Privacy Policy

At Summit State Bank, the basis of each customer relationship is trust, so we do not sell customer information. We respect the privacy of our customers and are committed to treating customer information responsibly.

Recognition of Customer Expectation of Privacy:

At Summit State Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for Summit State Bank.

Benefits of Summit State Bank Management Practices:

We collect, retain, and use information about you only when we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes and we will tell you why we are collecting and retaining it upon your request. We use customer information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service.

We collect non-public personal information about you from the following sources:

Information we receive from you 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 personal information about you that is not available to the general public. For example, nonpublic personal information includes information about your deposit and loan account balances, transactional and overdraft history, and payment history. It also includes information such as your income, references, and other information you furnish when you apply for an account or loan with us, and information we might obtain about you from other sources, such as credit bureaus.

Maintaining Customer Privacy in Business Relationships with Third Parties:

We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law. We may disclose all of 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. When we do provide customer information to a third party, we will insist through a written agreement, that the third party adheres to privacy principles similar to those to which Summit State Bank adheres for keeping this information confidential.

Maintenance of Accurate Information:

We continually strive to maintain accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information, please notify us. We will investigate your concerns and correct any inaccuracies.

Limitations on Employee Access to Information:

We restrict access to non-public 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 non-public personal information.

Protection of Information via Established Security Procedures:

Summit State Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Restrictions on the Disclosure of Account Information:

It is Summit State Bank's policy not to reveal information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information or in the performance of bona fide corporate due diligence or business matters, unless:

The information is provided to help complete a transaction initiated by the customer;
The customer requests or authorizes it;
The disclosure is required by or allowed by law (e.g., subpoena, request by regulator, etc.);
The customer has been informed about the possibility of disclosure for marketing or similar purpose through a prior communication and given the opportunity to decline (i.e., "Opt Out");
The information is provided to a reputable Credit Bureau or similar information-reporting agency.

Website:

Our website does not automatically collect personally identifying information about its users. Our Web Server may collect generic information about you such as the pages you visit, the date and time of access, the actions that you tried to perform, and whether or not you were successful. Our Web Server may use "cookies" which is a small file stored on your computer to give you a unique ID. Cookies may be used to monitor your use of our Website, to deliver content specific to your interests, and for other identification purposes.

Children's Privacy:

rotecting the privacy of children is especially important to us and we do not knowingly solicit or collect personal information from children on our website.

Our Privacy Commitment to You:

At Summit State Bank, we value our relationship with you. We want you to understand how we use the information that you provide and our commitment to ensuring your personal privacy. If you have any questions about how Summit State Bank protects your confidential information, we invite you to contact Summit State Bank's Compliance Officer at (707) 568-6000.

Summit State Bank Reserves The Right To Change This Privacy Policy At Any Time.

Revised: September 2006.