Privacy Policy

Summary

Our clients are our most valuable assets. Our integrity as a high-end provider of personalized financial services depends on our ability to protect customers' identity and confidential information.

Unlike many of our big bank competitors we do not sell confidential data to unaffiliated third party vendors.

Our privacy policy is pretty simple. Here's a quick summary of what it says (for those of you who don't like all the long legal copy!):

• We comply with all federal and state laws related to privacy
• We will protect the confidential nature of our customers' financial records

To provide our customers with more financial choices we occasionally share name and address information internally with our affiliated operations.

And for those of you that like to read long legal copy, here's the "official" version of our privacy policy.

When information is collected

This bank respects the privacy of its customers and is committed to protecting their information on our Web site. Through our Web site, the bank strives to provide valuable information to existing customers or to those shopping for new bank services about its products and services, locations, and hours. We only collect non-identifying information about visitors to our Web site such as (1) date and time accessed, (2) what pages were visited, (3) what servers were used, and (4) the city of the visitor as identified by the server address. Web site visitors are invited to submit personal information by e-mail, by submitted applications, or by requests for information. This information is used as appropriate by employees of this bank to complete the request submitted through the Web site. This information is neither disseminated outside the bank nor sold to other organizations unless the bank is compelled to do so by law.

About "cookies"

To provide better service and a more effective Web site, we will use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our Web page server. This is used to determine whether you are a first-time visitor or a return visitor. You may prevent the placement of cookies by setting your Web browser to notify you before a cookie is to be placed. This will give you the opportunity to decline the cookie. You must accept the cookies however, when you enter areas where you need to register, such as Online Banking or where you are able to customize the information you see. This is necessary for site administration and security.

This bank does not reveal information about customer accounts to unaffiliated third parties unless it is done in the normal course of business to reputable reporting agencies or:

• The customer requests it;
• The information is provided to help complete a customer initiated transaction (loan application or wire transfer request;
• The disclosure is required by/or permissible by law (e.g. summons, subpoena, fraudulent activity, etc.)

This bank will not share or sell individual customer information to an unaffiliated third party for marketing purposes. However, the bank will offer other bank/financial products to its customers in an effort to fully provide for that customer's financial needs. It will also use customer information on file to design new products and services as well as improve current product offerings.

Protection of Information

We train and require our employees to protect the privacy of information about our customers regardless of the medium used to fulfill customer financial needs. In order to protect the privacy of our customers, we use appropriate security standards and procedures to control access to customer information. This was our policy before the arrival of electronic means of accessing information and it is the policy that is followed regarding all electronic customer transactions.

We reserve the right to change this policy at any time by posting a new privacy policy.