ONLINE BANKING

We call all of this information "Customer Information"

HOW WE USE INFORMATION TO YOUR BENEFIT

We use Customer Information to provide you with superior service and value. It can reduce the amount of unwanted mail you receive because we send you only information that may truly interest you. It also allows you to get help with a variety of products through our customer service people. And, possibly most important, because we become familiar with you preferred ways of doing business, it may help us detect fraud being committed against you.

PROTECTING YOUR INFORMATION

Our employees have limited access to customer information. They have access only when it will help you do business with us or help us do business with you. We maintain physical, electronic, and procedural safeguards that comply with federal regulation to guard Customer Information.

RESTRICTIONS ON SHARING INFORMATION WITH OUTSIDE COMPANIES

We do not sell Customer Information to outside companies to use for their own marketing purposes. Outside organizations that provide services (such as check printing and statement printing or mailing) or help us provide you with products or services you request may receive Customer Information to help us provide you with these products and services. We may also provide Customer Information to companies that perform marketing services for us or to financial institutions with which we have joint marketing agreements. These companies help us provide you with services and they are obligated to keep Customer Information confidential. We also share Customer Information with others when it is required or permitted by law, such as to credit bureaus or to comply with subpoenas and summonses.

INFORMATION SHARED WITH AFFILIATES

Integrity Bank & Trust currently does not have any affiliates. If in the future we were to establish an affiliate, you would be contacted by us and given the opportunity not to share application and credit with the affiliate. Please remember that if you ask that we not share Customer Information in this way, you may not receive information about other products that may be of interest to you.

If you have a joint account with someone else, we will treat a request not to share credit or application information by one account holder as applying only to that account holder unless the customer notifies us that he or she is acting on behalf of the other account holders.

KEEPING YOU UP TO DATE

We will provide you with a privacy notice each year as long as you have a relationship with us. If we make material changes to our notice, we'll let you know. We will also put our updated privacy notice on our Web site, http://www.integritybankandtrust.com/privacy.htm

IF YOU SUSPECT IDENTITY THEFT

If you are concerned that someone has unauthorized access to your personal information, please call us immediately, so we can take steps to help protect you. You should also consider reporting your concerns to:

• Your local law enforcement officials
• The Federal Trade Commission identity hotline at (877) ID-THEFT
• Your credit card companies. Remember, knowing where to find your credit information and toll-free contact numbers will help in an emergency.
• National credit reporting organizations that can place a fraud alert on your name and Social Security Number:
  • Equifax 800-525-6285
  • Experian 800-397-3742
  • Trans Union 800-680-7289

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