Protecting your privacy is important to Ouachita Independent Bank, our Affiliates, Bankers Mortgage Center and OIB Financial Services, and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for Ouachita Independent Bank, our Affiliates and our employees for collection, use, retention, and security on nonpublic personal information.

WHAT INFORMATION WE COLLECT:

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a credit reporting agency

Nonpublic personal information is information we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history.

WHAT INFORMATION WE DISCLOSE:

We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your accounts with us, to government entities in response to subpoenas and to credit bureaus. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

We may disclose nonpublic information about you to the following types Affiliates:

OIB Financial Services Inc.
Bankers Mortgage Center Inc.
Any other Bank owned Affiliates

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to this privacy policy and practices as described above.

OUR SECURITY PROCEDURES:

We also take steps to safeguard customer information. Your personal and account information is available only to those employees who need that information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with the federal standards to guard your nonpublic personal information.

LINKS:

This Website contains links to other sites. Please be aware that we, Ouachita Independent Bank, are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Website that collects personally identifiable information. This privacy statement applies solely to the information collected by this Website.

NOTIFIY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES

Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(s) should be sent to us at the following address:

Ouachita Independent Bank
P.O. Box 14100
Monroe, LA 71207

If, at any time, you have a concern about your information security, you may contact us at 318-338-3000 or 318-453-3000 or toll free at 866-338-3030