OUR PRIVACY POLICY

The following privacy principles were established to maintain the security, integrity and confidentiality of your personal financial information.

The Type of Information We Collect

We routinely collect and retain the information we obtain from  your account applications, transaction history (for deposits, loans, credit cards, etc.) and from consumer reports.  This information helps us:

• To establish and administer your accounts.  (Example:  We ask for personally identifying information to protect your accounts from fraud.)
• To satisfy certain regulatory requirements.  (Example:  When you open an account that pays interest, we are required by the Internal Revenue Service to obtain your social security number.)
• Better understand you so that we may provide you with additional or improved products and services.  (Example:  We require information concerning your credit history and your assets to determine if you qualify for loan approval.)

What Information Do We Disclose to Complete a Transaction?

In order to process transactions we have to disclose certain information.

• This information includes, but is not limited to, your current address, prior address, phone number, social security & credit history.
• This information is reported to, but not limited to, credit reporting institutions to process accounts, merchants to verify account balances and other financial institutions to payoff information.
• We do not disclose any nonpublic personal information except as permitted by law.

How Is That Information Protected?

Access to your personal identifiable financial information is limited to employees with a specific business reason for utilizing this data.  Our employees are educated about the importance of maintaining confidentiality and customer privacy.  If necessary, we take appropriate disciplinary steps to enforce our employees' responsibility to protect your very personal information.

In order to prevent unauthorized access to your information, we maintain security standards and procedures that conform with industry practices.  These security standards and procedures are routinely tested to verify the integrity of our systems.

When opening your account a four-digit or letter password should have been established in order for you to call in for account information.  If one was not established or you cannot remember the password, please contact the bank.

CUSTOMERS WHO HAVE QUESTIONS ABOUT OUR PRIVACY PRACTICES SHOULD CONTACT THE BANK.

This policy applies to both present and former customers.

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