We may collect the following categories of personally identifiable information when you use our website or online services:

• Information we receive from you on applications or other forms (such as your name, address, Social Security number, assets and income)
• Information about your online transactions with us, as well as information about our online communications with you. Examples include your online bill payments and your activity on the website, such as collecting information on product information reviewed.
• Information which may include: payment card expiration date, payment card identification or verification numbers, mobile device location, and other information that we can use to contact you, verify your identity, provide the functionality available through use of the services and Apps, and manage risks, such as information maintained about you by identity verification services and consumer reporting agencies, including credit bureaus, and payment and other transaction information, and history for payments and other transactions in which you participate through the use of online services.
• Information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions).

Visitors to our website remain anonymous, unless they register for a service or otherwise elect to disclose their identity to us (in which case we may collect the categories of personally identifiable information discussed above in the section entitled “Information We Collect”). Although we do not collect personally identifying information about persons who simply visit our site, we do collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the Internet). We also may place "cookies" on a computer to track a visitor's use of our website. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our site and make its navigation easier for you. We sometimes use cookies to help estimate the number of visitors to our site and to determine which areas are the most popular. Unless you register with us for a service (such as our Online Banking service), the cookie does not provide us with any personally identifying information about you, such as your name or address.

You may have the ability to activate web browser tracking settings or other mechanisms that give you the option to control the collection of personally identifiable information about your online activities over time and across third-party websites or online services. Our response to these settings and mechanisms will depend on the setting and mechanism and the impact on our collection and tracking practices. At this time, our website only tracks your activities while on our website and, unless you register with us for a service, we do not collect any personally identifiable information about you. The tracking is facilitated using 'cookies' that we place on your computer. If you choose not to accept cookies or remove locally stored cookies, we will not track your activity on our website; however, some features and services on our website may not be available to you. For more information regarding cookies, refer to 'Visitors to Our Website' in this policy.

When you use our website or online services, third parties acting on our behalf may collect the personally identifiable information and website activity identified above. This may include the personally identifiable information collected when you register with us for a service. Depending on the third-party websites you visit, as well as any preferences and authorizations you have provided to others, your activity on our website and across other websites, including personally identifiable information, may be tracked and collected by us and by third parties. Whenever you access third party sites (including search engine sites and sites linked via search engine sites) or provide them with information, these third parties may track your activity across the Internet, collect and share your personally identifiable information with third parties, all subject to the third party's privacy and security practices. For further details, refer to 'Links to Other Websites' in this policy.

We do not disclose personally identifiable information about our customers to non-affiliated third parties, except as permitted by law. You do not have to take any action or instruct us to keep your information confidential. We will protect your privacy automatically. If you end your relationship with the Bank, we will continue to adhere to the information policies and practices described in this policy.

There are instances when information about you may be provided to others. For example, we are permitted by law to share information:

• Within the Bank in order to service your accounts or to market other products or services we may offer.
• With non-financial companies that perform services on our behalf, such as check printers, data processing companies, companies that prepare or mail account statements, or companies that perform marketing services on our behalf.
• With credit bureaus about loans we make, whether or not they are handled properly, and about deposit accounts that are not handled properly.
• In order to comply with a number of laws and regulations we are required to furnish various reports to federal, state, and/or local government officials regarding certain transactions or accounts.
• To comply with subpoenas and other legal processes that require us to provide information about your accounts or other business with the Bank.
• If we suspect that a crime involving you or your loan or deposit account may have been committed.
• With our regulatory agencies and agents of the Bank or its affiliated companies, such as our independent auditors, consultants or attorneys, all of who will be bound to protect the information as we do.
• With others that you, or any other person with signing authority over your account, have given us oral or written permission to do so.

We have procedures in place that help us to maintain the accuracy of the personally identifiable information that we collect. Please come in to talk to a staff member or, contact us at the address set forth below if you believe that our information about you is incomplete, out-of-date, or incorrect. If you are an online banking customer, sign-on to Online Banking to review and correct information about yourself, such as a change in your address or email address.

California residents may request to be informed of the categories of information that we have collected on them within the last 12 months. Please refer to our California Consumer Privacy Act Policy for information on how to submit a request.

Our website may feature links to third party websites that offer goods, services or information. Some of these sites may appear as windows-within-windows at this site. When you click on one of these links, you will be leaving our site and will no longer be subject to this policy with respect to any personally identifiable information collected on that third party site. If you provide third parties with information, their use of that information will be subject to their privacy policy, if any, and will not be subject to this policy. If you accept third party goods or services advertised at our website, the third party may be able to identify that you have a relationship with us (e.g., if the offer was only made through our site). We are not responsible for the information collection practices of the other websites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy. For further details, refer to 'Third Parties' in this policy.

We feel strongly about protecting the privacy of children and teenagers. As such, we do not have actual knowledge that we collect personally identifiable information from individuals under the age of thirteen (13) through our website and we request that these individuals do not provide personally identifiable information through this website.

We may add to, delete from, or otherwise change the terms of this Online Privacy Policy from time to time by posting a notice of the change (or an amended Online Privacy Policy) at this website. If required by law, we will send you a notice of the change. Your continued use of our website or any on-line service following notification will constitute your agreement to the revised Policy.

If you have any questions or concerns about the integrity of your account information, or any other aspect of our business operations, please do not hesitate to come in to talk to our staff. You may also write to: