Privacy Notice and Do Not Call Policy

A message to our customers:

This privacy policy reflects the policy of all of the entities that make up the Monroe Bank and Trust family of companies. This policy applies to both current and former customers, and is designed to comply with the privacy provisions in Title V of the Gramm-Leach-Bliley Act, as well as applicable federal privacy regulations.

Our Consumer Privacy Promise

At Monroe Bank & Trust, and our subsidiary, MBT Credit Company, Inc., and any other affiliated financial service providers we establish in the future, protecting the privacy and confidentiality of your personal information is important to us. We collect, maintain, and use information about you on a routine basis and recognize that you have a right to expect that your personal financial information will remain private and secure. Thus, the safekeeping of customer information is a priority for us.

While this Policy does not apply to business accounts, our commercial customers' information is also very important to us and we will take steps to protect their information.

Information We Collect

We collect, retain, and use nonpublic personal information about individual customers, as allowed by law, to provide products and services to our customers. We collect nonpublic, personal information from the following sources: 

           * Information such as your name, address, phone number, social security number, assets, liabilities and income that we receive from you on applications or other forms and through other means.          

          * Information such as your account balance, transaction activity, payment history, parties to transactions and credit card usage about your transactions with us, our affiliates, or others; and          

          * Information we receive from a consumer reporting agency such as your creditworthiness or credit history. 

Information We Share

We do not disclose any nonpublic personal information about our customers to anyone, except as  permitted by law. We limit who receives customer information and what type of information is shared. And we pledge to conduct the sharing of your information in strict adherence to applicable law.

We may share all categories of nonpublic personal information we collect with other financial institutions with whom we have joint marketing arrangements. In situations where customer information is shared, we require other parties to treat and maintain the privacy of your customer information to at least the same extent and with the same degree of diligence and careful attention that is required by Monroe Bank & Trust.

Within our Corporate Family

Our corporate family of financial service providers includes Monroe Bank & Trust and our subsidiary, MBT Credit Company, Inc. We may also establish other affiliated financial service providers within our corporate family in the future.

We work together to provide the products and services you want and need and may have the need to share all categories of nonpublic personal information we collect within our corporate family of affiliated financial service providers. Under the Fair Credit Reporting Act, we may share certain customer transaction and "experience information" without restriction. This information comes from our account records and includes such things as your:

Name
Address
Account Balance
Account Activity
Types of Accounts
Deposit History

Monroe Bank & Trust and MBT Credit Company, Inc. may also share with each other, and other affiliated financial service providers that we may establish in the future, certain other information about you ("non-experience information") such as the following unless you tell us otherwise through an Opt-out form:

*Information on applications or other forms and documents such as your income, social security number, marital status, and age;

*Information from a consumer report;

*Information on your open lines of credit;

*Information regarding employment, credit, or other relationship history.

By sharing information about you, your accounts and your relationships, we can save you time and money by making it easier for you to do business with us. For example, if you have an account or loan relationship with either of us and want to open an account or obtain a loan from the other, we may share information so that you might not need to furnish the same information twice. Also, by understanding you and your relationship, we can better meet your needs and determine your eligibility for other products and services that could be of value to you.

We will also share information with other affiliates, such as our bank holding company, MBT Financial Corp. that we are permitted to share under the law.

Protecting Your Information

We understand that the protection of your nonpublic personal information is of the utmost importance and that guarding your privacy is our obligation. We restrict employee access to customer information to only those employees who have a business reason to know such information in the course of providing products or services to you. We also educate our employees about the importance of confidentiality and customer privacy, and we require their commitment to this principle. In addition, we maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We protect the physical security of workplaces and records, maintain backup copies of customer data, use computer virus detection and eradication software, and employ hardware, software, and other technical means to guard against unauthorized entry into our computer systems.

Ensuring Information Accuracy 

We continually strive to maintain complete and accurate information about you and your accounts. We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will promptly investigate your concerns and correct any inaccuracies.

Online Privacy and Security 

Monroe Bank & Trust is committed to protecting the privacy of our customers and internet guests. While we do not gather information on visitors to our web site, we may use "cookies" to facilitate online surveys or to track how visitors use our site. For example, when you tell us how you wish to view our website by using the "My Preferences" feature of the MBT home page, our site "remembers" your preferences by placing a cookie on your computer. Cookies help our web site recognize you as a return visitor. Cookies do not store any of your personal or account information, and can not be read by any other website you visit. Cookies are not known to transmit viruses or otherwise harm your computer. You may set your browser to reject cookies, but that will block any preferences you select.  More information regarding cookies may be found in the Help section of your browser, or via the internet. No customer or internet guest information is ever shared outside of the Bank. 

Also, in keeping with the Children's Online Privacy Protection Act (COPPA), we do not knowingly solicit data from children. We recognize that protecting children's identities and privacy online is critical to a safe online experience.

How to Notify Us About Your Information Sharing Preferences
If you prefer that Monroe Bank & Trust and MBT Credit Company, Inc. not share "non-experience information" with each other or with other affiliated financial service providers that we may establish within our corporate family in the future, you may direct us not to share the information by contacting us at 734-242-2241 or 1-800-321-0032 in Michigan or Ohio only and requesting an Opt-Out Form.

Monroe Bank & Trust
102 East Front Street
Monroe, Michigan 48161

If you have previously communicated your information sharing preference to us, you do not have to notify us again. We will continue to honor your previous request.

MBT Do Not Call Policy

• Your request can be in writing or by phone, and must include, at a minimum, your telephone number.
• If you have multiple telephone numbers, tell us all numbers that you want to be included.
• You'll remain on our "Do Not Call" list for five years, unless you ask to be removed.
• If your telephone number ever changes, you must give us your new information for your "do not call" status to remain in effect.

When we solicit prospective customers, we also honor "do not call" requests on behalf of consumers listed on the National Do Not Call Registry maintained by the Federal Trade Commission and various state-agency lists.  Many state "Do Not Call" regulations permit companies to contact their own customers even though they are on these "Do Not Call" lists.  Therefore, if you are a customer, you may be contacted by us even though you are on a state or the national "do not call" list.  If you do not want to be contacted by MBT even though you are a customer, simply follow the steps above to be placed on the MBT "Do Not Call" list and your request will be honored.

Being on the MBT "Do Not Call" list means that you won't receive sales calls by anybody representing MBT. We may still contact you, however, for non-solicitation purposes. This would include things like surveys, billing and other service-related matters.

All employees that engage in outbound telephone solicitation are trained in this policy and are made aware of these procedures before they are allowed to place calls to consumers.  Management reviews the policy with these employees on a regular basis.  The methods and procedures in this “Do Not Call” policy are reviewed by MBT on an annual basis.  If a consumer requests a copy of our “Do Not Call” policy, we will send a copy via U.S. mail or electronic mail.