Privacy Statement  

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

This is our privacy notice for our current customers and former customers.  When we use the words “you” and “your”, we mean all of our consumer customers who have a current relationship with us and former customers who had a relationship with us, such as:

                ·                      Deposit Account

                ·                      Loan Account

·                      Safe Deposit Box

We will tell you the sources of the information we collect about you.  We will tell you what measures we take to secure that information.   

DEFINITIONS

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.  Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.  

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.  

A nonaffiliated third party, or other party, is a person who we do not employ or a company that is not an affiliate of ours.   

Transaction and experience information is information that relates solely to transactions or experiences between the consumer and the financial institution such as loan payment history, or the size of balances maintained in deposit accounts.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

·                      Information you give us on applications or other forms

·                      Information about your transactions with us

·                      Information about your transactions with other parties

·                      Information from a consumer reporting agency

·                      Information we receive as a result of verifying customer information  

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic and procedural safeguards that comply with federal standards to protect this information.  

YOUR INFORMATION - AND OUR AFFILIATES

If a financial institution shares certain types of information with affiliates, it must provide an opt out right.  We have decided not to share your information in those ways.  This means we have OPTED OUT ON YOUR BEHALF and you do not need to take further action.  We will not disclose nonpublic personal information about your transactions and experience with us to our affiliates.  

YOUR INFORMATION - AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted or required by law.  Examples of this might include disclosures necessary to service your account or to prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We will not disclose information about former customers, except as permitted or required by law.