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

What Information We Collect

We may collect non-public personal information about you from the following sources:

• Information we receive from you on loan applications and account forms.
• Information about your transactions with us or others.
• Information we receive from credit bureaus and other consumer reporting agencies.
  

“Non-public personal information” is information about you that we obtain in connection with providing a certain product or service to you.  For example, non-public personal information includes any information regarding loan or account balance, payment history, and overdraft history.

We DO NOT sell our customer information lists to nonaffiliated third parties for marketing, solicitation or similar purposes.

What Information We Disclose

We DO NOT disclose any non-public personal information about our customers to anyone, except as permitted by law.  We DO NOT disclose any non-public personal information about you to any nonaffiliated third party.  We also DO NOT disclose any non-public personal information about inactive or former customers 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.  For example, we may disclose this information to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas and to credit bureaus.

Confidentiality and Security Procedures

We take many steps to safeguard your personal information whether you are a current or former customer.  We restrict access to your personal account information to those employees who need to know that information in order to better provide products and services to you.  Any employee violating these standards is reminded that it is against the law to disclose such information for any purpose other than for which it was originally provided, and 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.

Having a trusting relationship with our customers has always been of utmost importance to Elderton State Bank.  We are committed to protecting your personal information with great care and safety in order to continue the trust and integrity that keeps us a true “Hometown Community Bank” devoted to you.

Other Important Information

If you decide to close your account(s) or become an inactive customer of Elderton State Bank, we will follow the privacy policies and practices as described in our Privacy Policy until your non-public personal information has been purged from our files.

We may contract with other entities to perform specific support services such as, but not limited to, data processing, that may require us to provide them access to our customer information.  When doing so, we require such third party service providers to contractually agree to adhere to our security and privacy guidelines.

These privacy disclosures do not create a contract.  From time to time, we may amend or change the terms of this policy.  In that event, we will provide you with a revised privacy policy notice and opportunity to exercise your opt out rights.