Privacy Notice

Rev. April 2015

FACTS

WHAT DOES THE MALVERN NATIONAL BANK, N.A 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:

  • Transaction history
  • Credit history
  • Account transactions
  • Social Security number
  • Account balances
  • Payment history

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 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 The Malvern National Bank, N.A. chooses to share; and
whether you can limit this sharing.

Reasons we can share your personal information


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

Does The Malvern National
Bank, N.A. share?

Yes

Can you limit this sharing?

No


For our marketing purposes—
to offer our products and services to you

Does The Malvern National
Bank, N.A. share?

No

Can you limit this sharing?

We don’t share


For joint marketing with other financial companies

Does The Malvern National
Bank, N.A. share?

No

Can you limit this sharing?

We don’t share


For our affiliates’ everyday business purposes—
information about your transactions and experiences

Does The Malvern National
Bank, N.A. share?

Yes

Can you limit this sharing?

No


For our affiliates’ everyday business purposes—
information about your creditworthiness

Does The Malvern National
Bank, N.A. share?

No

Can you limit this sharing?

We don’t share


For our affiliates to market to you

Does The Malvern National
Bank, N.A. share?

No

Can you limit this sharing?

We don’t share


For nonaffiliates to market to you

Does The Malvern National
Bank, N.A. share?

No

Can you limit this sharing?

We don’t share


Questions?

Call 501-332-6955 or go to www.mnbbank.com


What we do


How does The Malvern
National Bank, N.A. 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.
We also maintain other physical, electronic and procedural safeguards to protect your
information. We limit employee access to your information to those employees for whom
access is appropriate.

How does The Malvern
National Bank, N.A. collect
my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from
  • Your account
  • Provide account information
  • Give us your contact information

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


Affiliates

Companies related by common ownership or control. They can be financial and
nonfinancial companies.

  • Our affiliates include financial companies such as MNB Insurance, LLC.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and
nonfinancial companies.

  • The Malvern National Bank, N.A. 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.

  • The Malvern National Bank, N.A. doesn’t jointly market.