the Apple Creek Banking Co.

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Security and Privacy Statement

Our Commitment to Privacy
Your privacy is important to us. We respect your financial privacy and comply with laws and regulations designed to secure that privacy. Your relationship with us is important, and we want you to understand our policies and practices about handling information.

We do not sell or provide lists to any third party that is not directly involved with providing you the financial products and services that you have requested. We will not disclose any nonpublic, personal information about you to any unaffiliated party that is not used to provide better service.

Information Collected
We routinely collect and/or retain information that includes the following: (1) name, address, telephone number, social security number, annual income, current and past employers; (2) answers to questions on deposit and loan applications; and (3) deposit and loan balances, account numbers, overdraft history and payment history with us. We collect information from consumer reporting agencies regarding credit and checking account histories. In order to better serve you, we also may retain information about the types of products and services you purchase from us to learn about your financial needs and interests. We may share this information with others to the extent permitted by law and in accordance with our information sharing policies and practices listed below.

Safeguarding Your Information
Information that we have about you is available to our employees and agents on a “need to know” basis so they can do their jobs. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy. We do not provide information about you to anyone without first verifying who they are and whether they may have legal access to the information. We train our employees to protect information we have about you. We also have a disaster preparedness program to secure this information in case of natural disasters, hazards or threats. Our security and confidentiality procedures are routinely tested to make certain they work.

Account Numbers/Access Codes
We will not disclose your ATM or Debit Card number, deposit account or transaction account to a non-affiliated third party in order for them to sell you products or services. We do not authorize anyone access to your personal identification numbers with the exception of the proper service providers. We may give your account number to a consumer reporting agency because we are permitted and required by law.

Information Sharing – Affiliates/Subsidiaries
We do not share any information with any affiliates or subsidiaries to offer you additional products and services.

Information Sharing – Agent Nonaffiliated Companies
We may share information about you with certain nonaffiliated companies that are our agents. We do this to provide convenient access to products or services, or because these companies enable us to perform the necessary business functions or services. This sharing is permitted by law. Such agents are required to keep confidential any information about you that we give them. An example of an agent relationship would be check printers, telephone response provider, and data processing system support.

Information Sharing – Non-Agent, Nonaffiliated Companies/Persons
We do not share any information about you with a non-agent, nonaffiliated company or person.

Ending Customer Relationship
When you end your customer relationship with us, or when we end our customer relationship with you, we will treat the information we have about you as if you were still our customer.