Privacy Notice

Protecting your privacy is important to Centier Bank and our associates. We want you to understand what information we collect and how we use it. In order to provide our clients with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain client information. The following policy serves as a standard for all Centier Bank associates for collection, use, retention and security of non-public personal information.

We Collect Nonpublic Personal Information About You From The Following Sources
We may collect "non-public personal information" about you from applications or other loan and account forms; from information about your transactions with others or us, or as received from third parties such as credit bureaus.

"Non-public personal information" includes information regarding your account balance, payment history, and overdraft history.

We may also request further information from you to verify your identification (ID) when required by federal law.

What Information We Disclose
We do not disclose any non-public information about you to anyone, except as permitted by law.

We are permitted under law to disclose non-public personal information about you to other third parties in certain circumstances, such as when servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus.

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

If you decide to close your account(s) or become an inactive client, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures
We also take steps to safeguard client information. We restrict access to your personal and account information to those associates who need to know that information to provide products or services to you. Associates who violate these standards will be subject to disciplinary measures. We maintain physical,
electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

Children's Online Privacy
We respect the privacy of your children and we comply with the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from children under the age of thirteen.

Hyperlinks to Other Sites
The privacy practices of linked web sites are not covered by Centier Bank's privacy policy and we are not responsible for the privacy practices, data collection, security or content of other web sites. You should always look for and review a site's privacy policy before giving out any personal information.

Disclosing Our Privacy Commitment To You
If you have any questions about how Centier Bank protects your confidential information, please call your local branch or call the Client Service Center at 1-888-236-8437 or 219-756-2265.

(Revised 5/09)

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