Privacy Statement

Our Privacy Commitment to You

We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customer’s information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information, as well as personal information of all consumers who visit our institution and web site. This privacy notice is provided to you as required by the Gramm-Leach-Bliley Act of 1999.

Making The Security Of Information A Priority

Keeping financial information secure is one of our most important responsibilities. We value your trust and handle information about you with care. We maintain physical, electronic and procedural safeguards that comply with federal standards to protect customer information. We limit access to customer information to those employees who need to know that information to provide products and services to you or to maintain or service those products or services. Our employees are bound by a code of ethics requiring confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.

How We Gather Information

As part of providing you with financial products or services, we may obtain and store information about you from the following sources:

Applications, forms and other information that you provide to us, whether in writing, in person, by telephone, electronically or by other means. This information may include your name, address, employment information, income and debt.

Information about your transactions and account experience with us, our financial family or others. This information may include your account balances, account activity, credit card usage, payment history, deposit history and parties to transactions.

Information from a consumer reporting agency regarding your creditworthiness or credit history.

Information from other outside sources regarding verification of representations made by you, such as your employment history, loan or credit card balances, or your property insurance coverage.

Usage of our web site and online banking services. This information may include information that you provide directly through online communications such as an e-mail address, the name of the domain from which you access the Internet, the date and time you access our site, and the Internet address of the web site from which you linked to us.

Sharing Information Within Our Financial Family

In our continuing effort to provide you with superior service and offer you financial products we think you would find useful, we will share customer information within the Cashmere Valley Bank financial family, including our bank, mortgage department, insurance company and investment group. In doing so, we are able to offer you a complete financial package, with the best accounts and products for all your business and personal needs.

Under the law, Cashmere Valley Bank is permitted to share customer information within our financial family. This information is limited to our transactions or account experiences with you. As a result of sharing within the Cashmere Valley Bank family, you may receive combined account statements, easier access to certain account features, new or enhanced products, special promotional offers, and certain discounts you may otherwise not have known about or been eligible to receive.

Sharing Information With Companies That Work For Us

We may share customer information with companies that work for us to provide you products and services that you’ve requested or already have with us. We share the information needed to provide those products and services and to support your relationship with Cashmere Valley Bank. These companies may include financial service providers such as insurance companies and payment processing companies, and non-financial companies such as check printing and data processing companies. These companies might assist us, for example, in fulfilling your service request or processing your transaction. In addition, we may share customer information with other financial institutions with whom we have joint marketing agreements. The information disclosed may include the categories of information described above under “How We Gather Information” limited to only that which we deem appropriate to carry out their functions. All of these companies act on our behalf, are contractually obligated to keep the information that we provide to them confidential, and use the information only to provide the services we’ve asked them to perform for you and us.

Disclosing Information In Other Situations

We may disclose customer information to reputable credit reporting agencies and similar organizations, and otherwise when permitted by law. For example, this may include a disclosure in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds of trust and mortgages in public records, an audit or examination, or the sale of your loan to another financial institution.

We do not provide account or personal information to outside companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Making Sure Information is Accurate

Keeping your account information accurate and up to date is very important. We provide you with access to your account information through various means such as account statements, telephone banking and online banking. If you ever find that your account information is incomplete, inaccurate or in need of updating, please contact us at the telephone number on your account statement, write to us, or stop in at your local branch office and we’ll update your information.

Our Former Customers

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

If you have questions regarding our Privacy Policy, please contact us.