Privacy Notice and Children's Online Privacy Notice

Privacy Notice

This notice accurately summarizes our policies and practices regarding the collection, use, retention, and security of nonpublic personal information concerning those customers of ours who obtain a financial product or service from us that is to be used primarily for personal, family, or household purposes.

• We may 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.

• "Nonpublic personal information means any personally identifiable financial information about you that we may obtain in connection with providing a financial product or service to you. This information could include the following:
• Personal information, such as your name, address, social security number, assets, and income;
• Transactions with us, our affiliates, or others, such as your account balances, payment history, and parties to transactions; and
• Information we receive from a consumer reporting agency, such as your credit worthiness and credit history.

• We may disclose nonpublic personal information, as permitted by law, about you to affiliated parties, such as your account balances, payment history, and parties to transactions.
• We may disclose nonpublic information, as permitted by law, about you to nonaffiliated third parties, such as service providers that assist with the processing of your application and/or servicing of your account.
• We may disclose nonpublic personal information, as permitted by law, about you to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.
• If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

• We will not disclose nonpublic information we receive from a consumer reporting agency, such as your credit score, credit history, and other credit report information to affiliated parties.
• We will not disclose nonpublic information to affiliated parties for the purpose of the parties marketing their products and services to you.

We restrict access to your nonpublic personal information to those of our 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 guard your nonpublic personal information.

Children's Online Privacy Notice

This notice accurately summarizes our policies and practices regarding the Children's Online Privacy Protection Act (COPPA) and the Federal Trade Commission's implementing regulations of 16 C.F.R. Part 312 that establishes a number of requirements applicable to businesses that operate internet websites.

Please be aware that our website is not directed to children under the age of 13. We do not knowingly solicit data from persons under the age of 13 and we do not knowingly market to persons under the age of 13. By submitting an E-mail and any other correspondence, form, and etc. to the Bank's using the Bank's E-mail address or E-mail Contact Us address, as provided on this website, and any E-mail address of a Bank Employee or Bank Agent that you obtained by any means, you agree and acknowledge that you are not under the age of 13.