PRIVACY STATEMENT

Information is the cornerstone of our ability to provide superior service, but our most important asset is our customers' trust in our bank. We are obligated to honor that relationship with great care; beginning with the information the customers have chosen to share with us. Keeping customer information secure and using it only as our customers would want us to, is top priority for our bank.

We believe we can do both through the privacy policy outlined below.

THE INFORMATION THAT WE COLLECT
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
• Information about your transactions with nonaffiliated third parties
• Information from a consumer-reporting agency

We collect, retain and utilize information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you.

INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those 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.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers, except as permitted by law.

Definition of terms:
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

The privacy policies and practices described in this statement apply to individuals, and we reserve the right to change them, along with related provisions, at any time.

If you have any questions that are not answered in this section, please email us.