Privacy Policy

Your privacy is important to us

rev. March 2021

Facts Table
Facts	WHAT DOES MALVERN BANK & DIRT TRACK BANK, A DIVISION OF M ALVERN 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 depend on the product or service you have with us. This information can include: Social Security number, income and tax information account balance and payment history credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share 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 Malvern Bank & Dirt Track Bank chooses to share; and whether you can limit this sharing.

Reasons why we share certain data, what data we share, and if you can limit our sharing
Reasons we can share your personal information	Does Malvern Bank & Dirt Track 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	No	We Do Not Share
For joint marketing with other financial companies	No	We Do Not Share
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We Do Not Share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We Do Not Share
For nonaffiliates to market to you	No	We Do Not Share

Questions?	Call toll-free 712-624-8686 Malvern Bank or 1-877-DIRTBNK Dirt Track Bank

What we do with personal information
What we do
How does Malvern Bank & Dirt Track 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 Malvern Bank & Dirt Track 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 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.

Definitions of terms
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Malvern Bank & Dirt Track Bank has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Malvern Bank & Dirt Track Bank does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Malvern Bank & Dirt Track Bank doesn' t jointly market.