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Information Collected

This Institution collects the following categories of non-public personal information about our consumer customers:  information received from you on applications and other forms, information about transactions (such as information about a deposit, loan or credit card account), and consumer reports.

Confidentiality and Security of Non-public Personal Information

This Institution maintains the following policies and practices designed to protect the confidentiality and security of consumers' non-public personal information:  Ensuring your financial privacy is of vital importance to us.  We limit employee access to confidential customer financial information to those employees with a business reason for knowing such information.  Our employees are trained to understand the importance of customer financial privacy and to properly handle confidential information.  It is our policy that customer information is not to be provided to anyone over the telephone unless the prescribed proper identification has been procured from the person requesting information.  Proper Identification may include the person's account number, name, check number, social security number, date and amount of last deposit.  Management reserves the right to increase the amount of proper identification for security reasons.  This Institution endeavors to maintain the most accurate and up-to-date customer records possible.  If you find that your account information is not correct, current, or complete, please call, or write to us at the telephone number or address on your account statement and appropriate corrections will be made as soon as possible.  If you feel we have not met our obligations in the protection or use of your personal information, you may submit a complaint to us.  Any complaint will be handled in compliance with the Institution's Consumer Complaints Policy.  Breaches of customer privacy are considered serious employee misconduct and may result in termination of the employee.

Disclosures to Affiliates or Nonaffiliated Third Parties

This Institution does not disclose, and does not intend to disclose, non-public personal information about our customers or former customers to affiliates or nonaffiliated third parties, except as permitted or required by law.

Those exceptions relate to disclosures which are made (1) in connection with the administration, processing, servicing, and sale of a consumer's account, (2) with the consent or at the direction of the consumer, (3) to protect the confidentiality or security of the institution's records, (4) to protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability, or (5) made to law enforcement agencies to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978.