Our privacy Policy

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Our Commitment To The Privacy And Security Of Your Confidential Information

This web site has been designed to provide information to the general public regarding First Minnetonka City Bank, its products and services, and its local community. In addition this, the site offers bank customers access to FMCBank Online and its internet banking services. As a visitor to this site you will remain anonymous. We do not collect personal nonpublic information about you unless it is voluntarily provided or unless we request such information to verify your identity or process a transaction you initiate. Any personal nonpublic information you provide to us will be maintained in strict confidentiality and in conformity to our general Privacy Policy, located below.

Our servers collect standard non-identifying information about visits to this site, such as date, and time visited, IP address, city, state and county. We use this information to compile standard statistics on site usage. Our internet banking server also collects information in conjunction with FMCBank Online transactions for the purpose of verification and security.

When you use various tools provided on our web site (i.e. loan calculators), the calculations are run on the your PC. We do not capture personal information entered in conjunction with the use of these tools.

You may contact us by e-mail. However, e-mails are not via a secure server. If you provide personal nonpublic information via e-mail, the information may not be subject to the same security controls used for FMCBank Online transactions. We will never send personal nonpublic information about you via e-mail unless you specifically request us to do so.

We have attempted to link our site to other sites that may be of interest to our visitors. However, we cannot control information on other Internet sites, and therefore we cannot be responsible for their content or operation.

FIRST MINNETONKA City Bank
PRIVACY POLICY

OUR POLICY
The collection, storage and sharing of customer information is an important part of delivering useful banking products and services to consumers. To serve you, as a customer, efficiently and conveniently, we make use of modern technology and customer information. We know you are concerned about privacy and our use of information you give us. We are committed to ongoing review of our procedures and policies in the interest of protecting your privacy. As a result, we have established the following privacy principles to provide guidance in our dealings with consumers:

WE RECOGNIZE YOUR EXPECTATION OF PRIVACY.
We understand that you expect us to maintain proper safeguards to protect confidential information you provide to us. We have established policies and procedures to help prevent misuse of that information.

WE USE, COLLECT, AND RETAIN INFORMATION ABOUT YOU ONLY FOR LEGITIMATE BUSINESS PURPOSES.
We may obtain non-public personal information about you from many sources. These sources may include:

(a) information provided to us by you, on applications and other forms
(b) information regarding your transactions with us or resulting from your use of our products and services
(c) information about your transactions with nonaffiliated third parties and
(d) information derived from a consumer reporting agency.

We, in turn, gather, use and maintain this information about you, only if we believe:

(a) it is necessary or useful as part of our relationship with you, or
(b) it will serve your interests, or
(c) it will help us provide you with products and services meeting your needs, or
(d) it is required by law or regulation.

WE DO NOT DISCLOSE PERSONAL NON-PUBLIC INFORMATION TO NON-AFFILIATED THIRD PARTIES FOR THEIR INDEPENDENT USE UNLESS:

(a) such disclosure is authorized by you, or
(b) it is disclosed for the business purposes outlined below, or
(c) you have been notified in advance and given the option to opt out of the disclosure

"Nonpublic personal information" is personally identifiable information about you or your transactions that would not otherwise be available through alternative public sources.

WE STRIVE TO ENSURE THAT OUR RECORDS ARE UP-TO-DATE AND ACCURATE IN ACCORDANCE WITH COMMERCIAL STANDARDS.
We have procedures in place for maintaining and updating information about our customers. We also have procedures for timely correction of inaccurate information after we become aware of the inaccuracy. In addition, various state and federal laws impose specific obligations and standards on us with respect to the accuracy of information we maintain, and the correction of erroneous information.

WE HAVE POLICIES AND PROCEDURES ADDRESSING EMPLOYEE ACCESS TO INFORMATION ABOUT YOU.
We have procedures in place intended to limit employee access to personal non-public information about you. Employee access to this information is limited to those employees who, because of their position or responsibilities, have a business reason to know or have access to such information. Our employees are informed of their responsibility to protect confidential information you give to us. All of our employees are bound by our Code Of Ethics, which addresses the importance of confidentiality and customer privacy.

WE MAINTAIN STANDARDS AND PROCEDURES INTENDED TO HELP PREVENT UNAUTHORIZED ACCESS TO INFORMATION ABOUT YOU.
We have established security procedures and safeguards, in accordance with commercial standards, intended to prevent access to your confidential information by unauthorized persons. We periodically upgrade and test these security procedures and safeguards.

DISCLOSURE OF INFORMATION TO AFFILIATES AND NON-AFFILIATED THIRD PARTIES
From time to time we may share the following nonpublic personal information about you with our affiliates, companies that perform marketing services on our behalf and other financial institutions with whom we have joint marketing agreements in order to offer additional financial products and services, when we have reason to believe these products or services will be of interest to you:

(a) Based on information that you have provided to us such as your name, address, assets and income etc.
(b) Information about your transactions with us or our affiliates based on account balances, maturities, payment histories, and products mix, etc.

It is also sometimes necessary for us to disclose confidential customer information to non-affiliated third parties for the purpose of :

(a) supporting products and services that we provide, or
(b) processing of your authorized transactions, or
(c) safeguarding the security of the bank and its customers, or
(d) other business purposes allowed by law.

Such information is only shared the extent necessary and we require those third parties to agree to safeguard confidential information about you and to observe all applicable laws and regulations about privacy, except to the extent required by federal or state law to the contrary.

NON-DEPOSIT INVESTMENT PRODUCTS
To provide a wider range of financial products to our customers, the bank may from time to time disclose non-public personal information you have given us or about you or your relationship with the bank to a member of the bank's staff , authorized to act on behalf of a third party investment broker. The information so provided will only be used by that employee to identify customers with a potential interest in various insurance and investment products and will not be disclosed to the brokerage firm for their independent use.

WE DISCLOSE INFORMATION WHEN REQUIRED BY LAW OR REGULATION
There are many state and federal laws that require us to disclose information to various government entities. Some examples of these laws are the Bank Secrecy Act, the Internal Revenue Code, and the Right to Financial Privacy Act. There are many other laws and regulations that require us, and our contractors and service providers, to disclose information. In addition, if you are involved in a legal proceeding, state and federal law provide the parties to the litigation with the right to obtain records and information from us. In all these instances, we will disclose the information whenever required to do so by law, regulation, lawful judicial or administrative process, or court order.

The policies and procedures described above shall remain in effect and shall not be modified without first providing you with advance notification of the change. Notwithstanding such notice, these policies and procedures shall continue to govern our use of nonpublic personal information even after you discontinue your relationship with us. If you have any questions with regard to these policies and procedures please contact Kevin Geraghty at (952) 935-8663.

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