from PSB Bank for personal, family, or household purposes. It explains how we collect, share, and protect your personal information as required by federal law.

Rev. 05/01/2024

Facts	What does PSB Bank do with your personal information?
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 depends on the product or service you have with us. This information can include: Social Security number and income Account balances and transaction history Payment history and credit history
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 PSB Bank chooses to share; and whether you can limit this sharing.

Facts

What does PSB Bank do with your personal information?

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 depends on the product or service you have with us. This information can include:

Social Security number and income
Account balances and transaction history
Payment history and credit history

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 PSB Bank chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does PSB 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	Yes
For our affiliates' everyday business purposes - information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes - information about your creditworthiness	Yes	Yes
For nonaffiliates to market to you	No	We don’t share

Questions?	Call 573-409-4057 or go to www.ourpsb.com
To limit our sharing	Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provided or sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. SMS consent and phone numbers collected for SMS purposes are not shared with third parties or affiliates.

Questions?

Call 573-409-4057 or go to www.ourpsb.com

To limit our sharing

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provided or sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. SMS consent and phone numbers collected for SMS purposes are not shared with third parties or affiliates.


Who we are
Who is providing this notice?	Rhineland BancShares, Inc., PSB Bank, and Peoples Savings Wealth Management, LLC


What we do
How does PSB Bank 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.
How does PSB Bank 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 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 nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies, such as Rhineland Banchshares, Inc. PSB Bank, a wholly owned subsidiary of Rhineland BancShares, Inc. and Peoples Savings Wealth Management, LLC, a wholly owned subsidiary of PSB Bank.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. PSB 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 Insurance Companies, Credit Card Companies, Identity Theft Insurance Providers, and Financial Product or Service Companies
Other Important Information	Special Notice For State Residents. In many jurisdictions, there are laws and regulations governing the handling of personal data, PSB Bank commits to not sharing personal information to comply with these laws and avoid potential legal consequences.