PRIVACY NOTICE

Our bank is required by federal law to inform our customers of our policies regarding customer information privacy. Our bank has always protected our customers' right to privacy in accordance with the law and we will continue to do so.

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

• Information we receive directly from you on applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from consumer reporting agencies.

Nonpublic personal information" means any personal information that is generally not known to the public, such as bank account numbers or social security numbers.

We may disclose all of our former and current customers' nonpublic personal information that we have collected to companies that perform marketing services for us or to other financial institutions that we have a joint marketing agreement with. We will, however, enter into nondisclosure agreements with those companies to ensure that those companies are prohibited from disclosing your personal information to others.

We restrict access to our customers' nonpublic personal information to only those persons or entities that need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard our customer's nonpublic personal information and to ensure that our customer's privacy is consistently maintained.