The following privacy policy explains how we use and protect the information about our customers.

We ask that you read it carefully.

Notice of Your Financial Privacy Rights

We, our, and us, when used in this notice, mean the Bank.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

● All of our consumer customers who have a continuing relationship with us, such as:
Deposit account
Loan account
Safe deposit box
Retail installment contract we hold and service
All IRA accounts for which we act as custodian

We will tell you the sources for nonpublic personal information we collect on our customers.

We will tell you what measures we take to secure that information.

We first define some terms:


Nonpublic personal information

It 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

A company we own or control or 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

A company that is not an affiliate of ours.

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 or others
● Information about your transactions with nonaffiliated third parties
● Information from a consumer reporting agency

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 permitted by law.