Private Policy

OUR PRIVACY COMMITMENT TO YOU

We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personnel information and it is our policy to maintain our customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as personal information of all consumers who visit our institution, (ART) our Automated Response Teller and website.

INFORMATION WE COLLECT ABOUT YOU
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, our affiliates or others,
- Information we receive from a consumer-reporting agency.

NO DISCLOSURES OUTSIDE OF EXCEPTIONS
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

CONFIDENTIALITY AND SECURITY
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.

To assist you further, we would like to offer you two more options to reduce unwanted marketing mail or calls to your home.

Submitting your name, address and phone number to the Direct Marketing Association (DMA) national ''Do Not Call"- or "Do Not MAIL" lists. You can also remove your name, address and phone number from the credit bureau screening lists by calling the toll-free "opt-out" number 1-888-567-8688. By calling this number your information will be removed from the screening lists used by various credit agencies. This call will cover the major credit bureaus - Equifax, Trans Union, Experian and Novus.

Copyright 1995-2001, Compliant Systems Inc. Wed June 04 11|58|49 20033