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FACTS WHAT DOES MARKET STREET BANCSHARES, INC. AND ITS SUBSIDIARIES: PEOPLES NATIONAL BANK, N.A. AND ITS SUBSIDIARY PEOPLES ECONOMIC DEVELOPMENT CORPORATION; PNB ASSET MANAGEMENT COMPANY, LLC. 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 and income
  • Account balances and payment history
  • Credit history and credit score
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 Market Street Bancshares, Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Market Street Bancshares, Inc. 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 No
For our affiliates’ everyday business purposes – information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes – information about your creditworthiness No We do not share
For non-affiliates to market to you No We do not share
Questions? Call 1.877.378.1909 or go to www.peoplesnationalbank.com
Who We Are
Who is providing this notice? Market Street Bancshares, Inc. which includes its subsidiaries: Peoples National Bank, N.A. and its subsidiary Peoples Economic Development Corporation; PNB Asset Management Company, LLC
What We Do
How does Market Street Bancshares, Inc. 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.
  • Market Street Bancshares, Inc. uses a full range of Internet security measures, including cryptography, routers and firewalls, and a trusted operating system to complete our overall security architecture.
How does Market Street Bancshares, Inc. 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.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include financial companies such as Peoples National Bank, N.A., PNB Asset Management Company, LLC and nonfinancial companies, such as Peoples Economic Development Corporation.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Peoples National 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.
  • Peoples National Bank joint marketing partners include credit card providers.

Here, the Golden Rule still applies.