Peoples Bank & Trust Online Banking Privacy Policy

While information is the cornerstone of our ability to provide superior service, our customers’ trust is our most valued asset. That is why protecting your privacy is important to Peoples Bank and Trust. Keeping customer information secure and using it only as our customers would want us to is our top priority. At the same time, we want to offer you the array of products and services you need to accomplish your financial goals. We want you to understand what information we collect and how we use it. We believe the following policy outlines our commitment to provide both privacy and the best products and services available.

Information We Collect

We may collect “nonpublic personal information” about customers or former customers from the following sources:

• Information we receive from current customers or former customers on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency

“Nonpublic personal information” is nonpublic information about current customers or former customers that we obtain in connection with providing a financial product or service to current customers or former customers. This could include information such as your name, address, account balances, payment history, or overdraft history.

Information We Disclose

We do not disclose nonpublic information about current customers or former customers to nonaffiliated third parties except as permitted by law.

For example we may provide information:

• As necessary to effect, administer or enforce a transaction requested or authorized by current customers or former customers, or in connection with servicing, processing, or marketing a financial product or service to you;
• To comply with federal, state, or local laws, and other legal requirements; and
• To consumer reporting agencies as permitted under the Fair Credit Reporting Act.

Peoples Bank and Trust does not sell customer information. We share information, as described above, only when required by the government or when it is necessary to better serve you, our valued customer.

We may disclose the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Our Security Procedures

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.