A SERVICE

YOU CAN

COUNT ON

Privacy. As individuals we all value it and want to protect our own.

Privacy. We all consider it a right.
Yet there is no single source of privacy rights, or one source of privacy law or regulation, in the United States.

Privacy. Information is the key to providing you with the service you expect. When you provide us with personal information we know you also give us your trust:

Trust that we will safeguard your privacy rights.

Trust that we know how to respect those rights while utilizing this information for your financial well being.

Trust that is the cornerstone of our business.

We want to thank you for your trust
and assure you it is well-founded.

In General

We do not reveal specific information about your accounts or other nonpublic personal information to nonaffiliated third parties (organizations not owned by our parent company) for their independent use, with some major exceptions described further in this brochure.

Products and Services Covered

This notice applies to nonpublic personal information we obtain about you related to our deposit and loan products — for example, when you open an account or apply for a loan. It also may cover nonpublic personal information we obtain through providing other services, such as safe deposit.

We collect nonpublic personal information about you from the following sources:

¨ Information we receive from you on applications or other forms;

¨ Information about your transactions with us, our affiliates, or others; and

¨ Information we receive from a consumer reporting agency.

If you decide to close your account's or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

A non exhaustive listing of information we might share under the situations described includes:

Information we receive from you:

¨ Address

¨ Phone number

¨ Social security number

Information we receive from other parties:

¨ Assets and/or income

¨ Account balance

¨ Payment history

¨ Parties to transactions

¨ Credit card usage

Information we receive from consumer reporting agencies

¨ Credit record

¨ Credit history

Who We Do Not Share Information With

As a matter of both policy and routine operating procedure, we do not share or disclose nonpublic personal information about our customers or former customers with any nonaffiliated third party, except as permitted by law or at your direction. We believe this is the best way is assure protection of your financial privacy.

In Other Words…

Your Right to “Opt Out” Is Automatic With Us

Consumers always have the right to direct that a financial institution such as ours not disclose nonpublic personal information about you to nonaffiliated third parties (other than disclosures permitted or required by law). However, we take this opportunity in explaining our policy to emphasize that there is no need for you to make such an election. Once again, we will not share nonpublic personal information about you with any nonaffiliated third party, unless you specifically direct us to, or unless permitted or required by law.

Information We Are Permitted to Share

About You

We are always permitted by law to share specific information about your accounts or other nonpublic personal information about you under the following circumstances:

1. To exchange information with reputable consumer credit reporting agencies.

2. To maintain our overall standards of performing in a prudent manner.

3. To help complete a transaction initiated by you.

4. When you request us to disclose such information to a third party.

5. The information is required and allowed to be provided by law, including judicial process.

We also may share all of the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

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