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Privacy Policy

Protecting Your Privacy - A Service You Can Count On

Privacy. As individuals we all value it and want to protect our own.

Privacy. We all consider it a right. Yet there is no single source of privacy rights, or one source of privacy law or regulation, in the United States.

Privacy. Information is the key to providing you with the service you expect. When you provide us with personal information we know you also give us your trust:

• Trust that we will safeguard your privacy rights.
• Trust that we know how to respect those rights while utilizing this information for your financial well being.
• Trust that is the cornerstone of our business.

We want to thank you for your trust and assure you it is well-founded.

Our Privacy Commitment:

We start with this promise:

1. We collect, retain and use information about individual customers only where we reasonably believe such practices will be useful and allowed by law. We believe such practices are useful if they assist in administering our business, serving your needs and protecting your assets.
2. We have established procedures to assure that information you provide is accurate, current and complete in accordance with reasonable commercial standards. Part of this process includes responding to your requests to correct inaccurate information in a timely manner.
3. We limit employee access to personally identifiable information to those with a business reason for knowing such information.
4. We educate our employees so that they will understand the importance of confidentiality and customer privacy. This includes taking appropiate disciplinary measures to enforce employee privacy responsibilities.
5. We maintain appropiate security standards and procedures regarding unauthorized access to customer information. This includes maintaining physical, electronic and procedural safeguards to guard your nonpublic personal information.
6. If personably identifiable customer information is provided to a third party, we insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.
7. We believe communication with you is important too. Therefore, we have put in place methods of providing you with an understanding of our privacy policies. For your own sake, we encourage you to be concerned about financial privacy, how we help you achieve it, and how you can safeguard it. This is one of the reasons why we are posting this information now. Please do read on and contact us with any questions or additional concerns you may have.

Implementing Our Privacy Commitment

In General
We do not reveal specific information about your accounts or other nonpublic personal information to nonaffiliated third parties (organizations not owned by our parent company) for their independent use, with some major exceptions described further on this page.

Products and Services Covered
This notice applies to nonpublic personal information we obtain about you related to our deposit and loan products - for example, when you open an account or apply for a loan. It also covers nonpublic personal information we obtain through providing other services, such as safe deposit.

Information We Obtain About You

We 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.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

Information We Are Permitted To Share About You

We are always permitted by law to share specific information about your accounts or other nonpublic personal information about you under the following circumstances:

1. To exchange information with reputable consumer credit reporting agencies
2. To maintain our overall standards of performing in a prudent manner
3. To help complete a transaction initiated by you
4. When you request us to disclose such information to a third party
5. The information is required and allowed to be provided by law, including judicial process.

We also may share all of the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

A nonexhaustive listing of information we might share under the situations described includes:

Information we receive from you:

• Address
• Phone Number
• Social Security Number

Information we receive from other parties:

• Assets and/or income
• Account Balance
• Payment History
• Parties to transactions
• Credit Card Usage

Information we receive from consumer reporting agencies:

• Credit Record
• Credit History

Who We Do Not Share Information With

As a matter of both policy and routine operating procedure, we do not share or disclose nonpublic personal information about our customers or former customers with any nonaffiliated third party, except as permitted by law or at your direction. We believe this is the best way to assure protection of your financial privacy.

In Other Words...

Your right to "Opt Out" Is Automatic With Us.

Consumers always have the right to direct that a financial institution such as ours not disclose nonpublic personal information about you to nonaffiliated third parties (other than disclosures permitted or required by law.) However, we take this opportunity in explaining our policy to emphasize that there is no need for you to make such an election. Once again, we will not share nonpublic personal information about you with any nonaffiliated third party, unless you specifically direct us to, or unless permitted or required by law.

The information contained in this notice is intended to be accurate, reliable and comply with appropiate law and regulation. It is not intended to be legal or financial advice. For such advice, please contact the appropiate professional.  

Website Policies and Practices

No personally identifiable information is collected by this website.

Nonidentifiable information such as your browser type, operating system, and Internet connection type may be collected for statistical purposes only. This information is not personally identifiable to you.

Cookies are not used on this website.

We are not responsible for the privacy policies or practices of any websites which may be linked to. You should check any such sites for their privacy policies.