• Information we receive from you on applications or other forms;
• Information about your transactions with us;
• Information about your transactions with third parties; and
• Information we receive from a consumer reporting agency.

How We Use Your Information

When we do use your information, it is to better serve you.  Simply stated, by knowing more about you, we can provide specialized products and services that may be of interest to you.  Also, we can protect you from identity theft, fraud, and unauthorized access to personal information about you.  In addition, we collect information about you to comply with certain laws and regulations.

We do not disclose any nonpublic personal information about our existing customers or former customers to third parties, except as permitted by law or as stated in the paragraph below.

Information We May Share When We Work With Third Parties

To meet your needs with quality products and services, we may disclose the following information to companies that perform marketing services on our behalf:

• Information we receive from you on applications or other forms such as name, address, social security number, assets and income;
• Information about your transactions with us, such as account balances, account activity, types of accounts, ATM/Debit card usage, payment history, and parties to the transactions; and
• Information we receive from a credit reporting agency, such as your creditworthiness and credit history.

Federal law allows us to disclose the information listed above with companies that perform marketing services on our behalf.  You do not have the right to opt out of the disclosure of this information.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information;

• Service providers that assist us in servicing your accounts, such as to print checks, mail account statements, or provide support or services; and
• Service providers, such as direct marketing firms, to assist us in our own marketing efforts. 

We do not provide nonpublic, personal information to third parties for the purpose of their own independent telemarketing or direct mail marketing of any non-Bank products or services.

They are also not permitted to release, use for their own purpose, or sell any customer information we share with them to any other party.  Most importantly, these companies act on behalf of the Bank and are contracted to keep the information we provide to them confidential.

Web Site

When you visit our web site, we will collect information for statistical purposes only.  The information will not be used to identify individuals, nor will it be shared with third parties.  The following information is collected and stored:

• Your IP address
• Access date and time
• Browser type
• PC operating system platform
• URL refer site
• Date/time stamp for all activity
• Web pages visited

Internet Banking

When you utilize our Internet Banking Service, specific information is gathered for the purpose of authenticating the user, and to analyze performance to ensure successful transmissions of your requests.  The following information is collected and stored:

• User name
• Password
• Failed log-on attempts
• Return codes
• Size of message element

The Confidentiality, Security and Integrity of Your Nonpublic Personal Information

We restrict access to nonpublic personal information to those employees and service providers who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that are designed to comply with federal standards to guard your nonpublic personal information.