The Bank of Spring Valley knows how important it is to protect the confidentiality of the information our customers and web site visitors provide us. We have described below our policies to protect your online privacy. In addition, The Bank of Spring Valley maintains the highest level of security standards and procedures regarding unauthorized access to customer information. If you have any questions or concerns after reading the information below, please contact us and we'll be happy to explain further. We acknowledge that we collect, retain, and use information about our customers where we deem useful and as permitted by law to further improve our services to our customers. Information about our customers, for example, assists our staff in developing or enhancing products and services and, thereafter, offering them to our customers. General The Bank of Spring Valley has established security standards and procedures to guard and protect customer information against unauthorized access. These controls and procedures are periodically reviewed and tested to ensure that these practices or processes serve our primary mission to protect confidential information. Further, management and staff are able to access personal confidential customer information only if and when they have a business reason to know. Each employee has been made aware of his or her responsibilities to safeguard your personal information. When is information collected about my online activity? Visitors to our web site remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as: Date and time our site was accessed IP address (a numeric address given to servers connected to the Internet) Web browser used City, state, and country The Bank of Spring Valley uses this information to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via e-mail, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our web site may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before. Do you sell online information to others outside of The Bank of Spring Valley? No, The Bank of Spring Valley does not sell online consumer information to a third party for the purpose of solicitation nor do we provide such information to a third party for its own, independent use. We may, however, on certain occasions, share information with third parties that have provided an appropriate reason to request such information. The third party receiving such information must adhere to The Bank of Spring Valley's policies that cover such information regarding confidentiality. Information disclosures to an independent third party regarding personal, confidential information or other personally identifiable data for that entity specific use is not allowed except where the exchange occurs with a reputable information reporting agency. Information exchanges with reporting agencies are deemed important to maximize the accuracy and detail of information reported. What are the restrictions on the disclosure of account information? The Bank of Spring Valley will not reveal specific information about your accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless: The information is provided to help complete a transaction initiated by you (i.e. you request it). In accordance with a request from you, data is provided to help complete a customer-approved transaction. The disclosure is required by/or allowed by law (e.g. subpoena, investigation of fraudulent activity, etc.). You have been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and you are given the opportunity to decline (i.e. "opt out"). What are The Bank of Spring Valley's Data Protection Principles? The Bank of Spring Valley has adopted specific personal data protection principles, which shape our institution's handling of personal information. We place a high priority on the confidentiality of customer information. It is our intent to protect information provided by you as our customer. The following is our Statement of Data Protection Principles: If we collect information about you from someone else, we will make sure you know we have done so, as soon as and wherever possible. We will only collect information necessary for performing bank business on your behalf. When and where practical, we will collect personal information directly from you. We will only use or disclose information about you that is consistent with your directions and expectations, or is in the public interest (general banking, loan, or account relationships and your performance per agreed-upon terms and conditions). To the best of our capabilities, we will ensure that information about you is accurate when we collect or use it. We will keep such information secure. Whenever possible, we will provide you with opportunities to see the personal information we hold on you. Furthermore, we will explain what we do with it and correct it if it is wrong.