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Disclaimer Policy

Disclaimer Policy and Privacy

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Rayne State Bank & Trust Co has a long, proud legacy of confidentiality in dealing with our customers’ information. Privacy is the centerpiece of our business. We are committed to providing the highest level of privacy and security with reference to information the bank presently has and to the collection and use of our online banking customers' personal information, as well as that of all visitors to our Web site. A detailed description of Rayne State Bank & Trust Co.'s Online Banking Privacy Policy is provided below. If you have additional questions regarding the privacy of your personal information, contact us.

The Board of Directors has designated the Sr. Administrative Officer as the individual responsible for the overall administration of the Customer Information Policy "Privacy Policy." The Compliance Officer will ensure proper procedures for monitoring, maintenance of records, and training are being followed. Periodic audits will be performed by the internal audit department and/or other outside parties. Annually, the policy will be reviewed and approved by the Board of Directors.

Respect of Right to Privacy

Rayne State Bank & Trust Company respects your right to privacy and takes every precaution to provide you with the same level of privacy within our virtual branch that you receive through more traditional bank delivery channels.

Collection and Use of Personal Information

We collect information about you from the following sources: i) Information you give us on applications or other forms, ii) information about your transactions with us, iii) information about your transactions with our affiliates, iv) information about your transactions with other parties, and v) information from a consumer reporting agency. The bank will collect, retain, and use information about our customers only when we believe it will help administer our business or provide products, services, or other opportunities to customers. All personal information collected and stored by the bank is used for specific business purposes; to protect and administer your personal records, accounts, and funds; to comply with state and federal banking regulations; and, to help the bank better understand your financial needs in order to design or improve our products, services, and delivery systems.

A. E-Mail and Forms:

Through the Web site, Rayne State Bank offers opportunities to apply for various products and services online, such as Online Banking. If you are browsing or visiting our site, be assured that your personal information, including your e-mail address, will not be collected. If you elect to send an e-mail message, inquire about one of our financial products or services, or complete a form, then personal information may be requested and retained. It is imperative that you end your browser session before leaving your computer for added security.

B. Identity Theft and Phishing:

Rayne State Bank will not send out an e-mail requesting verification of private information. If you receive a fraudulent e-mail, please notify us immediately at 200 S. Adams Ave., Rayne, LA 70578, 337.334.3191 or 337.235.2062, For more information on Identity Theft and Phishing Scams.

C. Applications for Products and Services:

Employing stringent security measures in the collection of your personal information, all Rayne State Bank & Trust Company online account applications are submitted to the bank’s secure administration site through an encrypted direct line to the bank. Once received by the bank, only approved personnel may open and process the application. Furthermore, auditing mechanisms have been put into place to further protect your information by identifying which employee(s) has accessed and in any way modified (for example, updated) or added to your personal information.

Online Banking

Rayne State Bank & Trust Company uses a third-party service provider to process all banking transactions, including online banking transactions. Information is maintained in our system or the system of our third-party provider, depending upon what is required by you, our customer. In order to secure and protect your personal information, we require a user I.D. and password to access your accounts. If this information is not provided, you will not be able to establish the online banking connection with us. It is important that you do not share this information with anyone. You must change your password regularly, and remember to sign off before leaving online banking.


Cookies are pieces of information created and transmitted to your Web browser when you click on a link. Your browser stores the information on your hard drive. Cookies provide a way for a server to recall a previous request from a particular Web browser. We use "cookies" on our Web site to track trends and behaviors, but we are unable to identify the individual. The cookie is used only for site management purposes and does not contain any sensitive information such as passwords or account numbers.

Maintenance of Accurate Information

It is in the best interest of both you and the bank to maintain accurate, current, and complete records concerning your personal information. The bank will not provide any consumer reporting agency with information relating to a customer if we know that the information is inaccurate. The bank will also not provide information to a consumer reporting agency in the following situations:
  • The consumer has notified the bank in writing, at the address specified by the bank, that specific information is inaccurate.
  • The information is inaccurate or incomplete.
If the bank learns that the information we provided a consumer reporting agency is not accurate or complete, we will take the following steps:
  • Promptly notify the consumer reporting agency that the information is not accurate or complete.
  • Provide the agency with corrections to the information or any additional information necessary to make the information accurate or complete.
  • Refrain from providing the agency any information that remains inaccurate or incomplete.
If a customer disputes the accuracy or completeness of information in a consumer report that the bank provided to a consumer reporting agency, the bank will not provide the information to any consumer reporting agency without a notice that the customer disputes the information.

