POLICY ON CONFIDENTIALITY

 Our Privacy Disclosure Policy:

We have never shared nonpublic personal information except as required by law and we will continue to protect your privacy.

 Categories of Information That We May Collect:

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms; and information about your transactions with us, or others; and information we receive from a consumer reporting agency.

 Categories of Information That We Disclose:

We do not disclose any nonpublic personal information about you our customer to anyone, except as required by law.  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.

 Disclosure as Permitted by Law:

We may disclose all of the information we collect, as described above to service providers and companies that perform marketing services on our behalf.

 Confidentiality and Security:

We restrict access to nonpublic personal inofmation 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.

 PRIVACY IS PRIVACY

When you provide confidential information to us we respect your right to expect this information to be used for the purpose you intended.

 We respect your right to confidentiality and take every possible measure to ensure that your personal information remains personal.

 Your business is important to us and we expect to be your bank for many years to come.  If you ever have any questions or concerns about how we are using your confidential nonpublic personal information please contact or come into the bank to talk with any member of our staff or bank officer.

The privacy notice contained on this page is being issued to comply with the provisions of the Gramm-Leach-Bliley Act governing the privacy of consumer financial information.