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PRIVACY
POLICY:
The Exchange
Bank has a long history of safeguarding our customers’ private
financial information. We are committed to upholding that
tradition. We want you to understand what information we collect
and how we use it. Our guidelines do protect the privacy of
our customers and also help to protect against fraud while
serving customer needs for new, better and less costly financial
products and services. The following serves as a standard
for all Exchange Bank employees for collection, use, retention,
and security of nonpublic personal information.
Categories
of Information We Collect:
We collect nonpublic
personal information* about you from the following sources:
- Information
we received from you on applications, financial statements
for other forms,
- Information
about your transactions with us or others, and
- Information
we received from a consumer-reporting agency.
Categories
of Information We May Disclose About You
We do not disclose
any nonpublic personal information about you to anyone, except
as permitted by law such as IRS inquiries or court order,
and only those persons or entities that you instruct us to
disclose information to.
If you decide
to close your account(s) or become an inactive customer, we
will adhere to the privacy policy and practices as services
in the notice.
Confidentiality
and Security
We restrict access
to your personal and account information 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 applies only to personal, family or household
purposes. This privacy policy does not apply to companies
or about individuals who obtain financial products or services
for business, commercial or agricultural purposes.
Definitions
We will use certain
terms in this notice that are defined as the following:
- We, our and
us. This will always mean the Exchange Bank.
- You and Your.
This means our customers with whom we have a continuing
relationship through one or more accounts, and also consumers
who may use a service we provide (such as an ATM) without
any real account relationship or someone who may have applied
for a loan but was declined.
- Nonpublic
personal information. Personally identifiable financial
information that is not available from public sources.
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