For this reason, Rayne State Bank & Trust Company allows you to update your personal information online, at anytime, through the submission of encrypted e-mail requests sent to the bank's secure administration site. Notifications are immediately sent to approved bank personnel alerting them to the receipt of your request. This procedure allows Rayne State Bank & Trust Company to update your personal information within a timely manner.

Voluntary Account Closures

The bank will notify consumer reporting agencies about customers who voluntarily close their accounts during the period the bank normally reports their credit history. We do not disclose information about former customers, except as permitted by law.


If the bank provides information to a consumer reporting agency regarding a delinquent account placed for collection, charged off to profit and loss, or subjected to any similar action, the bank will tell the agency no more than ninety (90) days after providing the information of the month and year the delinquency began.

Disputes About Information in Consumer Reports

If a customer notifies a consumer reporting agency that it disputes information the bank provided, the bank will take the following steps after receiving the notice from the agency
  • Investigate the disputed information
  • Review all relevant information the agency provided
  • Report the results to the agency
If the bank's investigation finds that the information is inaccurate or incomplete, the bank will report the results to all other consumer reporting agencies to whom the bank reported the information. The bank has thirty (30) days from when the consumer reporting agency received the notice to meet the above requirements.

Limited Employee Access to Personal Information

Rayne State Bank & Trust Company limits employee access of your personal identifiable information to only those bank administrators with a business reason for knowing the information. Rayne State Bank & Trust Company also educates all employees about the importance of confidentiality and customer privacy. In addition, individual user names and passwords are used by approved bank personnel to access your personal information online, providing audit trails to further safeguard the privacy of your personal information. Bank management is directed to take appropriate disciplinary measures to enforce employee privacy responsibilities.

Security Procedures to Protect Information

Bank management is directed to maintain security standards and procedures to help prevent unauthorized access to confidential information about customers. Rayne State Bank & Trust Company will update and test the technology on an ongoing basis to ensure the protection and integrity of customer information.

The Gramm-Leach-Bliley Act currently requires every financial institution to maintain appropriate controls to ensure the proper disposal of “customer information.” Section 216 of the FACT Act adopts the same guidelines for proper disposal of “consumer information” derived from a consumer report. Therefore, Rayne State Bank will treat both types of information the same for disposal purposes.

Third-Party Disclosure Restrictions

Rayne State Bank & Trust Company follows strict privacy procedures in regard to protecting your personal information. We do not disclose any information about you to anyone, except as disclosed in this policy or as permitted by law. Limits are placed on who receives information and what type of information is shared. In addition, the bank requires all third parties with a business need for accessing this information to adhere to similar and equally stringent privacy policies.

The bank will not reveal specific information about customer accounts or other personally identifiable data to parties other than affiliated banks and companies for their independent use unless: (i) you request or authorize it; (ii) the information is provided to help complete a transaction initiated by you; (iii) nonaffiliated parties are performing services or working for us; (iv) the information is exchanged with consumer reporting bureaus and similar organizations or disclosure is made when legally bound by law (e.g., subpoena or the investigation of fraudulent activity), or (v) legally required in connection with an acquisition or sale.

Authorized Sharing – Joint Marketing

We may disclose the following information to other financial institutions with whom we have joint marketing agreements: information you give us on an application or other forms such as name, address, etc. We disclose the information listed above to other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

A. Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses: financial service providers, such as life insurers and private label credit card issuers.

B. Reasons for Disclosure

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

C. Limitations on Disclosure

Here are the limitations we impose on the use of information disclosed to other financial institutions with whom we have joint marketing agreements: We only allow direct mail solicitations.

Disclosure of Privacy Policies

Rayne State Bank & Trust Company is committed to ensuring the privacy of its customers' personal information. For more information regarding the Rayne State Bank & Trust Company Online Banking Privacy Policy, contact us.