PRIVACY POLICY NOTICE

want you to understand what information we collect and how we use it. In order to

provide our customers with a broad range of financial products and services as effectively

and conveniently as possible, we use technology to manage and maintain customer

information. The following policy serves as a standard for all Bank employees for

collection, use, retention, and security of nonpublic personal information.

We may collect “nonpublic personal information” about you from the following sources;

• Information we receive from you on applications or other loan and account forms;

• Information about your transactions with us or others and;

“Nonpublic personal information” is nonpublic information about you that we obtain in

connection with providing a financial product or service for you. For example, nonpublic

personal information includes information regarding your account balance, payment

history and overdraft history.

It is the policy of this Bank not to disclose your nonpublic personal information to any

person or entity except as expressly permitted by law. We will not disclose this

information about you to any nonaffiliated third parties without your consent. We will

not disclose this information about you even if you are not longer a customer of the Bank.

If the Bank ever decides that it needs to disclose nonpublic personal information about its

customers to any entity that is not an affiliate of the Bank, you will be given an

opportunity to “opt out” of that disclosure. This means that you can decide whether the

Bank may disclose this information about you.

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.

Privacy Policy: revised 20070611

Under the law, an entity is an “affiliate” of a bank for privacy law purposes if that entity

either (i) controls the bank, (ii) is controlled by the bank; or (iii) the bank and the entity

are under common control by another company. A bank may share your nonpublic

personal information with an affiliated company, such as its bank holding company or a

mortgage company or finance company subsidiary of the bank, for example. At this

time, the Bank does not have any affiliates, but if in the future, the Bank does form a

holding company or a subsidiary of the Bank, we would be able to share your nonpublic

personal information with those entities.

A nonaffiliated third party is a company that is not an affiliate of the Bank. For example,

a title company that is not related to the Bank by common control would be a

nonaffiliated third party.

There may be times when it is in your best interest for the Bank to disclose certain

information about you and your transactions to nonaffiliated third parties. For example,

you may be applying for a loan and want the Bank to provide information to a credit

bureau or a title agency. In those cases, you will be asked to consent to the disclosure.

Before the Bank may disclose the information, the Bank will give you notice that this

information may be disclosed and you will be given an opportunity to direct us not to

disclose the information.

If you have any questions about your right to financial privacy, please contact any Bank

officer.