Customer Privacy Policy & Notice

Sherman/Howard County Bank presently shares NO customer information with any entity that is not an affiliated company or service provider except that information that is permitted by the privacy laws of the United States and the State of Nebraska. The Bank provides this Privacy Policy & Notice to explain our total commitment to customer privacy. If your privacy is of concern to you we ask that you read this and be assured that the Sherman/Howard County Bank considers your privacy to be extremely important. Should you ever be concerned about your privacy please contact Bank Management immediately at (308)745-1500.

Recognition of Your Expectation of Privacy

At Sherman/Howard County Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with Sherman/Howard County Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below. Thus, the safekeeping of customer information is a priority for Sherman/Howard County Bank. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call the Sherman/Howard County Bank at 1-308-745-1500 or e-mail our Compliance Officer at

Customer Benefits of Institution's Information Management Practices

Information about consumers is accumulated from a variety of sources. Some information is provided to Sherman/Howard County Bank directly by customers themselves. Other data is developed by Sherman/Howard County Bank as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help us identify and mitigate potential risks or loss to Sherman/Howard County Bank. We will use information to help identify additional products or services that we believe customers might want to know about. We will use this information only in accordance with the principles set out in this Policy and the law.

Maintenance of Accurate Information

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Limitations on Employee Access to Information

Each Sherman/Howard County Bank employee is required to follow our Company's "Code of Conduct," which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all Sherman/Howard County Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

Protection of Information via Established Security Procedures

Sherman/Howard County Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Restrictions on the Disclosure of Account Information

We do not reveal specific information about your nonpublic personal information to parties outside our bank and affiliated companies for their independent use unless:

1) you request or authorize it; 
2) the information is provided to help complete a transaction initiated by you; 
3) the information is provided to a reputable credit bureau or similar information reporting agency; or 
4) the disclosure otherwise is lawfully permitted or required. 

We do not provide nonpublic personal information to Non-Sherman/Howard County Bank companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Use And Sharing Of Information Within Our Affiliated Companies

To provide you with superior service and inform you of product opportunities and for other business purposes, the companies affiliated with Sherman County Bank (which includes Prime Trading, Inc. and Sunrise Investments) share information about you and your products and services among themselves.

When the Bank conducts business with our affiliated companies, it requires it’s affiliated companies to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

Question #1: How do I benefit when you share information about me and my products and services within your affiliated companies.
Answer #1: We provide products and services to customers through a number of separate companies and the Sherman County Bank and it's Howard County Bank branches. By allowing our affiliated companies and service contractors to share information about you and your products and services with each other, you enable us to serve your total financial needs. You may receive easier access to certain account features, new or enhanced products, special promotional offers, and certain discounts that you might not otherwise know about or be eligible to receive.

Question #2: If I request to be excluded from affiliate sharing of information, as explained above, will all of your affiliated companies honor this request?
Answer #2: When we process your request, all of our affiliated companies will honor your request, although certain information about you and your products and services with us still may be shared (as explained below). You cannot selectively request to be excluded on a company-by-company basis or product-by-product basis.

Question #3: If I request to be excluded from affiliate sharing of information, what information about me and my products and services with you will and will not be shared within your affiliated companies?
Answer #3: This is a complex question because the Fair Credit Reporting Act and certain other laws permit you to direct us not to share certain information within our affiliated family - but these laws also permit us to share certain other information within our affiliated family. Even if you "request to be excluded from affiliate sharing of information," we will share this other information about you and your products and services with each other to the extent permitted by law, as discussed below.

Fair Credit Reporting Act

The Fair Credit Reporting Act is the primary law that covers information sharing within our affiliated companies. This Act permits our affiliated companies to share with each other the following types of information: identification information about you; information about your transactions with any of our affiliated companies; and information about the experiences of any of our affiliated companies with you.

Information that bears on your creditworthiness, personal characteristics, mode of living or the like (other than identification, transactional, and experiential information described above) we refer to as personal/credit information -which is covered under the Fair Credit Reporting Act. When you request to be excluded from affiliate sharing of information, we cannot share this personal/credit information about you from your applications or agreements, from credit reporting agencies, or from other sources when this information would be used to determine your eligibility for additional consumer credit or insurance products of our affiliates to market to you or in other situations when it would be classified as a "consumer report" under the Fair Credit Reporting Act.

We will, of course, honor your request not to share this personal credit information to determine your eligibility in these situations, but we will continue to share it in certain other situations, such as to service your accounts or to prevent fraud, consistent with the Fair Credit Reporting Act.

Other Restrictive Laws

Other laws and rulings also regulate our ability to share certain information within our affiliated companies in particular circumstances or to offer you products and services in particular cases. Some laws, for example, prohibit us from sharing certain information within our affiliated companies without your express written or oral consent or, in a few cases, under any circumstances. Whether or not you have provided us with a "request to be excluded from affiliate sharing of information," of course, we abide by these laws.

Right To Prevent Information Sharing

Reminder: Sherman/Howard County Bank presently shares NO customer information with any entity that is not an affiliated company of the Bank except that information that is permitted by the privacy laws of the United States and the State of Nebraska.

You May Direct Us Not To Share Information With Affiliates

You may direct us not to disclose to our affiliate companies information that does not relate solely to our or our affiliates’ experiences or transactions with you or your account (such as the application information and credit bureau information) by:

1. Calling us at 1-308-745-1500; or 
2. By writing us at:
Sherman County Bank
PO Box 543
Loup City, NE 68853

You must provide us your name, Social Security Number and account numbers affected by your request. We will code your accounts indicating your request to not share information as outlined above.

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